How can I help them...

p00hsticks

sovilla wrote: »

They paid 39 years NI and Tax before they went and get nothing for that. It's really frustrating. I have 5 kids work and my husband works and the government chuck money a us, yet I think they need to look after the oldies that actually have paid into the system.

Your patents are in their late fifties - most people these days would consider that as late middle age, rather than old. When your parents reach state retirement age, their history of NI contributions NI will entitle them to full state pensions.

If you really feel that the "old" are more deserving of state aid than those that are younger with families, and the government is really "chucking money at you" then why not pass some of it their way....?

Blackpool_Saver

p00hsticks wrote: »

Your patents are in their late fifties - most people these days would consider that as late middle age, rather than old. When your parents reach state retirement age, their history of NI contributions NI will entitle them to full state pensions.

If you really feel that the "old" are more deserving of state aid than those that are younger with families, and the government is really "chucking money at you" then why not pass some of it their way....?

Well said, oldies you cheeky mare:rotfl:

Dimey

OP, what happened to the £10k deposit the Turkish "friend" paid for their house?

Did your in-laws sue the solicitor who allowed them to sign the deeds over before getting the balance of money for their house?

Is there any likelihood of the Turk who's shooting people, recovering their money?

If not, can they just move back into their home in Turkey given that the contract of sale was not completed as they didn't get the final payment?

Finally, why can't FIL draw his weekly personal pension? Not draw any more lump payments, just take his weekly pension early?

Dunroamin

Blackpool_Saver wrote: »

There's more to this than you are telling us I am sure:eek:

Or less;)..

GwylimT

Errata wrote: »

The problem the couple are faced with is that they can't pass the credit checks for a private rental.

They're living in a private rental at the minute, so it can't be too much of a problem.

Anyway, they paid six months rent up front, so they should have 6 months worth of housing benefit sitting in their account. Also OP, what did they do with the £10K deposit on the house? If they moved to another country to retire and with the intention of not working, how come they don't have enough money to support themselves as clearly they intended to do this without working.

Housing_Benefit_Officer

Errata wrote: »

The problem the couple are faced with is that they can't pass the credit checks for a private rental.

So how did they manage to rent their current property?

If they paid 6 months up front what did they do with their Housing Benefit payment for 6 months? I assume they saved it up and not blow it on day to day living expenses?

And can't their current landlord/agent find them cheaper and smaller property?

seven-day-weekend

sovilla wrote: »

I would love to go guarantor but yes I did go bankrupt last year. And my husband also in 2010. We also are not a home owner which is what a lot of Landlords want.

The housing benefit they have been getting over the last 6 months is basically what's been paying the bills and feeding them. They don't have Internet, or sky, don't smoke don't go out they literally have been living hand to mouth.

It is unfortunate that they have spent money intended for rent on something else.:(

But basically they moved into a place they couldn't afford. I'm not quite sure why they did that.

It seems as though they are not too good at making financial decisions.

What to do now....thinks.... I really think the best thing is to try and get Social Housing based on your dad's medical needs. Try Shelter and/or your Council Housing Department for help.

Also, it might be worth your Dad's while getting onto his Pension Scheme to see if he can take his Pension. I would be really surprised if he has to be 66 to take it. Most personal pensions you can take from 55. He needs to do it sooner rather than later anyway if he is having problems with his memory, as he might not be able to do so later.

Errata

The FIL is attending a memory clinic, probaby for early onset dementia. The clinic will have social workers attached to it and I think the fact that he will soon be homeless should be brought to their attention as a matter of extreme urgency so they can take action in order for his need for accommodation to be met.

FBaby

They worked all their lives, tried to retire to Turkey and it didn't work out so they have come home. What's wrong with that. They just need a little support to get back on their feet. That's all

What's wrong is that they have made mistakes after mistakes thinking of their enjoyment without paying much attention to their investments. They decided to take early retirement, fine, but that can come with consequences. They've decided to move somewhere where you don't have the same rights or benefits then in the UK. Gine, but that can come with consequences. They decided to trust a friend, fine but....

I sincerely do feel for them, what a blow to be facing all those issues at the same time, but getting angry because the government is not throwing all the money they would like to receive or being able to get the accommodation of their choice is not the way to go. I hope for them that they can get over this crisis and start again and enjoy a decent retirement in the UK.

xylophone

FIL had already took some money out of his pension he doesn't get the rest till pensionable age which is 66.

I don't understand this. Your FIL had a private pension? He brought it into payment aged 55? He took the lump sum?

Why isn't he drawing/can't he draw a regular pension income from the rest?