What do I do about my house?

sparky130a

Mr_Costcutter wrote: »

Why would you be offended by what the OP said? None of us know exactly how the CAB resonded to the OP and it may have been very disappointing. Sorry, but I don't understand your point at all.

Because CAB is voluntary. And on a limited budget, and always aimed to it's demographic.

That's why.

nimbo

alihud wrote: »

£35,000 wouldn't get me a flat would it? Also if I had to start claiming esa once my inheritance had gone wouldn't they make a fuss about me using the money from the house to buy somewhere instead of living on it. Also if I stayed in the house and my son started an apprenticeship surely they would take his earnings into account wouldn't he have to pay the mortgage?

Yes for some benefits - once a child turns 18 their are expected to have an income and this is expected to help to support the household. Even if the income is benefits.

No your son would not have to pay the mortguage. the debt / mortgage is yours. If you became unable to pay the bank could start the repossession process.

Oh this all feels so complicated.
Also yes the house would have to be paid for at some point I'm not sure how long I have left on the mortgage,I'm thinking it's about 17 years to go. I have no funds left to pay for it as my parents inheritance was meant to pay for it but because I became unwell I have had to live on it instead.

you're going to have to consider Selling the house - unless you have a plan to come up with the required payment in ?17? odd years anyway. You're currently saying the 28k will support you for 12 months. Once that's gone you'll be scuppered. Realistically the mortguage is the mill stone - that benefits won't cover at all (or at least not in the way that matters). Rent to a certain amount would be covered. At least if you start looking now you'll have money to help you move.

Buying - If you were to downsize - could you consider a different area? Where could that be? There will be places you will get more bang for your buck - but they may not be places you wish to live or have connections with.

When it comes to claiming esa for some componeamts I *think* you can claim with savings. It's worth looking at - if you meet the criteria.

nimbo

alihud wrote: »

£35,000 wouldn't get me a flat would it? Also if I had to start claiming esa once my inheritance had gone wouldn't they make a fuss about me using the money from the house to buy somewhere instead of living on it. Also if I stayed in the house and my son started an apprenticeship surely they would take his earnings into account wouldn't he have to pay the mortgage?

Yes for some benefits - once a child turns 18 their are expected to have an income and this is expected to help to support the household. Even if the income is benefits.

No your son would not have to pay the mortguage. the debt / mortgage is yours. If you became unable to pay the bank could start the repossession process.

Oh this all feels so complicated.
Also yes the house would have to be paid for at some point I'm not sure how long I have left on the mortgage,I'm thinking it's about 17 years to go. I have no funds left to pay for it as my parents inheritance was meant to pay for it but because I became unwell I have had to live on it instead.

you're going to have to consider Selling the house - unless you have a plan to come up with the required payment in ?17? odd years anyway. You're currently saying the 28k will support you for 12 months. Once that's gone you'll be scuppered. Realistically the mortguage is the mill stone - that benefits won't cover at all (or at least not in the way that matters). Rent to a certain amount would be covered. At least if you start looking now you'll have money to help you move.

Buying - If you were to downsize - could you consider a different area? Where could that be? There will be places you will get more bang for your buck - but they may not be places you wish to live or have connections with.

When it comes to claiming esa for some componeamts I *think* you can claim with savings. It's worth looking at - if you meet the criteria.

Mr_Costcutter

sparky130a wrote: »

Because CAB is voluntary. And on a limited budget, and always aimed to it's demographic.

That's why.

I still don't understand your point I'm afraid. The CAB do a fabulous job for most of the time, but there will be occasions (for whatever reason) when they get it wrong. Why anyone would take offence about the OP's comments is beyond me I'm afraid.

alihud

I'm just not well enough to work I'm afraid,I used to have a florist but I now have severe fibromyalgia,had it for 7 years now and it's very debilitating. I'm honestly feeling at the end of my tether with it all. I can't even see how a lodger would work in my house. Im sleeping on my sofa at the mo as I can't sleep in my bed because of pain,they could have the main bedroom I guess but I wouldn't know where to start with finding someone decent,if my son leaves I would feel very vulnerable on my own. Where would I stand legally with a lodger? I really don't feel well enough to deal with any of this
Also sorry about what I said about the cab it was just on one occassion they got it wrong but usually they are very good.