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grants for a pensioner who owns home
Comments
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ye gods and little fishes;we lived for 30 years without an extractor fan until we bought a new property last year,and we not only managed we survived all that time
as mentioned somewhere above equity release will be the best way to self finance this work,or a begging letter to the cabinet full of millionaires
We still haven't got one. We just open the window.(AKA HRH_MUngo)
Member #10 of £2 savers club
Imagine someone holding forth on biology whose only knowledge of the subject is the Book of British Birds, and you have a rough idea of what it feels like to read Richard Dawkins on theology: Terry Eagleton0 -
krisskross wrote: »Blimey does pension credit pay £20,000 a year? Wish we hadn't paid into those private pensions as we don't get anything approaching £20K a year from them:rotfl:
Yes it does. We have been living on non means tested benefits and pensions for the past 6 years. Only recently have we become aware of Pension Credit.
They have sent us a written statement (A124A) which shows that, including help with our housing costs (mortgage interest), we should have been getting £400 extra a week for the past 6 years!!!
They are only willing to backdate it 3 months for which we should get about £5200. As for the rest, about £120,000 we won't see a penny!! It's not right as we have been struggling and could have done with the extra, but what can you do. No one ever tells you about these things do they.
Yes I know, that is what I have been saying. There is no need to pay into a pension or even work. You get the money even if you don't qualify for the Old Age Pension0 -
Yes it does. We have been living on non means tested benefits and pensions for the past 6 years. Only recently have we become aware of Pension Credit.
They have sent us a written statement (A124A) which shows that, including help with our housing costs (mortgage interest), we should have been getting £400 extra a week for the past 6 years!!!
They are only willing to backdate it 3 months for which we should get about £5200. As for the rest, about £120,000 we won't see a penny!!
Well that just shows what a state the Benefit system is in doesn't it. I don't blame you for claiming it if you are entitled, but I wish our income was anywhere near approaching that. We have a Teachers' Pension and a State Pension, our own house and our income is classed as 'too much' for Pension Credit, even though it is nowhere near £400 a week.(AKA HRH_MUngo)
Member #10 of £2 savers club
Imagine someone holding forth on biology whose only knowledge of the subject is the Book of British Birds, and you have a rough idea of what it feels like to read Richard Dawkins on theology: Terry Eagleton0 -
Yes it does. We have been living on non means tested benefits and pensions for the past 6 years. Only recently have we become aware of Pension Credit.
They have sent us a written statement (A124A) which shows that, including help with our housing costs (mortgage interest), we should have been getting £400 extra a week for the past 6 years!!!
They are only willing to backdate it 3 months for which we should get about £5200. As for the rest, about £120,000 we won't see a penny!! It's not right as we have been struggling and could have done with the extra, but what can you do. No one ever tells you about these things do they.
Yes I know, that is what I have been saying. There is no need to pay into a pension or even work. You get the money even if you don't qualify for the Old Age Pension
Well that beats working I suppose.
Why do you still have a mortgage at pension age with no way of paying it off?
I am a great believer in any mortgage help given should then be as a charge on the property so the taxpayer eventually has the return on money lent.0 -
not nasty just facts why dont you downsize to a smaller place the property was left to you.Wow, what nasty replies there are on this thread. I own my own house which was left to me, I had looked after my dad with Alzheimers for several years and had to give up a good job. I am still working but don't earn much money. My house needs a lot doing to it, its probably a lot worse than the OP's uncle's house, I would love to be able to maintain it, love to have jobs done every year, love to put money aside to do those jobs, but unfortunaltely, don't have that money available because I struggle on, trying to keep myself without claiming any benefits. Please don't condemn people for not having kept their houses well maintained, whether they bought them 'cheap' or not. Its alright having a house, but sometimes they are more of a burden than an asset.Before you point fingers,make sure your hands are clean !;)0 -
£400 a week for mortgage interst payments? Must be a helluva mortgage..................
....I'm smiling because I have no idea what's going on ...:)0 -
Exactly the point I was trying to make. People say to me "Well why don't you move?" The answer is because I can't, I am of an age that I wouldn't get a mortgage, don't earn enough to pay a mortgage, don't want to comit to having to pay £x number of pounds in rent which I know I wouldn't be able to pay and wouldn't get enough from the sale of the property to be able to buy anything in any better condition.
I live on my own apart from my dog and have no one that I can even call on to help do odd jobs. As I can't afford to pay labour charges of tradesmen, the jobs don't get done.
Its not a situation I want to be in, I never invite anyone in because I hate the house and it needs so much doing that I am ashamed of it.
Its just a situation that I have found myself in and I'm stuck with it.
I didn't ask to have a house I can't afford to maintain although I would sooner have a house that is mine, even though it needs a lot doing to it, than go into rented accomodation that I also couldn't afford and end up homeless because I couldn't pay the rent.
Whilst I understand what you're saying, it would surely be possible for you to buy a smaller house or a flat which costs less than your unmodernised house. Alternatively, why not take out a small, short term mortgage on your current property to put it back into good repair?0 -
krisskross wrote: »Blimey does pension credit pay £20,000 a year? Wish we hadn't paid into those private pensions as we don't get anything approaching £20K a year from them:rotfl:Yes it does. We have been living on non means tested benefits and pensions for the past 6 years. Only recently have we become aware of Pension Credit.
They have sent us a written statement (A124A) which shows that, including help with our housing costs (mortgage interest), we should have been getting £400 extra a week for the past 6 years!!!
They are only willing to backdate it 3 months for which we should get about £5200. As for the rest, about £120,000 we won't see a penny!! It's not right as we have been struggling and could have done with the extra, but what can you do. No one ever tells you about these things do they.
Yes I know, that is what I have been saying. There is no need to pay into a pension or even work. You get the money even if you don't qualify for the Old Age Pension
No it doesn't, max pension credit for a single person is £137.35 and for a couple is £209.70 per week, the rest would be made up of other benefits such as housing benefit, mortgage interest help, council tax help etc. All the information is available on the internet, I'm sorry you missed out on the extra money but you certainly weren't shafted.It's someone else's fault.0 -
My mum gets pension credit and some council tax benefit - it doesn't amount to anywhere near £400 a week! She has a state pension and a small private pension that she inherited from my dad, but the private pension is only £13.89 a week.0
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