Housing Benefit

dangerman7uk

Lou76 wrote: »

Couldn't agree with you more.

Where has this "entitlement" idea come from?

I live alone, in a 1 bed flat, but I work from home and need a separate office space.

Up until now I've been using the dining room, but now I've sold my flat, and buying another which has a 2nd room I can soley use.

Maybe I should've asked the council to rehome me in a flat that would a) suit my needs, and b) be as roomy as this one. Would save me compromising, based on what I can afford.

Then again, I think I know what the answer would be...

So it looks to me like you're taking advantage of all the government funding you possibly can - do you work full time? If not, I imagine you don't even pay tax on your earnings and yet you feel 'entitled' to take advantage of tax paid government run council assistance. Do you receive tax credits or any other benefits?

If not, does that mean that you believe the ones less fortunate who find themselves in difficult circumstances and do not pay as much tax deserve to live in poverty?

This is a more or less socialist government and it is so for good reason. The comment you have just agreed with is plagued with ignorance and stupidity.

dangerman7uk

I would just like to clarify:

I can't sell my house at the moment - they're just not selling other than to investors who want to pay pittance.

I'm on a low income and so cannot afford rent and mortgage.

I have only renting as an option to fit my family.

I will rent at a loss.

The loss combined with extra cost of new house means I'm struggling to cope.

I would be better off without the house and I wish I could get rid.

If I did get rid I'd be better off each moth and wouldn't have any hassle or risks.

Even just some small discount of the extortionate council tax rates would counter my loss - I'm not asking anyone else to pay for my 'investment'.

Also - can it really be considered an investment when i'd be lucky to break even in twenty years?

fluffymovie

Ignoring all the tooing and frooing, as Real said the rules about ownership of a second property are as they stated.

The property would be valued and then 10% deducted for selling costs and then we would deduct the value of any debts secured against it so your mortgage and perhaps the grant from the LA. The balance would be treated as capital and if it is only £7k, you would be below the £16k limit.

There is also the issue about the money that you would be receiving from rent and this is a bit complex but basically, we would use a relevant term (say 6 months if that was the AST length given to a tenant) and calculate the rental income over that period of time. We would then deduct from that figure any expenses such as your monthly mortgage payments, insurances etc, Anything left at the end of that would be treated as capital for the period in addition to your £7k.

With regards to putting the house on the market to obtain HB, you have to be taking reasonable steps and if the HB office believe that you have only done this to claim, may refuse the application on the basis that the steps you are taking are not intended to achieve a sale, I have had a case like this where the claimant put the property on at 25% more than the selling price for similar houses in the area and would not allow the agent access for viewings.

HB is a benefit and like all benefits, there are rules but if you play by them, you would receive what the law says you are entitled to.

real1314

Deleted_User wrote: »

You chose to buy a 2 bed house and you chose to have 3 children, yet now you expect the tax payer to basically fund your investment..... Heard it all now :rotfl:

Your signature is:

"I only comment on posts I have relevant understanding and knowledge of, I have worked as a Payroll Clerk for 16 Years first in Recruitment now in the Voluntary Sector .Had all sorts of battles over the Years with Housing Benefits, Tax Credits and got over £2000 compensation from CSA when they got it wrong for 2 Years"

So, what knowledge and understanding did you bring to this post?
I think you brought ignorance. :cool:

real1314

dangerman7uk wrote: »

I get stuck at question 2 on this...

https://seftonclaims.teamnetsol.com/servlet/QuestEngine?TNSA_A=claim&TNSA_S=html&TNS_LI=false

It looks like they won't know for certain until I go and see them.

That's just telling you they can't give you an estimate on-line. The reason for that is that the property will need to be considered based on it's value and the mortgage.
:cool:

dangerman7uk

fluffymovie wrote: »

Ignoring all the tooing and frooing, as Real said the rules about ownership of a second property are as they stated.

The property would be valued and then 10% deducted for selling costs and then we would deduct the value of any debts secured against it so your mortgage and perhaps the grant from the LA. The balance would be treated as capital and if it is only £7k, you would be below the £16k limit.

There is also the issue about the money that you would be receiving from rent and this is a bit complex but basically, we would use a relevant term (say 6 months if that was the AST length given to a tenant) and calculate the rental income over that period of time. We would then deduct from that figure any expenses such as your monthly mortgage payments, insurances etc, Anything left at the end of that would be treated as capital for the period in addition to your £7k.

With regards to putting the house on the market to obtain HB, you have to be taking reasonable steps and if the HB office believe that you have only done this to claim, may refuse the application on the basis that the steps you are taking are not intended to achieve a sale, I have had a case like this where the claimant put the property on at 25% more than the selling price for similar houses in the area and would not allow the agent access for viewings.

HB is a benefit and like all benefits, there are rules but if you play by them, you would receive what the law says you are entitled to.

Thank you so much. I thought I'd made an idiot of myself posting something silly on here. I appreciate you clearing that up for me, I'll check out what the council say once I've moved in.

dangerman7uk

real1314 wrote: »

So, what knowledge and understanding did you bring to this post?
I think you brought ignorance. :cool:

Thanks! Legend.

[Deleted User]

real1314 wrote: »

Your signature is:

"I only comment on posts I have relevant understanding and knowledge of, I have worked as a Payroll Clerk for 16 Years first in Recruitment now in the Voluntary Sector .Had all sorts of battles over the Years with Housing Benefits, Tax Credits and got over £2000 compensation from CSA when they got it wrong for 2 Years"

So, what knowledge and understanding did you bring to this post?
I think you brought ignorance. :cool:

Really poor you! My knowledge is that people receive housing benefit cause they have no other way of putting a roof over their head not so they can invest in Properties they are not willing to live in?

[Deleted User]

dangerman7uk wrote: »

You make me laugh. I AM THE TAX PAYER. It's amazing how ignorant people can be when it comes to money. Greed is what they call it in non capitalist countries. And that's what I call it too. I work hard full time plus I work significant overtime and I still don't earn much. But our corrupt government sees fit to take a ridiculous amount of tax from me. Everything I earn, everything I spend. I've also worked hard to become a degree graduate to only be rejected in further education and higher paying jobs.

One of my children is a step son, I'm doing my best to make sure he doesn't go without just because his real dad walked out on him when he was a year old. Non of my kids deserve to suffer poverty just because of mistakes I, or anyone else has made. I don't want charity. I would, however, like to know what I'm entitled to as
regard getting tax breaks and tax back - which, if I'm not mistaken, is what I'm asking for.

I bought my house seven years ago as an investment property.
When the market turned bad I ended up stuck living in it. Two
bedrooms was not my choice as a home.

So do me a favour love and keep your silly ignoranus comments to yourself.

Yes one word in your post sums you up, the one you highlighted GREED

Blackpool_Saver

Do not rent that house out, you think you can't sell it now, wait until it's got a sitting tenant, can you use the dining room as bedroom or divide the largest bedroom, anything but let it get spoilt......