MSE News: Support for mortgage interest benefit cut by thousands

sophievenusdoom

mbeast wrote: »

I agree with the rest but this is the part I find hard to understand.

In my case it will cost them more to pay towards a rented house for me than it would to help me towards my mortgage to help save me moving, even more so when from what I've heard that there is a grant to help with moving cost as well.

If it was me paying, I'd rather pay someone in the same situation £100 towards their mortgage than pay them £110 towards renting somewhere else per week and pay them to move as well.

But wasn't your whole point that you wanted to receive the same amount as the people who the state were funding to rent?

sophievenusdoom

MissMoneypenny wrote: »

As there is only going to be a shortage of about £40 a week (about £6 per day) on your mortgage, there must be some job that you or your wife could do to find that money?

This is the part that I always find really hard to believe. Maybe I am being ignorant as I am fortunate enough to have a job, but surely there must be SOMETHING. Be it bar work, cleaning toilets, or as I suggested earlier, shelf stacking in the local supermarket...even if it is just part time to get you back into the groove of working??

peterbaker

I suggest that the holier than thou's who have been whipping mbeast simply find something else to do with their obviously hard-earned leisure time. You will all wear out MSE's "Thanks" button the way the four of you are congratulating yourselves for each salvo launched.

I sometimes wonder what exposure to the real UK world some posters might have had that they should so gleefully indulge in the sport of kicking those who are down.

sophievenusdoom

peterbaker wrote: »

I suggest that the holier than thou's who have been whipping mbeast simply find something else to do with their obviously hard-earned leisure time. You will all wear out MSE's "Thanks" button the way the four of you are congratulating yourselves for each salvo launched.

I sometimes wonder what exposure to the real UK world some posters might have had that they should so gleefully indulge in the sport of kicking those who are down.

I think you are getting completely the wrong end of the stick. MBeast has not taken offence to any of our posts, so why are you?

The points that have been made, we have clearly felt are valid else we would not have made them. Simple when you think about it, really.

I am not in the habit of kicking anyone when they are down, and have stated many a time that I feel for his predicament (as have other posters). Maybe you are merely skimming through the posts instead of reading them properly?

peterbaker

Pray tell ... what's to read properly?

In particular, no-one I think wants to read again any suggestion that shelves need stacking, bars need working or toilets need cleaning.

mbeast

TBH post have been a bit of both, good and not so good.
The not so good parts I know we've tried or is out of our control and although I probably didn't need for some of the comments others may find them helpful.

The main reason I posted and still have not got a clear answer to is how is this new lower interest payment going to save the government / tax payers money when people in the same situation as me will end up costing them more in housing benefit if we have to move than if they just helped us at the rate they where so we could just afford to stay in the homes we already have.

My main concern is if I can't somehow raise extra money where work isn't an option for me atm and my partner as hard has she tries has still failed to gain any employment will end up having to sell my home if I can or get reprocessed which isn't good when I'm already in negative equity.

I guess I posted my problem with what this main topic is about in the hope that there might be some other form of help that I didn't know of, Even if it was possibly a charity or something that loans you money at a modest interest rate and secures it to the home which would then tied me over until we could pay the mortgage ourselves and pay back said loan or keep me going until house prices raise back up to pre crash levels so I can sell and pay back that way.

ILW

This is where there would be no questioning on the idea of SMI if the government were to take an interest in the property in return for paying the interest. it would in theory cost nothing.

sophievenusdoom

peterbaker wrote: »

Pray tell ... what's to read properly?

In particular, no-one I think wants to read again any suggestion that shelves need stacking, bars need working or toilets need cleaning.

What was so wrong with those suggestions?

sophievenusdoom

mbeast wrote: »

TBH post have been a bit of both, good and not so good.
The not so good parts I know we've tried or is out of our control and although I probably didn't need for some of the comments others may find them helpful.

The main reason I posted and still have not got a clear answer to is how is this new lower interest payment going to save the government / tax payers money when people in the same situation as me will end up costing them more in housing benefit if we have to move than if they just helped us at the rate they where so we could just afford to stay in the homes we already have..

How do you expect us to answer that? We have no idea why the government does what it does. Without getting into politics,it would be hard for anyone to say. If that is the answer that you so desperately needed, then I don't think you will find it here, sorry!
My main concern is if I can't somehow raise extra money where work isn't an option for me atm and my partner as hard has she tries has still failed to gain any employment will end up having to sell my home if I can or get reprocessed which isn't good when I'm already in negative equity.

mbeast wrote: »

I guess I posted my problem with what this main topic is about in the hope that there might be some other form of help that I didn't know of, Even if it was possibly a charity or something that loans you money at a modest interest rate and secures it to the home which would then tied me over until we could pay the mortgage ourselves and pay back said loan or keep me going until house prices raise back up to pre crash levels so I can sell and pay back that way.

As I believe previous posters pointed out...you took a chance in buying a house, it didn't pay off as you lost your job. Why should the taxpayer subsidise the risk you took?

mbeast

sophievenusdoom wrote: »

As I believe previous posters pointed out...you took a chance in buying a house, it didn't pay off as you lost your job. Why should the taxpayer subsidise the risk you took?

Why should taxpayers subsidize rent payers to private tenants then, You private rent or buy for the same reasons for most parts, Ie to put a roof over your head in a area you want to live. only difference is I'm willing to pay back any subsidies I get, Do all the others that get subsidized?

Sure one day I might make a profit on my house but I have to maintain it myself, renters on the other hand that get housing benefit don't and the landlord is getting his mortgage if buy to let paid on the house they are renting.