Income support & housing benefit - Help please

ManxAvenger

We are on income support and have a mortgage. Benefit has been reduced by £50 per month, as we have 'less money owing on our mortgage now than a year ago'

Our payments are the same (fixed rate), but our cost of living has risen. This has made us worse off than a year ago.

Can they do this? We weren't informed at the time.

Is it worth switching to interest only paymets?

I would appreciate any help on this.

Thanks

McKneff

Can neither of you work

ManxAvenger

Myself, no because of disability. Beloved DH has been trying for three years to no avail.

welshmoneylover

ManxAvenger wrote: »

We are on income support and have a mortgage. Benefit has been reduced by £50 per month, as we have 'less money owing on our mortgage now than a year ago'

Our payments are the same (fixed rate), but our cost of living has risen. This has made us worse off than a year ago.

Can they do this? We weren't informed at the time.

Is it worth switching to interest only paymets?

I would appreciate any help on this.

Thanks

A lot of people are worse off than a year ago, can you not do any type of work, you seem to be particularly good with a PC?

ManxAvenger

Thanks for your kinds words and helpful advice, Brian. I guess that you are in full time employment?

He is too well qualified for shop work. He has tried and been turned down.

ManxAvenger

No disability discrimination act in force atm, so I get turned down at the second hurdle.

tcr_3

To answer your question. Yes, they can do that.

They review your entitlement to mortgage assistance once a year on the "anniversary date". They send a form to your lender to find out how much your mortgage balance is on that date. If your balance has reduced since the last time it was checked, they calculate your interest payments for the following year based on that reduced balance.

So, there you have it.

Indie_Kid

ManxAvenger wrote: »

No disability discrimination act in force atm, so I get turned down at the second hurdle.

The DDA has been replaced by the Equalities Act.

McKneff

I dont work full time, Im a pensioner, work 3 days a week, no pay rise for 3 years, state pension is only 60% so the cost of living is hitting us all Im afraid and we have to cut our cloth etc.

Post up an SOA and some of us will try to help you cut your outgoings.

ManxAvenger

Not got that one either.

McKneff

ManxAvenger wrote: »

Not got that one either.

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