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Selling a half share in a house
Comments
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My sister spoke to them on the phone, and I followed up with a letter stating mum had died and would let them know when probate was granted etc. I haven't heard anything since other than a letter saying how much the mortgage is for me to put on the forms.Unless I say otherwise 'you' means the general you not you specifically.0
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I refer you, again, to my post number 40 of this thread. :rotfl:0
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But if I hand everything over to them it could be a couple of years till the house sells, during which time I'd lose my benefits - I have to tell the benefits agency, otherwise I'll be comitting fraud and could go to prison.Unless I say otherwise 'you' means the general you not you specifically.0
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In which case, get the Probate (by my understanding that makes you the only one authorised to deal with ANY of this) and face the beggars down.
They're walking all over you and only one - your co-beneficiary - has any right whatever to have any say whatever in the matter!
Does your sister realise that until probate is granted and the estate fully dealt with, she has no right whatever to lay so much as a screwdriver upon the house? Is the house insured - what happens if they hit a pipe and a flood results, or cause a short and set the blasted place on fire?
It seems to me too that you are guessing about quite a lot. Why not ask the CAB to help you? Will the Benefits Board of this forum give you more accurate answers regarding benefit fraud, timescales, requirement to notify etc.
Given the stresses this is causing and your own health problems, I respectfully suggest that you cannot have both. Either you take over and bring about the shortest possible conclusion or you back right off, let them do all the donkey work and sit back and wait without cash but also without monumental strain.
Life a blighter when people won't be reasonable, isn't it? I'm sorry this is all happening when you are already grieving.0 -
What a mess! Firstly, as far as the benefits people are concerned, simply say absolutely nothing until you actually "own" your 50% of the house (after the disbursement, as above, which might just take a lot of time for you to sort out, if you see what I mean. Then put your 50% on the market, with an estate agent. Surely that's all that they can ask of you? They can't force your sister to sell her half. So would you not then continue to get your benefits? Point out to your sis and dad that you are forced into this scenario by your money worries, but not to worry, as they have pointed out to you on several occasions, it won't sell. Especially not 50%! Secondly, can the mortgage holders just allow the mortgage to "roll up" and put a charge on the property when it sells? I don't understand how person x can simply take over person y's mortgage - everything is different, risks, income etc. So surely you/sister won't be paying the mortgage company anyway? Thirdly, stop being so reasonable and nice to your nearest and dearest! They sound a dubious pair.0
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paddy's_mum wrote: »In which case, get the Probate (by my understanding that makes you the only one authorised to deal with ANY of this) and face the beggars down.
They're walking all over you and only one - your co-beneficiary - has any right whatever to have any say whatever in the matter!
Does your sister realise that until probate is granted and the estate fully dealt with, she has no right whatever to lay so much as a screwdriver upon the house? I have told them that, but they just say 'it doesn't matter, because dad's buying it anyway and besides it's adding value'. Is the house insured - what happens if they hit a pipe and a flood results, or cause a short and set the blasted place on fire? I'm pretty certain it's not insured. That's a really good point.
It seems to me too that you are guessing about quite a lot. Why not ask the CAB to help you? Will the Benefits Board of this forum give you more accurate answers regarding benefit fraud, timescales, requirement to notify etc. I've been in touch with DIAL, a couple of months ago, but they haven't got back to me. The benefits board on this forum have been fantastic and told me all the rules about fraud and when to inform, and I've looked it up in the DWP rules themselves.
Given the stresses this is causing and your own health problems, I respectfully suggest that you cannot have both. Either you take over and bring about the shortest possible conclusion or you back right off, let them do all the donkey work and sit back and wait without cash but also without monumental strain. I know what you're saying, but it's not that simple. I have no friends, and only two family members, if I kick up a fuss I'll lose the only people I have in my life. But if I don't kick up a fuss, I lose thousands of pounds. I'm between a rock and a half place and I know I need to make a decision, and I can only do that with all the information available to me, hence this thread about the viability of putting half a share up for sale.
Life a blighter when people won't be reasonable, isn't it? I'm sorry this is all happening when you are already grieving.mrschaucer wrote: »What a mess! Firstly, as far as the benefits people are concerned, simply say absolutely nothing until you actually "own" your 50% of the house (after the disbursement, as above, which might just take a lot of time for you to sort out, if you see what I mean. That's my plan, but I can't take forever over disbursement as there's debts that need paying. Then put your 50% on the market, with an estate agent. That's why I started this thread, to find out how much of a possibility that is, but it seems not to be an option going by the first few posts, 'madness' and so on. Surely that's all that they can ask of you? They can't force your sister to sell her half. So would you not then continue to get your benefits? I can get my benefits if I can prove that I'm making reasonable attempts to sell. A vague 'my dad's going to buy when he deems the market to be right' isn't going to cut it, which is the point that I just can't get across to him and my sister. Point out to your sis and dad that you are forced into this scenario by your money worries, but not to worry, as they have pointed out to you on several occasions, it won't sell. They'll just say that doing that will lose money in the long run as it'll mean people coming in and offering tens of thousands less when they decide it's time to go on the market, and that I've no right to lose my sister's half of all that money. Especially not 50%! Secondly, can the mortgage holders just allow the mortgage to "roll up" and put a charge on the property when it sells? From when my sister spoke to them, they were happy as long as someone pays it. I don't understand how person x can simply take over person y's mortgage - everything is different, risks, income etc. So surely you/sister won't be paying the mortgage company anyway? From what they said they don't care who pays as long as they get their money. Thirdly, stop being so reasonable and nice to your nearest and dearest! They sound a dubious pair. They want to get the most money they can - and don't seem to realise that in the meantime I'm losing more than my share of that extra money.
I know I need to be strong and stand up for myself, and if I had someone in RL to support me through it then maybe I could. Even the advice agencies aren't taking any notice.
My family aren't going to take any notice of my benefit situation as they don't think I should be on benefits in the first place, and are hoping that if things get financially difficult I'll 'have to get a job'.Unless I say otherwise 'you' means the general you not you specifically.0 -
Well if they don't care who pays the mortgage, they can pay it themselves. If they don't pay it, and as you can't afford to pay it, then the house will be repossessed and they will get even less for it than if it went on the open market now.
Or at least that's what you could tell them...0 -
Thanks everyone. I think I'm going to set everything out in an email and send it to them both. Then it's there in black and white how I feel and what situation I'm in. I've had a few beers tonight though so I'll do it tomorrow!
I meant to say, I meant I don't think the mortgage company care who pays as long as someone does, obviously my family care as it might be one of them!Unless I say otherwise 'you' means the general you not you specifically.0 -
I suggest you draft it tomorrow as you propose, then leave it for a few hours or even overnight, then come back to it before sending. I often find myself tweaking things when I re-read them after a short break.
Good luck.0 -
Thanks, I will do.
So to go back to my original question, is it possible for me to just put my half on the market? Because if I can't do that, it doesn't matter how much I argue and stand up for myself, I don't have anything to back it up with.Unless I say otherwise 'you' means the general you not you specifically.0
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