Housing benefit, legal implications

Mrs_pbradley936

I promise I am not making any of this up! I will cut and paste a couple of posts from the other thread so you can see what it is all about.

Mrs_pbradley936

I hope this is the link to the other thread. You need to read about half way through to get to the bits about HB and insurance.

http://forums.moneysavingexpert.com/showthread.html?t=265421

black-saturn

I seem to remember when I was on HB and looking for a house there was one I really liked but the agent said I couldnt apply for it as I was in receipt of HB at the time. I don't know if that was a clause in the mortgage though. I still don't see what a landlord could do about it if you lost your job whilst already a tenant.

Mrs_pbradley936

Well from about post number 25 onwards.

Mrs_pbradley936

This is cut and pasted from the other thread:-


Very good point.

The Insurance would be invalid.

LL needs to know if tenants are claiming HB.

Also, many mortgage lenders specify NO DSS..Again LL needs to know

Mrs_pbradley936

I suppose the question should be "Is the insurance valid if the status of the tenant changes?"

Mrs_pbradley936

msmicawber wrote:

I'm intrigued - what type of insurance is it that you're referring to? I can't see how tenants being in receipt of HB could affect the buildings or contents insurances, so is it insurance against rent defaults and tenants doing a moonlight flit?

It is for buildings insurance

Chrysalis

how does a persons income source increase the risk of damage to the property, buildings insurance charging more for HB tenants is nothing other then discrimination.

Mrs_pbradley936

Chrysalis wrote:

how does a persons income source increase the risk of damage to the property, buildings insurance charging more for HB tenants is nothing other then discrimination.

I agree with you, but by all accounts insurance companies do it all the time and get away with it. Young men pay more for car insurance than young women but nobody seems to be able to say why it is legal for them to discriminate when any other firm would be prosecuted. As you can see nobody has offered any help with the legal implications.

Chrysalis

on top of this there is also terms in mortgages handed out to landlords that specifically say benefit claimants arent allowed as tenants so the banks are also discriminating.