Putting Name On Council Tenancy

duchy

No you've missed the point - At the moment he is paying more rent because you are living there (and not making up the shortfall), he's also paying more in gas and electric and water subsidizing you and your boyfriend's light, heat, baths, showers, TV, cooking and food. Also he'd have the option to move to a one bedroom property if HE wanted to (not you -him).

At the moment he has no spare money- how would you like every penny of your wages going on rent and bills ? No new clothes, no holiday , no days out. It's one thing to be on the breadline to keep your children but you aren't a child anymore - you're an earning adult and your Dad is on benefits -yet you still expect him to keep you- and your boyfriend too. Can you honestly not see how unfairly you are both treating him ?

no1wf

Joyful wrote: »

I would suggest you check if the council tax is being paid. I don't think your dad will need to pay if he is on benefits but you should have been paying . If you don't sort that out your dad could be fined.

Okay, I'll put it on my list of things to ask him

duchy wrote: »

No you've missed the point - At the moment he is paying more rent because you are living there (and not making up the shortfall), he's also paying more in gas and electric and water subsidizing you and your boyfriend's light, heat, baths, showers, TV, cooking and food. Also he'd have the option to move to a one bedroom property if HE wanted to (not you -him).

At the moment he has no spare money- how would you like every penny of your wages going on rent and bills ? No new clothes, no holiday , no days out. It's one thing to be on the breadline to keep your children but you aren't a child anymore - you're an earning adult and your Dad is on benefits -yet you still expect him to keep you- and your boyfriend too. Can you honestly not see how unfairly you are both treating him ?

So the rent is based on how many people live here? He uses just as much electricity etc as me but I suppose it would be halved if I wasn't here. I don't think he would move, but I would need it confirmed like in writing or something that he wouldn't be chucked out if I left.

I suppose I am, I can't blame my boyfriend though he even brings his own food around to eat during the week.

Can I ask though, when you get a mortgage and buy a house and you're living in it and paying the mortgage off each month. Is that house 100% yours? (provided you keep up payments so it's not repossessed) I mean can I do anything I want with it. If my Dad needed to come live with me would there be any sort of legal implications?

thegirlintheattic

I suggest you seriously look at the housing benefit and council tax - as the numbers you have given are a bit suss and suggests that perhaps the council is not up to date with the arrangements. You need to make sure they know that two working adults are living in the house (from what you have said your bf would count as living there).

Leaving home, especially if you care for a relative, is a tough call but it is worth it, and from what you said your dad is well enough to take care of himself and you could still pop round every day if you wanted. It sounds cruel but you do have to get on with your own life too. You also should do some research on living costs and buying a home. You don't seem to have a firm grasp on costs (for example, having a car is usually not cheaper than using public transport!), and you need to realistically work out what you could afford if you bought any house. Your mortgage would be a lot higher than £30 odd a week, you'd have to pay bills, council tax, insurance, maintenance costs etc. It all adds up, and 'overtime' doesn't really provide a steady income for those costs (and most lenders will not take into account extra income from overtime when working out if they can give you a mortgage).

Yes if you got a mortgage on your own house it would be 100% yours and your dad could live with you.

Rent is per property but housing benefit depends on how many people live there. No council is going to guarantee they will not evict your dad, BUT they won't unless he breaks the tenancy agreement. You moving will have no effect.

no1wf

thegirlintheattic wrote: »

I suggest you seriously look at the housing benefit and council tax - as the numbers you have given are a bit suss and suggests that perhaps the council is not up to date with the arrangements. You need to make sure they know that two working adults are living in the house (from what you have said your bf would count as living there).

Leaving home, especially if you care for a relative, is a tough call but it is worth it, and from what you said your dad is well enough to take care of himself and you could still pop round every day if you wanted. It sounds cruel but you do have to get on with your own life too. You also should do some research on living costs and buying a home. You don't seem to have a firm grasp on costs (for example, having a car is usually not cheaper than using public transport!), and you need to realistically work out what you could afford if you bought any house. Your mortgage would be a lot higher than £30 odd a week, you'd have to pay bills, council tax, insurance, maintenance costs etc. It all adds up, and 'overtime' doesn't really provide a steady income for those costs (and most lenders will not take into account extra income from overtime when working out if they can give you a mortgage).

Yes if you got a mortgage on your own house it would be 100% yours and your dad could live with you.

Rent is per property but housing benefit depends on how many people live there. No council is going to guarantee they will not evict your dad, BUT they won't unless he breaks the tenancy agreement. You moving will have no effect.

I know it must look weird but I think it's more to do with me being clueless about it all and only knowing random parts rather than anything not being declared but I'll check with Dad when I talk to him.

I just don't want him to be lonely, nobody visits us, it's literally just me, him and the dog. I don't want him to get depressed or anything and start to not bother taking care of himself. I'd probably be round here every day after work and I'd still do his shopping for him lol

I know overtime is not guaranteed income and you can't rely on it but there's been a change in another department in work and they have a lot of overtime going spare and there's not many people trained for it so I get asked first so I'm taking it all lol it's only to save up as much as I can.

poppysarah

no1wf wrote: »

but he's always said if he needs money he'll ask for it and he's only just started asking for rent..

I think you need to act like a grown up and have a serious chat with your dad.

Talk about - money, rent, bills, food, water, council tax etc. All of it.
And benefits.

Then talk about the future.
The house. What his plans are. What your plans might be. Whether he'd like to downsize and not live with you.

But as well as talking you have to listen.

thegirlintheattic

no1wf wrote: »

I know overtime is not guaranteed income and you can't rely on it but there's been a change in another department in work and they have a lot of overtime going spare and there's not many people trained for it so I get asked first so I'm taking it all lol it's only to save up as much as I can.

It's good for savings, just be aware that most lenders will not accept it when working out your mortgage. That means you will have to borrow less.

MHartley

no1wf wrote: »

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

...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.

no1wf wrote: »

When I say 'living together quite happily' I meant he stays over sometimes and we have a routine and it's comfortable... But he LIVES in his own house with his Dad

no1wf wrote: »

I know I wouldn't be able to afford a mortgage on my current income, I wouldn't try anything unless I was working full time...

...I only work 4 or 5 hours a day, and I have an agreement with my manager that I'm allowed to keep my phone and car keys in my pocket incase he rings me, then I can be straight out the door and it's only 5-10mins down the road.

1. How often does your boyfriend stay in your father's home?
2. Are you looking to work full time in order to secure a mortgage, or are you only able to work part time, so you can rush home in case of an emergency?
3. Are you a troll?

no1wf

poppysarah wrote: »

I think you need to act like a grown up and have a serious chat with your dad.

Talk about - money, rent, bills, food, water, council tax etc. All of it.
And benefits.

Then talk about the future.
The house. What his plans are. What your plans might be. Whether he'd like to downsize and not live with you.

But as well as talking you have to listen.

It's difficult because it's not something I'm used to talking about since Mum never did, we've had to talk about it more since Dad took over but still not an everyday thing but I'm going to try and educate myself and do it.

thegirlintheattic wrote: »

It's good for savings, just be aware that most lenders will not accept it when working out your mortgage. That means you will have to borrow less.

I did see a mortgage calculator once that asked about overtime but no I am aware, thank you (:

MHartley wrote: »

1. How often does your boyfriend stay in your father's home?
2. Are you looking to work full time in order to secure a mortgage, or are you only able to work part time, so you can rush home in case of an emergency?
3. Are you a troll?

1. 2 nights a week, and sometimes every other saturday night if we're going to a car boot on the sunday morning.
2. I am looking to work full time, work are very understanding and allow me to keep my phone and car keys at hand so if Dad rings and needs me I can be straight out the door and home.
3. No, just very uneducated about these types of things.

paddedjohn

OP, you came here asking the same questions 12 months ago, have you not done any research yourself between then and now and are we going to have a repeat post in 2014.

no1wf

No I hadn't we just carried on as we were. Hopefully if I have to post here in 2014 I'll be asking different questions.