Putting Name On Council Tenancy

duchy

no1wf wrote: »

That seems to be one of very few options I have. Either I move out and Dad moves out. Or we carry on as we are, Dad dies and I pack up my life in 2 weeks and move out.

I think I'm still going to save up for a deposit and see what I can do about buying the house. Maybe the bigger a deposit I have the more chance I might have. My boyfriend might be able to go on it too.

Or you move out -and rent or buy a place with your boyfriend and Dad stays put.

jamie11

And buy a funeral plan for your Dad. He is only in late middle age. Pay him enough for accommodation for you and your b/f. Pay your share of CT. Make sure you pay a minimum of two thirds the household bills and do the weekly shopping. I guarantee your dad will last a lot longer than you think if you pull your weight.

tbs624

no1wf wrote: »

... I also don't think I could cope with my Dad dying, having to organise the funeral and everything involved, all the paperwork and legal things, anything involved with the house, finding somewhere else to live, moving 3 peoples worth of belongings into a new house, hopefully still being paid by work at this time, with no one to turn to, all by myself within the few weeks I was told I'd get to be out of here

...but you have already said that you have a boyfriend?

Many of us would not view someone of 60 as "elderly". You have mentioned anxiety issues in a previous post - have you sought some support specifically for that?

Lots of young people struggle when they first move out of the parental home and your parents having been doing you no favours by shielding you from the real cost of funding a roof over your head.

Have you and your BF actually had a look at any private sector rental properties?

You could still visit your dad and there are personal alarms/mobile phones etc so that he can keep in touch with you.

poppysarah

no1wf wrote: »

I live with him, we get housing benefit but it's 14% (I think) less than it used to be because of our spare bedroom. I pay £20 towards the rent each week does that still count?

If you get HB what are you planning on getting a mortgage with?

Racml34

Sorry just another thought. Has your dad told Housing Benefit that you are living with him? You mention the 14% deduction for bedroom tax but if you are working, depending on your wage I would expect there to be a reasonable non dependent deduction for you. In which case you would need to be paying more than £20 per week?
You also need to notify the housing association that you have moved in. No one can give you a cast iron clad guarantee as you put it that he won't be evicted but if he has a secure tenancy then legally there are no grounds to evict him. Housing Associations are not sneaky, they have to act within the law and to evict someone you need to apply to court and prove you have grounds for possession. Unless there is something you are not telling us I cannot see any grounds.

Perhaps you and your father should go and see his housing officer to discuss this. I can tell you now though they will not grant you a joint tenancy as you would need exceptional circumstances and I cannot see any here.

haras_nosirrah

I am also confused as to why you are talking about your dad as if he is on his last legs. My dad is 66 and plays water polo for a league - 60 is not elderly and by your own admission he is not considered to be unwell. Are you planning on living there until your dad passes on - you could be 50 and still living at home with life passing you by.

Your dad has a secure home with no maintenance worries where he can live out his days in peace. Why don't you build a life for yourself with your boyfriend and find your own place to live and maybe raise a family one day. The council house will not come to you so give up on that dream. It is not your dad's house, it belongs to the council and that means that your dad cannot give it to you.

no1wf

duchy wrote: »

How on earth is your Dad getting housing benefit legally with you AND your boyfriend living there too (You say he stays there every night -as far as housing benefit are concerned he's living with you and your Dad).

Either you are a troll or you need to educate yourself about housing law if your Dad is getting any form of housing benefit and not including your boyfriend in his claim . £20 a week for two people to stay in your father's home is rather good - as you are talking about a mortgage presumably you and your boyfriend both work so would be able to save lots !!!! Alternatively you could use savings to pay back the incorrectly claimed housing benefit and the fines your Dad will get when he's taken to court for benefit fraud for having two other adults living in his home undeclared.

Your Dad may not be good with forms and regard an adult daughter as a dependent and has filled out forms accordingly but housing benefit will not see it that way and will view it as three adults living there . This really needs sorting out before the arrears grow to a frightening level....especially if you and or your boyfriend are working.

As an adult daughter you have a responsibility to your Dad to make sure he hasn't misunderstood how his housing benefit is calculated and to pay a proper rent so he can afford to pay the correct rent. Odds are for you and your boyfriend it's likely to be more than £120 a month more.

Citizen's advice would be able to give you advice (and should know what council rents are locally -before housing benefit is deducted) so you could talk to them before approaching your Dsd about how to regulate the situation and ensuring he doesn't get into serious trouble with the authorities.

I note your Dad pays for the shopping too -even when you contributed nothing -Do you seriously think this is right or fair ?

He stays a lot but not every night, only a couple times a week.

I'm not a troll but I'll admit I don't know a lot of about it at all, Mum was always in charge of the money and never spoke about what benefits we had or anything so I'm still learning at the moment.

I only work part time and my boyfriend left uni last year and has been on jobseekers for around 9 months, unable to find a job in his field or anything else for that matter. He's currently just started a 6 month temporary job 3 weeks ago but has to spend a lot on travel as he doesn't drive.

I would help him with calculating everything but I don't know how to do it myself.

No it's probably not fair, but he doesn't ask for anything more towards anything and I know he would only ask if he needed it. I plan to save up a bit extra and give it to him to top up his bank account though.

duchy wrote: »

Really ?

I see it differently.
Her father is still of working age and according to the OP doesn't have any health or mobility issues so doesn't need "care" as such.

Until her mother died last year she was contributing £120 a month -since then has paid nothing until asked and now pays £20 a week but has moved her boyfriend in (says he stays every night-and talks of having to remove three people's stuff from the property if her Dad dies) but makes no mention of the boyfriend making any contribution to the household . She also talks of getting a mortgage for right to buy implying that she and the boyfriend work. Oh and Dad asked for money as all of his benefit was going on rent and shopping -so he's buying all the shopping too.

Greedy doesn't seem unreasonable ..... Her Dad may have caused the situation by not wanting to ask for rent when she stopped paying (it isn't clear why she stopped paying when her Mum died ) but her actions are not ones of a daughter concerned for her Dad's welfare -at best she's uninformed and needs to change that . At the moment Dad is paying all the bills on JSA by the sound of it and she's either chipping in £20 a week from at best JSA or at worst from a wage and boyfriend is living there for nothing. If Dad was comfortable on a private pension then it wouldn't appear so self centred but it appears Dad is left with nothing and she has disposable income to save. My sympathy is with Dad not daughter on the current info I'm afraid.... even more so if she and boyfriend are working.

3 peoples is Mums stuff too, we donated a lot of her clothes but kept a lot of her stuff.

Boyfriend has only just started work but the plan was for him to officially move in one day, as in move all of his things in but the spare room is full of junk. But he has said that if he does move in he would contribute.

SandC wrote: »

I think you are worrying rather unnecessarily at the moment. Your father is only 60 years old so why do you keep talking about him dying as if it is just around the corner?

My advice would be to continue to live as you have been since your mother passed away. Start saving up right now for the future - it might be 20 years until you have to move out of the house.

I understand your attachment to the property but you just have to remember that you have been privileged to have that secure home for 25 years and you will continue to do so while your father is fit enough to live in the house.

Because my Mum died at 62, granted Dad doesn't have cancer and never has done as far as I'm aware but he has COPD and is a smoker.

I know I should and I plan to but I just want to be prepared for anything since I know nothing about anything because it was never talked about round the house and it's only me to deal with things.

duchy wrote: »

Or you move out -and rent or buy a place with your boyfriend and Dad stays put.

That was my original plan, but then Mum died and I don't want to leave Dad alone. He has random coughing fits and he'll go purple in the face and if he choked or something and I wasn't there I couldn't live with myself.

jamie11 wrote: »

And buy a funeral plan for your Dad. He is only in late middle age. Pay him enough for accommodation for you and your b/f. Pay your share of CT. Make sure you pay a minimum of two thirds the household bills and do the weekly shopping. I guarantee your dad will last a lot longer than you think if you pull your weight.

He has a direct debit for life insurance I think, is that the same thing? I should probably contribute more though.

tbs624 wrote: »

...but you have already said that you have a boyfriend?

Many of us would not view someone of 60 as "elderly". You have mentioned anxiety issues in a previous post - have you sought some support specifically for that?

Lots of young people struggle when they first move out of the parental home and your parents having been doing you no favours by shielding you from the real cost of funding a roof over your head.

Have you and your BF actually had a look at any private sector rental properties?

You could still visit your dad and there are personal alarms/mobile phones etc so that he can keep in touch with you.

He wouldn't know what to do either he's an only child at his house too and knows about as much as me.

The anxiety was a few years ago now, I couldn't talk to strangers which meant I was about 5 years later than my friends at driving and getting a job.

Yes but only for purely looking no actual intent on doing anything, I want to wait until boyfriend has a secure job not the temporary one he has at the moment.

I would rather get a mortgage and buy a house as opposed to rent though. That was the point of this thread was that I want to get a mortgage with Dad so we could buy this place and he could live here. But because of his age and he's unemployed it's more difficult so I was seeing if there was any way I could get put on the tenancy so that I could get the mortgage myself to buy the place because the mortgage has to be by someone on the tenancy.

poppysarah wrote: »

If you get HB what are you planning on getting a mortgage with?

I work part time but if I knew I could get a mortgage I would ask for extra contracted hours. I've started doing overtime now to try and save up.

Racml34 wrote: »

Sorry just another thought. Has your dad told Housing Benefit that you are living with him? You mention the 14% deduction for bedroom tax but if you are working, depending on your wage I would expect there to be a reasonable non dependent deduction for you. In which case you would need to be paying more than £20 per week?
You also need to notify the housing association that you have moved in. No one can give you a cast iron clad guarantee as you put it that he won't be evicted but if he has a secure tenancy then legally there are no grounds to evict him. Housing Associations are not sneaky, they have to act within the law and to evict someone you need to apply to court and prove you have grounds for possession. Unless there is something you are not telling us I cannot see any grounds.

Perhaps you and your father should go and see his housing officer to discuss this. I can tell you now though they will not grant you a joint tenancy as you would need exceptional circumstances and I cannot see any here.

I imagine so, we've been living here for 25 years so I would have thought Mum would have told them.

haras_nosirrah wrote: »

I am also confused as to why you are talking about your dad as if he is on his last legs. My dad is 66 and plays water polo for a league - 60 is not elderly and by your own admission he is not considered to be unwell. Are you planning on living there until your dad passes on - you could be 50 and still living at home with life passing you by.

Your dad has a secure home with no maintenance worries where he can live out his days in peace. Why don't you build a life for yourself with your boyfriend and find your own place to live and maybe raise a family one day. The council house will not come to you so give up on that dream. It is not your dad's house, it belongs to the council and that means that your dad cannot give it to you.

My Mum died when she was 62, Dad has COPD and no way would he be able to play water polo lol He's not unwell enough that he's bed ridden and can't leave the house. He walks the dog but it takes him 2 hours because he has to stop every 10-15 minutes. I called him from work today and he just wheezes down the phone.

In my head I would live here until he passes away but I know that's unrealistic for me and probably for my boyfriend. I should move out really but it's leaving him here alone and the thought of him possibly being evicted for being 1 person in a 3 bedroom house.

I know now that I can't get the tenancy or that Dad can't give it to me but I thought that if I could buy the house I know then that he has somewhere to stay for the rest of his days.

Yorkie1

no1wf wrote: »

I would be applying with my Dad, who would then have to be on the mortgage too. As I've said previously I know it would be difficult given his age but I'll still try.

You are still missing the point.

You will not be allowed to apply with your Dad. Only the person on the tenancy is legally allowed to apply for the RTB. You are not on the tenancy and therefore cannot apply for the RTB.

The names on the mortgage and the RTB must match, so you cannot apply for a mortgage without being on the RTB.

Therefore ONLY YOUR FATHER can apply for the RTB and, thus, for the mortgage. Sorry to 'shout' but you really aren't getting the message.

Even if this was not a problem, the mortgage will be limited by your father's age. Lenders will only lend until retirement age - often 65 or longer if there is evidence of decent pension / working income. If your Dad is, say, 62 years old, then you may be limited to a mortgage of only 3 years.

Overall, your plan is a complete non-starter and you must look at what Plan B will be.

Mojisola

no1wf wrote: »

I imagine so, we've been living here for 25 years so I would have thought Mum would have told them.

Relying on what your Mother might have told the council and the DWP is not good enough. They have to be informed when changes happen - your Dad must have applied as a single person after her death. If they don't know you are working, they may be paying too much and that will be claimed back at some point. Your Dad could even be accused of fraud so check it out!

Racml34

I'm sorry but it does seem you are not really listening or taking responsibility for anything by saying that you've never had to do things before or dealt with forms etc. you really need to make sure that housing benefit are aware that you are working as not doing so could result in an overpayment which old lead to rent arrears. You are also still mentioning your dad being evicted and I have explained previously that if there are no rent arrears or other breaches of tenancy then legally he cannot be evicted on a secure tenancy.

If you are genuinely concerned about leaving your father on his own get some advice from your housing officer. You could ask to be referred for some housing related support to help you and your father look at all available options. There will not be the opportunity for you to buy it as there is absolutely no chance of you being added to the tenancy at this point.

Sheltered housing is excellent now and each unit has an alarm and most have on site staff for at least part of the time. Most have an excellent sense of community with residents living independently but lots of opportunity to socialise. You could go and have a look at a few schemes with your dad and see what he thinks? I took one of my residents who was adamant she didn't want sheltered to look at a scheme and she loved it. sheltered is usually from age 55+ now so it's not all old people! If you're concerned about the property being too big you could also suggest a mutual exchange to our father to a smaller property.