Guaranteed Pension credit - Mortgage Interest

margaretclare

xylophone wrote: »

Read carefully through this http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS48_Pension_Credit_fcs.pdf?dtrk=true

Thank you for this. I read it carefully and I've done the maths yet again. Total weekly income of DH and me from pensions and annuities: £426.31. Savings, in the form of S&S ISAs - well over the top.

Sounds as if princessdon's granny is not 'disabled' enough to qualify for AA and therefore, wouldn't qualify for the Severe Disability Premiums as discussed. Oldboy and his missus both get those. How 'severe' does the disability have to be? I'd imagine they'd both have to be completely immobile?

Interesting as well, about equity release. We did this purely to pay off an existing mortgage. We don't pay the interest on it. We were warned at the time about the possible effect on any means-tested benefits, but as we weren't claiming any and didn't foresee that we would, it didn't bother us.

Pollycat

margaretclare wrote: »

Sounds as if princessdon's granny is not 'disabled' enough to qualify for AA and therefore, wouldn't qualify for the Severe Disability Premiums as discussed. Oldboy and his missus both get those. How 'severe' does the disability have to be? I'd imagine they'd both have to be completely immobile?

Not too completely immobile to prevent her from spending a day out shopping:

oldboy64 wrote: »

Of course we can spend it, try telling my wife that - she would have a heart attack on the spot! She rolled home on Saturday after spending the day shopping with our daughters' with a Mullberry handbag (if that is how you spell it) - when I asked how much it cost - I was told not to ask!.

princessdon

margaretclare wrote: »

Thank you for this. I read it carefully and I've done the maths yet again. Total weekly income of DH and me from pensions and annuities: £426.31. Savings, in the form of S&S ISAs - well over the top.

Sounds as if princessdon's granny is not 'disabled' enough to qualify for AA and therefore, wouldn't qualify for the Severe Disability Premiums as discussed. Oldboy and his missus both get those. How 'severe' does the disability have to be? I'd imagine they'd both have to be completely immobile?

Interesting as well, about equity release. We did this purely to pay off an existing mortgage. We don't pay the interest on it. We were warned at the time about the possible effect on any means-tested benefits, but as we weren't claiming any and didn't foresee that we would, it didn't bother us.

She gets higher rate AA and pays over £120 pw in carer fees (more than her AA).

Her income is pennies over therefore no PC. Plus with her house sale she will be well over now anyway, but I have a feeling she was entitled before house sale to something although PC came to her home and we went through everything.

Strange world when the system allows some to live in poverty and provides a champagne lifestyle to others

superwoman4

oldboy64 wrote: »

Thanks for confirming what I have been saying.

As for having to prove that this is what we get - there isn't much I can give. It's up to you if you believe me or not - I don't personally care.
What was annoying me were the many comments that no one could ever receive the level of income we get under Pension Credit. We do, so it doesn't really matter does it?

Fantasy? Is it? If that is what you believe, OK.
As for being a troll, move on - not at all - Believe what you want - but what I will say is that it does take a lot of hard work and time to understand the system and that you have to keep on top of everything on a weekly basis.

I see he's been PPR'd :T:T again !!!

evenasus

superwoman4 wrote: »

I see he's been PPR'd :T:T again !!!

He'll be back - but will be easily identified by his posts.

margaretclare

Pollycat, I agree. I saw the same post, all about his wife 'rolling home after spending the day shopping with daughters'. This is the woman who requires some equipment provided by Social Services to (a) get her in and out of the bath and (b) help her to get in and out of bed so that he doesn't have to get up to help her. And she can spend the day shopping!! The time spent on your feet in and out of shops, up and down the high street or around places like Lakeside or Bluewater, would be impossible for someone who was as disabled as that. I couldn't do it. Now, he's going to come back and tell us she does it by wheelchair (also provided by Social Services).

I couldn't do it. DH and I are both disabled and now, he's far more disabled than I am due to his spinal surgery and the 4th replacement of the same knee. We don't walk very far at all and certainly wouldn't spend a day shopping. DH found a designer handbag in our local hospice charity shop and didn't even know that Valentino was a designer! He also found an Armani jacket for himself. Didn't take a day of shopping either! Most of my shopping is done online.

margaretclare

princessdon wrote: »

She gets higher rate AA and pays over £120 pw in carer fees (more than her AA).

Her income is pennies over therefore no PC. Plus with her house sale she will be well over now anyway, but I have a feeling she was entitled before house sale to something although PC came to her home and we went through everything.

Strange world when the system allows some to live in poverty and provides a champagne lifestyle to others

Yes it is, and I'm sure that's not what was intended.

Without those 'pennies' over, your Gran would have qualified for PC and then the Severe Disability Premiums on top. It does seem completely unjust.

SandraScarlett

superwoman4 wrote: »

I see he's been PPR'd :T:T again !!!

Oooooooo, has he? How do you know? I'm obviously not much of a super sleuth!

xx

PS - God I'm thick!!! I've just seen it, by his name!

shop-to-drop

What does PPR'd mean?

Pollycat

shop-to-drop - for your information:

Why are people banned (PPR'd)?
We don't remove people's posting privileges lightly. No one pays anything to use this site. Our first consideration must be towards protecting it from increasing costs and legal challenges (although on mainstream issues of consumers' rights, we may choose to take battles on). Posting on MoneySavingExpert.com is a privilege, not a right. We can refuse permission to post without giving a reason.
In the past, we tried hard not to PPR long-standing forum users. Sadly, we had so many issues taking time away from our core MoneySaving work, that protection had to go. Now, if someone's persistently causing trouble, they're PPR'd. If they are, please don't talk about them on the forum. It's unfair to do this when they aren't able to respond.
See more about this in How do I report a post? .
Our decision to suspend or stop any user's posting privileges (PPR) may be final.
The posting ban applies to any/all user accounts used by or in the name of that person.
People who are on here to cause trouble will be PPR'd immediately. Yet we may be forced to do the same with usually-helpful posters, who get into spats or push it too far.
Our card system outlines our approach.

Sometimes the Forum Team will give users a quiet word of warning for breaking the rules if they are getting close to a yellow card.
If your posting privileges are suspended or terminated, please don't attempt to re-register on the Forum or make any posts in any guise whatsoever.


When banned former users do re-register or otherwise disrupt the forum, this can cause severe distress to other users. Dealing with unwanted ex-forum users' posts distracts the team from the core purpose of the site and takes up time. Therefore in such circumstances we may:

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I'd guess the OP was PPR'd for the part in bold.