Losing Job - Help with mortgage?

tigerlily

tcr wrote: »

"Underlying entitlement to JSA(IB)" is not a term used by mortgage officers or benefit processing officers, nor have I ever seen it used in internal DWP guidance.

Perhaps you could hook me up to a DWP link where that term is used, or describe what you mean by that term, perhaps illustrate it with an example so I can establish what you mean ?

Hmmmmm, sorry but.....no! It is a term used alot. The guidance suggested by DMG is an interesting read and will update you.

coo699

Thanks for your replies...I feelmore confused tho! I work 40+ hours but as the business is just getting off thr ground its yet to bring any money in still. Do you mean my partner wouldnt be able to to claim contribution based job seekers? I dont see how that would be connected...also does the fact that Im working although low income or no income would mean even with JSA for him he would not be eligible for mortgage assistance? We have no savings over about 800 pounds.

Thanks again!

tcr_3

dmg24 wrote: »

Here is some openly available information. It only came in last January (2009), perhaps your information is outdated?

http://www.official-documents.gov.uk/document/other/9780108508769/9780108508769.pdf

I'm not reading that, I'm quite confident you haven't during the intervening period either.

Hook me up to an official document/html and highlight that part which uses the term "underlying entitlement to JSA(IB)" in relation to SMI entitlement, or kindly explain to me in your own words what this term of yours means, so that I can understand, huh ?

tcr_3

tigerlily wrote: »

Hmmmmm, sorry but.....no! It is a term used alot. The guidance suggested by DMG is an interesting read and will update you.

It's not a term widely used. Not at all.

Underlying entitlement to Carer's Allowance, yeah we all heard that one. But this underlying entitlement to JSA(IB), where's that writ down in the law ?

Because it's the law the DWP work to, isn't it ? You two are the ones giving the advice, what does it mean ?

happymumto2

coo699 wrote: »

Thanks for your replies...I feelmore confused tho! I work 40+ hours but as the business is just getting off thr ground its yet to bring any money in still. Do you mean my partner wouldnt be able to to claim contribution based job seekers? I dont see how that would be connected...also does the fact that Im working although low income or no income would mean even with JSA for him he would not be eligible for mortgage assistance? We have no savings over about 800 pounds.

Thanks again!

Am no expert and can only go on personal experience and my own circumstances. On contribution based benefits I got no mortgage help but on paper was awarded X amount, even though the money coming into the house was not enough to cover the mortgage.(single parent no partner or extra income).
Once the income related benefits kicked in, so did the mortgage support. The one thing I would suggest is speaking to your mortgage provider all the time. Until last week I had not made a payment since last November. They are aware of the current economic climate and are a little more lenient than they were previously. As long as you keep them informed.

happymumto2

tcr wrote: »

It's not a term widely used. Not at all.

Underlying entitlement to Carer's Allowance, yeah we all heard that one. But this underlying entitlement to JSA(IB), where's that writ down in the law ?

Because it's the law the DWP work to, isn't it ? You two are the ones giving the advice, what does it mean ?

My old award notice does not actually state the words "underlying entitlement", what it says is "Extra money towards your housing costs", it then goes on to say that "your employment and support allowance is X minus X, so you would have been entitled to X, however because you have X we will only pay you £89.80.

So the entitlement was there but not in payment. The words "underlying entitlement" are not used specifically, but the actual principle is there.

tcr_3

I'll take this one to another thread.

coo699

Hi there, thanks for all your replies, looks like Contribution Job Seekers you can apply for mortgage relief but its means tested... Only one more question! Does it only apply to the person on the mortgage as to the mortgage relief? how to they assess this? nobody will say one way or the other... basically the house is up for sale (has been for a while) as its my partner and his ex's, she pays nothing on the mortgage (although is named on it) Im wondering if mortgage assistance is means tested and would be affected by me being self employed or her being on the mortgage? any experience of this?
Thanks

karenx

If she is named on it also then he will only qualify for half the interest not it all

happymumto2

coo699 wrote: »

Hi there, thanks for all your replies, looks like Contribution Job Seekers you can apply for mortgage relief but its means tested... Only one more question! Does it only apply to the person on the mortgage as to the mortgage relief? how to they assess this? nobody will say one way or the other... basically the house is up for sale (has been for a while) as its my partner and his ex's, she pays nothing on the mortgage (although is named on it) Im wondering if mortgage assistance is means tested and would be affected by me being self employed or her being on the mortgage? any experience of this?
Thanks

Some experience but again not the same circumstances, the mortgage is in joint names, mine and my former partners. As I have always paid the mortgage on my own (no payment at all from ex), they pay 100% of the SMI as I am deemed responsible for all mortgage payments.

However I do not have a partner, so am not sure this would apply in your circumstances.