Gifted deposit & Housing benefit

poppy10_2

Yep, it will be hard to work around the contrived tenancy issue.

Is this really worth bothering about? She will be dead soon, rendering the whole issue moot. If you can't afford to pay your mortgage you'll need to look at some longer term solutions.

dicus1

poppy10 wrote: »

Yep, it will be hard to work around the contrived tenancy issue.

Is this really worth bothering about? She will be dead soon, rendering the whole issue moot. If you can't afford to pay your mortgage you'll need to look at some longer term solutions.

LOL!! I doubt it, she'll probably outlive me...she still goes line dancing !!!!!!!

I could afford it if I could get a contribution, she would be entitled to around £400 per month if it wasn't for the contrived tenancy/gifted deposit issue.

hcb42

you have to think about what your payments might have been, if you had not had the 48k up front in the first place.

BitterAndTwisted

Must be a lavish penthouse with the mortgage-payments at one k a month.

dicus1

hcb42 wrote: »

you have to think about what your payments might have been, if you had not had the 48k up front in the first place.

That's hardly a consideration because we would wouldn't have done it in the first place without that so we wouldn't have the payment at all!

All I want to do is find a solution so she can stay where she wants to be, the easy option would be to tell her she's got to live with us and hand the keys back!

dicus1

BitterAndTwisted wrote: »

Must be a lavish penthouse with the mortgage-payments at one k a month.

Yep it is and unfortunately I signed a 5 year fixed term just before the crash, would be half that today, but nothing I can do about it right now!

corbyboy

dicus1 wrote: »

Yep it is and unfortunately I signed a 5 year fixed term just before the crash, would be half that today, but nothing I can do about it right now!

I think the gifted deposit is a bit of a red herring. It's not the real reason the claim was rejected.

The problem is that you have drawn up a tenancy specifically to claim HB. You have admitted as much yourself. You didn't want rent when they were paying for it but you do want rent now the tax payer is paying.

How long has your fixed term got left?

dicus1

corbyboy wrote: »

I think the gifted deposit is a bit of a red herring. It's not the real reason the claim was rejected.

The problem is that you have drawn up a tenancy specifically to claim HB. You have admitted as much yourself. You didn't want rent when they were paying for it but you do want rent now the tax payer is paying.

How long has your fixed term got left?

They have never paid any rent, just the original deposit. I don't think we hid the reasons for the HB claim, it wasn't driven by greed just a need for some support to keep her in there, the alternative is she comes out and we get rid, there's nothing to be gained in the short term from my point of view by keeping it going, just that we are trying to honor the original deal of a home for life.

They never mentioned the contrived tenancy thing when the application was being considered, just the gifted deposit.

About 18 months.

poppysarah

Would she like a couple of lodgers?


Or sell the house and let her rent somewhere else?

theartfullodger

Get her to move into some other private rented house with another Landlord on a normal commercial tenancy : mum now gets HB/LHA (at our expense) - you rent "your " place out at normal rates, problem solved (at our expense)

Cheers!!