£50 Benefit for ALL bills including Rent

Bogof_Babe

Sleepy wrote: »

She gets around £250 from my Dad's pension, I send around another £250 each month, but she is still going to be short around £400 each month.

I am confused now. Doesn't your £250 contribution per month cover the "notional income" that she would have earned had she still got the money she loaned you?

MRSTITTLEMOUSE

I was reading through this thread and it strikes me as being very unfair.
This woman has paid out to buy a house and is now being penalised,whether she has the money or not her benefit would be reduced.
It just seems unfair that those who have not saved,bought property ect. are not treated in the same way as individuals who have not done so.
Do I take it that if a person makes preparation for retirement they will not be treated in the same way as someone who has'nt.
If that's the case then it seems unwise to have a retirement pension plan or savings at all.

McKneff

sleepy, i think i would amend your posts about the ciggies, it wont help
you were a bit silly putting it in really.
Tell her to try rollies if she cant give up,

Sleepy_2

dmg24 wrote: »

We are not getting the whole story here.

What other money did she have from her house sale in 2006? Why did she sell the house?

Exactly which benefit is she receiving at present?

What money was she living off up to now?

The DWP are unlikely to pretend this amount never existed if you go bankrupt, because the fact is she still lent you the money and hence deprived herself of income. The expectation of getting the money back or not is irrelevant.

Claiming that she was not mentally capable of lending you the money is dodgy ground to go down. Firstly, it would have to be proven that she was near enough insane at the time (unlikely if she is still able to live alone, has not spent time in hospital etc). Second, there is the possibility of criminal liability on your part.

I feel that I'm bareing my soul for everyone on here. But I''ll try and answer all to the best of my ability.

She left with approx £40,000 after the sale of the House after she lent me the £42,000.

The House was sold as my Mum could not cope looking after my Dad who suffers from chronic Heart Problems. My Dad didnt feel that he could leave the house, my Mum felt that her life was passing her by and felt that even though they had been married for over 30 years, she had to go and live her own life.

My Mum & Dad still talk to each other. Neither party says that there will ever be anyone else in their lives again.

My Mum receives £2 per pension in her own right (she turned 60 in August 2008) and £48.05 Pension Credit. I dont think that she gets anything else.

She is living off the money £40,000 from the sale of the house in 2006.

Sleepy_2

anniehanlon wrote: »

sleepy, i think i would amend your posts about the ciggies, it wont help
you were a bit silly putting it in really.
Tell her to try rollies if she cant give up,

I know. I'm just being honest. She smokes the cheapest cigarettes constantly. My Dad has bought her one of those Electric Cigarettes to try.

Sleepy_2

Bogof_Babe wrote: »

I am confused now. Doesn't your £250 contribution per month cover the "notional income" that she would have earned had she still got the money she loaned you?

Yes, it does exceed the Notional Income, though I'm not sure what you mean by this.

The £250 is not guaranteed, it depends on Overtime, work availability, etc. Sometimes its more, often its less.

Caz3121

The problem will be with any means tested benefits such as housing benefit which are affected with any savings over £6k and are not paid at all if savings over £16k.
Not sure how much of the £40k left but it will probably be assumed that she also has the £37k also so this will affect what she can qualify for.

Bogof_Babe

How much of the £40K from the sale of the house has she still got left? This will affect the amount of benefits she is entitled to.

Bogof_Babe

Sleepy wrote: »

Yes, it does exceed the Notional Income, though I'm not sure what you mean by this.

The £250 is not guaranteed, it depends on Overtime, work availability, etc. Sometimes its more, often its less.

What I meant was that if you are giving her this amount more often than not, then it has the same effect on her entitlements to benefit as if she had the £37K invested and was taking an income from that. The only difference is that she would also be able to nibble away at the capital to supplement her income when required.

It seems to me more likely that she is living beyond her means (from whatever source) and perhaps this is what needs to be addressed, rather than getting her more money from somewhere or other.

Sleepy_2

Caz3121 wrote: »

The problem will be with any means tested benefits such as housing benefit which are affected with any savings over £6k and are not paid at all if savings over £16k.
Not sure how much of the £40k left but it will probably be assumed that she also has the £37k also so this will affect what she can qualify for.

She has about £1,500 left out of the original £40,000.