Voters roll big problem

Col81_2

Ok, I have a mortgage on my mums house she claim esa and housing benefit. I am 35 have lived away from my mums for 10 years I have never registered anywhere to pay council tax so have never paid it I have moved around friends and partners house. Everything of mine bank, passport, d licence etc is all at my mums address. The issue is I cannot obtain credit as I am not on the voters roll if I join the voters roll at my mums how will this affect her housing benefits and esa payments?? This issue is holding me back I am scared of joking the roll then my mum losing benefits. It seems I am being punished for helping my mum with a roof over her head

Rothstein

You can register on the electoral roll at two addresses, it's only illegal to vote twice

Find a stable address, register and move all your info there, apply for suitable card, Aqua is first choice, Vanquis second , may as well apply for the second if you get the first !!

Register at your "mums" and you run into problems with her paying rent to you....be careful

Col81_2

My mum gets £360 a month housing benefit and I take £150 off her and she keeps the rest so what's the issue with that? Surely I can register. I have capital one card now

Rothstein

I can't advise on the benefits system sorry, I'm on your side for sure
i believe renting to relatives can cause issues

if you have capital one try Aqua soft search, and Vanquis ?

Alter_ego

Col81 wrote: »

My mum gets £360 a month housing benefit and I take £150 off her and she keeps the rest so what's the issue with that? Surely I can register. I have capital one card now

I think they call the issue FRAUD!

Col81_2

No im in a position to help her as she has little money so I do. Well I will take £360 then from now on. I am just being a nice son. When we did housing benefit forms we put down I was her son

loonywitch

Given that it's the Local Authority manage the electoral roll & the Local Authority that issue housing benefit, I'd say it's likely affect it.

And if your mum is claiming housing benefit for the amount of £360 but doesn't actually need to pay that amount, yes that would be fraud. It may seem like you're being considerate but the Local Authority wouldn't see it like that

Ben8282

You say you are 35 years old and are unable to obtain credit.
YOU HAVE A MORTGAGE ON YOUR MUM'S HOUSE.
Please clarify ......

Col81_2

I got the mortgage 15 years ago when i did live their and was on the votors roll. If i put myself on the council tax at my girlfriend will they not ask me why i havent paid council tax for all this time? i do not want a 15 year bill!!!

antrobus

Col81 wrote: »

I got the mortgage 15 years ago when i did live their and was on the votors roll. If i put myself on the council tax at my girlfriend will they not ask me why i havent paid council tax for all this time? i do not want a 15 year bill!!!

Council tax is a property tax. It is paid by whoever occupies the property. Presumably your mother has paid the CT on her house over the past decade

Col81 wrote: »

My mum gets £360 a month housing benefit and I take £150 off her and she keeps the rest so what's the issue with that? ...

The potential issues would be;

(1) What amount has your mother said she was paying in rent in her HB claim?

(2) What amount have you told HMRC you were receiving in rental income?

Col81_2

She has said she pays £88 a week, which is no issue i can take £88 a week off her going forward. I have not told HMRC anything i thought you could get £7500 a year without a issue i also pay a £385 a month mortgage and this is interest only on the property. thank you for your help