Advice on ESA. Please help me.

ramsas

regards mortgage repayments and re possessions by the banks, I would suggest that given the current socio political/economic climate and the intentions of the current Government to impose major cuts in jobs/benefits etc that the situation is to going to become ever more prevalent in the not so distant future.

andyandflo

ramsas wrote: »

regards mortgage repayments and re possessions by the banks, I would suggest that given the current socio political/economic climate and the intentions of the current Government to impose major cuts in jobs/benefits etc that the situation is to going to become ever more prevalent in the not so distant future.

I agree entirely. It is inevitable that more will lose their homes because of it.

I have said before that maybe the best way sometimes is to just walk away - saving all of the aggravation that comes with the worry of finding each month's repayment, the legal letters through the letterbox, the court hearing to gain possession etc.

It's an acceptance that what happened in the Thatcher years as regards everybody trying to buy their own property was patently wrong. There are those of us that are not in the socioeconomic category that really makes that possible. The dream has turned into a nightmare.

We have been made to believe that we all have a right to own a property. Totally unfair on those that really shouldn't have done so.

Simply put we should wind the clock back and realise where we stand in society and maybe the true property owners should still be the landed gentry and not others with overblown ideas of grandeur

lonestarfan

Does ESA class as an Income based benefit?
The half pay runs out in 3 months (December). He doesn't earn very much anyway. At that point he will be on no pay and my friend (his wife) does not work. At that point they will have no income so it seems to me she can then apply for income support. I would think that is an income based benefit and so could then lead to her being able to apply for SMI - am I on the right track?

Sam____2

lonestarfan wrote: »

Does ESA class as an Income based benefit?
The half pay runs out in 3 months (December). He doesn't earn very much anyway. At that point he will be on no pay and my friend (his wife) does not work. At that point they will have no income so it seems to me she can then apply for income support. I would think that is an income based benefit and so could then lead to her being able to apply for SMI - am I on the right track?

If he's awarded income based ESA then yes he could qualify for SMI then, but my thinking is that there is still the 13 week waiting period from when he claims until SMI would kick in with any income based benefit, don't think they would qualify for income support but it's not a straight forward case so it's very hard to call it.