Received inheritance but am dsabled and vulnerable.

GregoryH

Andypandyboy wrote: »

I note from the post above that you don't live at home. So, if you can run a house/flat and manage your day to day expenses I doubt that you would be considered financially unsuitable to take control of the inheritance. I think that maybe the suggestions Ames has given would be a good option.

I don't live at home, no. My Mum helps me out by paying three major bills. If she didn't there is no doubt I would have difficulties financially. I hardly get enough money as it is without it affecting my daily quality of life. The DWP don't care whether you can afford to watch tv, use the phone, budget for clothes. If it was up to them (providing I had no issues at all managing money) I reckon it would make me very withdrawn/sicker than I already am without use of a tv/phone. At the end of every fortnight I am nearly always overdrawn at the bank or asking my friend to lend me some money. I have a key/budget meter for both Gas and Electric because these companies always estimate usage for direct debit payments. I was paying my BT bill monthly but they estimated more than I used by over £50. I payed the £50 and terminated my contract. Finding the money would have put me under considerable hardship without my Mum helping me. They then sent me a little over the £50 I supposedly owed within a few days of me closing it. I cannot pay these companies 'estimates' because I cannot afford it. Plus I get my ESA fortnightly not monthly which causes hassles with monthly direct debit bills. It makes saving money/having money available for bills difficult for those on welfare benefit.

elsien

GregoryH wrote: »

The important thing for me at the moment is that the money is going straight to my Mum as that might slow things down a bit as far as the DWP is concerned. I may be able to reasonably claim that I had not received it personally until a permanent solution is found either way.
.

I think you need to be careful here. Once the executors have distributed the money then regardless of whether it's sitting in your account or your mums if the will leaves it to you it's still your inheritance and you will need to declare it.

nannytone_2

dont worry about 'staying in the system'.

even though your ESA will stop when you receive the inheritance, your claim will remain open and NI credits made.

let your mum 'hold' the money for you and pay you a fortnightly amount and continue to pay your large bills from it for you

you seem to think that because you are vulnerable, then the rules that apply for others shouldn't apply to you, but i'm afraid they do

xylophone

If your mother is holding the money on your behalf it is still your money and should be declared?

allison445

Could you not use the inheritance to purchase a flat ?

nannytone_2

Celifein wrote: »

Assuming there are flats at that price in his area, wouldn't this breach the deprivation rules, leaving him with no income and no savings?

no. buying a home to live in would be a valid way to spend the inheritance.
the problem being, it would also leave the OP with no money to maintain the property

missbiggles1

nannytone wrote: »

no. buying a home to live in would be a valid way to spend the inheritance.
the problem being, it would also leave the OP with no money to maintain the property

I think that someone who's already posted on here has found this not to be the case, despite making every endeavour to do so. Hopefully she'll confirm that directly before long.

WillowCat

nannytone wrote: »

no. buying a home to live in would be a valid way to spend the inheritance.
the problem being, it would also leave the OP with no money to maintain the property

That is correct, and if the inheritance is not enough to buy a property outright you could look at shared ownership schemes. HB would still pay the rent but you would have more security than as a private tenant.

gunsandbanjos

What exactly do you want to spend the money on?

You seem absolutely desperate to retain your benefits and use the inheritance as you want.

missbiggles1

WillowCat wrote: »

That is correct, and if the inheritance is not enough to buy a property outright you could look at shared ownership schemes. HB would still pay the rent but you would have more security than as a private tenant.

As in my post above, you really can't say that so confidently to someone.