Support for Mortgage Interest Discussion Area

patskier

Sprintblue no we dont have young children, our youngest is 18 and works full time, but she lives with my oldest daughter as its closer to her work as she doesnt drive.

I did the benefits calculation on a link i found here, entitledto i think it was called, with my wages at £104 per week, hubbys JSA CB £60.50 we can get a reduction of £15 per week on our council tax, that was it, it didnt say anything else, but my hubby has to have monthly prescriptions for his high blood pressure that costs £14, i wondered if we could claim that from somewhere, maybe the benefits people? Would you happen to know that Sprintblue please?
Sorry to keep asking you questions, i feel like i should be paying you for your time i have taken so much of it here, but honestly i cannot tell you the relief i feel knowing someone here has all the answers and i appreciate every comment you have made:j

P.s I am sorry selfish me i meant to say good luck with the job hunting, will keep eveything crossed for you, but Sprintblue if you find a job, pleaseeeeee dont leave here, people need your valuable insight!

[Deleted User]

patskier wrote: »

Sprintblue no we dont have young children, our youngest is 18 and works full time, but she lives with my oldest daughter as its closer to her work as she doesnt drive.

I did the benefits calculation on a link i found here, entitledto i think it was called, with my wages at £104 per week, hubbys JSA CB £60.50 we can get a reduction of £15 per week on our council tax, that was it, it didnt say anything else, but my hubby has to have monthly prescriptions for his high blood pressure that costs £14, i wondered if we could claim that from somewhere, maybe the benefits people? Would you happen to know that Sprintblue please?
Sorry to keep asking you questions, i feel like i should be paying you for your time i have taken so much of it here, but honestly i cannot tell you the relief i feel knowing someone here has all the answers and i appreciate every comment you have made:j

P.s I am sorry selfish me i meant to say good luck with the job hunting, will keep eveything crossed for you, but Sprintblue if you find a job, pleaseeeeee dont leave here, people need your valuable insight!

You can get pre paid prescritons,either for 3 months(about £30)or 12 months (approx £100)might be worth asking at the doctors or chemist?

patskier

Thankyou woodbine:beer: the yearly subscription is a great idea, we would save quite a bit there, will ask at our local chemist about this, again thankyou! :T

deb0020

patskier wrote: »

but my hubby has to have monthly prescriptions for his high blood pressure that costs £14, i wondered if we could claim that from somewhere, maybe the benefits people?

If you are entitled to Job Seekers Allowance Income Based (which if you are earning 104 pounds per week you should be) then prescriptions are free. Just tick the back of the prescription form to say you are in receipt of JSA IB and make sure you have proof with you at the Chemists in case they ask for it.
If for some reason your hubby does not claim JSA IB you can then claim for help with prescriptions/dental costs and opticians costs on form HC1. see link
http://www.dh.gov.uk/en/Healthcare/Medicinespharmacyandindustry/Prescriptions/NHScosts/DH_4049391

Hope this helps

sallyannjj

Hello everyone
I'm a forum virgin so sorry if this has already been mentioned but my partner has just gone through a period of unemployment previously been self employed and we qualified for the SMI payment from april 3 days later sods law he found work we will get eventually a payment for the 3 days that we qualified but it will take more forms to fill in and more phone calls that you cant get any sense from.
But from the many phone calls i've made to try and get information 1 piece of information really annoyed me :mad:

EVERYONE REGARDLESS OF WHAT THEIR INTEREST % IS, GET PAID 6.08%

eg; we pay 6.55% (high I know) we would only get paid up to the 6.08% so we would have to pay the difference of that interest, but on the other side someone lucky enough to have a lower interest rate of say 1% still get paid the 6.08%.
Can I just say how unfair this is and why is it like this, they are basically paying some peoples capital as well as the interest while others are told they have to still make the shortfall.:mad:
I've come to the decision that it all needs a massive overhaul from the bottom up and I think the Public should have more of a say in how things are done isn't that what a democratic society should be?
Thanks for reading my rant, till the next one bye

dmg24

sallyannjj wrote: »

Hello everyone
I'm a forum virgin so sorry if this has already been mentioned but my partner has just gone through a period of unemployment previously been self employed and we qualified for the SMI payment from april 3 days later sods law he found work we will get eventually a payment for the 3 days that we qualified but it will take more forms to fill in and more phone calls that you cant get any sense from.
But from the many phone calls i've made to try and get information 1 piece of information really annoyed me :mad:

EVERYONE REGARDLESS OF WHAT THEIR INTEREST % IS, GET PAID 6.08%

eg; we pay 6.55% (high I know) we would only get paid up to the 6.08% so we would have to pay the difference of that interest, but on the other side someone lucky enough to have a lower interest rate of say 1% still get paid the 6.08%.
Can I just say how unfair this is and why is it like this, they are basically paying some peoples capital as well as the interest while others are told they have to still make the shortfall.:mad:
I've come to the decision that it all needs a massive overhaul from the bottom up and I think the Public should have more of a say in how things are done isn't that what a democratic society should be?
Thanks for reading my rant, till the next one bye

What do you think they should do - pay everybody the exact interest rate that they pay, and change this everytime the rate changes? Who do you suggest administers (and pays for) this extra work?

Your suggestion is completely unrealistic.

Sprintblue

I agree, this would not work and in fact would cost more with all the errors that would creep in ....

deb0020

dmg24 wrote: »

What do you think they should do - pay everybody the exact interest rate that they pay, and change this everytime the rate changes? Who do you suggest administers (and pays for) this extra work?

Your suggestion is completely unrealistic.

Believe it or not Income Support did pay mortgage help in this way at one time. Round about 1991/91 I think. And guess what!!! It did not work!!!!
The idea was that every time an individual customer's interest rate changed they were supposed to inform Income Support. They didn't and it caused massive overpayments.

So they brought in one interest rate for all.
Of course it is not a completely fair system but it is the most practical one. At the moment it is even quite generous. Up to Novemeber 2008 the standard interest rate was 1.58% above the Bank of England base rate. But now it is 6.08% for at least another 6 months.
6.08% is higher than most people's interest rate. So they are doing OK.

comicmankev

Havnt read any of this thread, but, hopefully someone can help. Does anyone know the right address at Nationwide to send the MI12 form to? Jobplace said do not take it in branch because they fill it out wrong, and Nationwide over the phone said I had to take it in branch???

di3004

comicmankev wrote: »

Havnt read any of this thread, but, hopefully someone can help. Does anyone know the right address at Nationwide to send the MI12 form to? Jobplace said do not take it in branch because they fill it out wrong, and Nationwide over the phone said I had to take it in branch???

Hi there, I have this, but not sure if there are more addresses, hopefully someone will confirm, good luck.;)

Nationwide Building Society
Naitonwide House
Pipers Way
Swindon
SN38 1NW