Buying A Home Or Private Renting? Which Is The Best Option?

System

IAmWales wrote: »

You could have had a week in the Maldives for the cost of your holiday.

What's the Maldives?
What part of England is that?

cashbackproblems

annbarbs wrote: »

What's the Maldives?
What part of England is that?

Its near cornwall on the coast #trollalert

System

cashbackproblems wrote: »

So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support

I can't work. I because have got mental health problems.

And I don't get a lot of benefits.

My benefits have been reduced because of my inheritace.

I don't get Housing Benefit or Council Tax Benefit anymore. And my ESA has been cut down to Contribution Based ESA.

My DLA is still the same as before. But because my Housing Benefit has been stopped because you cannot get it when savings go over 16k as mine now have.

And the £214 a week I get from both my DLA and Reduced ESA although it does cover my rent. Because I am using that to pay my rent. It is not enough to live on so I have to draw out of my savings each week.

So the reduced income I get is hardly enough to support me alone.
So I am using some of my inheritace to pay some of my bills and food.

Sure I will get my housing Benefit and Full benefits back again when my savings fall bellow 16k But that won't be for a very long time.

My inheritance has given me Independence.

As I now have choices and don't have to worry about not being able to afford the bills and things.

But because I cannot work and cannot get full benefits because my savings are over 16k.
I have to live off some of my inheritace. So my money won't last me the rest of my life.
So one day I will have to go back on HB and full benefits again when it runs out.
Not for a long time I hope but it will happen one day.

But even if I could work which I can't. I would not get much more money than what I get now with my benefits.
Because you don't get HB if you are working either.

So I would still have to pay the rent myself and dip into my inheritace.
Because even a wage of £250 after you have paid your tax is not going to cover all of the £603 a month rent that I pay.

So I would still have to dip into some of my savings.
Or rent something cheaper like a furnished room.
But that's not so nice.

So a person who is working would be no better off than me.

But I can't work so that is not an option for me.
Because I am to ill to work.

Red-Squirrel_2

cashbackproblems wrote: »

Its near cornwall on the coast #trollalert

I hope not because from looking back at last threads it looks like a lot of people have taken a lot of time to help this lady, but that does seem rather far fetched, doesn't it?

altojack

cashbackproblems wrote: »

So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support

I would suggest you read from the start of this thread, or one of OPs other threads. She has MH problems and cannot work.

As for complaining about having to use her inheritance, no she isn't, she's struggling to make the right decision of buy or rent. Both of which would be wrong for her without support.

annbarbs and I have talked into the night many, many times. At least we found her a wonderful GP, it's taken many months. We're now on the ladder of getting MH support through her GP.



Now, annbarbs, please stop the talking to everyone who will listen, you're not supposed to be mentioning the amount, no wonder the cleaners liked you.

Please get yourself home so I at least know you are safe in the flat. I'd come and get you myself but can't drive that distance yet due to ongoing knee injury.

You've got me worried sick as you didn't actually say you'd booked up to go, probably because you knew what I'd have to say about it.

seashore22

annbarbs wrote: »

What's the Maldives?
What part of England is that?

I was giving the op the benefit of the doubt (despite the deafening alarm bells) until now, but I think we know where we stand now.

Some posters have been very kind and patient, but I hope this isn't thrown back in their faces, again.

IAmWales

seashore22 wrote: »

I was giving the op the benefit of the doubt (despite the deafening alarm bells) until now, but I think we know where we stand now.

Some posters have been very kind and patient, but I hope this isn't thrown back in their faces, again.

I think annbarbs has said they have an autistic spectrum condition. Their postings and their behaviour (over thinking, over telling, vulnerability) are symptomatic of this. They become fixated on things, including things which may seem very trivial to others.

Imagine watching a tv show and seeing something/ someone you'd like to know more about. You might make a mental note to have a quick Google later and watch the rest of the show. You may or may not bother to look it up later. Someone on the spectrum will pause the show and research that point in depth, for hours or days. They'll quite possibly forget about the show, because their focus has become intently fixed on that one very narrow point.

(That won't be the case for everyone on the spectrum, it presents itself in different ways, but is the kind of behaviour the OP shows.)

System

altojack wrote: »

I would suggest you read from the start of this thread, or one of OPs other threads. She has MH problems and cannot work.

As for complaining about having to use her inheritance, no she isn't, she's struggling to make the right decision of buy or rent. Both of which would be wrong for her without support.

annbarbs and I have talked into the night many, many times. At least we found her a wonderful GP, it's taken many months. We're now on the ladder of getting MH support through her GP.



Now, annbarbs, please stop the talking to everyone who will listen, you're not supposed to be mentioning the amount, no wonder the cleaners liked you.

Yes I do have MH problems and there is no way I can work. I have always been on disability benefits because I have never been able to work. That is the truth.

I would rather not use my inheritace to pay the rent.
It would have been better if Housing Benefit would pay at least half or some of the rent to people whose savings are over the limit.

But they don't. The law is that when your your savings go to 16k or over HB stops because you are not entitled to it.

Although some other benefits like DLA, PIP and Contribution Based ESA are not means tested.

Housing Benefit is so you don't get any Housing Benefit once your savings go over 16k.
So I thought if I moved up here I would save more of my money because I would find somewhere cheaper to rent.

And because I might get more support up here and find a better life.

But I have now found out that I was wrong.



Rents in Liverpool are not much different to what I pay with my HA. Only 150 or £100 less which isn't much. So I won't save any money.
And by the time I have paid removal van fees which include overnight storage to come here which is £3000 plus deposits for the private flat which are about £2k.

Especially if I have to keep moving every year or so because the landlord or letting agent wants me out or is selling the property.

That's another 1 or 2k because you have to pay a new deposit every time you move to another private flat. No landlord is going to let you in without a deposit.
And there is the removal van fees again.

And I might not get CMHT support up here either.
Or I might get a health trust that is really horrible.
And I might not get a very nice GP either.

My GP is very supportive and she thinks I should have a keyworker from the CMHT.
But the CMHT say I don't meet their criteria.

But there are other MH support services in my area and my GP has refereed me to the NHS counselling.
But even if I don't find any other support in my area I have still got my GP. And my GP has told me she will support me with my benefits when they come up for review.
So I have got nothing to worry about there.

The main reason I wanted to be with the CMHT was because I was worried that if I never had the CMHT it would effect my benefits and they would be stopped.

But my DLA and ESA have been reviewed before when I only had the GP and I still got them.

My ESA was reviewed 2 years ago when I only had the GP and I still got it.
All the DWP do is just write away GP and my GP told them my care needs and everything and that I am not fit for work.
And I got my benefits. So you don't have to be under the CMHT to get DLA/PIP or ESA.
Many people have got their benefits with just the GP. AS long as the GP says you have the illness and care needs that's who they take notice of.
And my EX- CMHT Social worker said she will still do me a supporting letter when my benefits are reviewed. And my GP has also told me she will. If I want one.

But you don't need to put a letter in the claim pack because the DWP write to you GP or psychiatrist if you have one anyway.

Even if I did have a psychiatrist from the CMHT a psychiatrist will only see you once every 3 or 6 months. So I still would be seeing more of my GP anyway. A

And the can still write to the GP if they want to or of you are not seeing the psychiatrist very much. So being with the CMHT is not going to make much difference regarding my benefits.
As they will still write to the GP but my GP is supportive so there is no problem.

Yes I am safe up here. I am NOT putting myself at risk at all.
I am in a nice hotel and when I go out I just go to the shopping areas. Then go back to my hotel.
The same as every other visitor here does. There is nothing wrong with that.

It's just that I am wasting my time and my money staying here because I am not getting what I want.

I have found out that Liverpool is not the right place for me to live and Manchester is not either.

Manchester is the last place I want to move to. It is not suitable for me at all or for anyone else for that matter.

As I have said before, Manchester is a very impersonal and rough worse than London in some areas.

The people here are less friendly than London and the health trusts are not very good here.

And the rents here are £650 plus as much as £800 a month or more. So I won't find a private flat for less than that.
NO WAY.

Not in Manchester, not in Greater Manchester or in any of the areas here.
Nope.

I have said it myself.

Annbarbs wrote:

I am looking at it now that I don't have any problems with my flat or my HA. Or with my health trust.
Although my CMHT won't give me a keyworker I have not had any problems with them.

And I have got a nice flat that is in a good area with an understanding HA and nice neighbors.
And it is secure.

And I know have a very caring GP.

So why do I want to move and spend most of my inheritace on a bought property and leave all of that?
If I don't have any problems there?

I don't think I should.
I think I should stay where I am in my HA and my area because I am happy there and don't have any problems there.

But if I moved up here to Liverpool or Manchester I can promise you I will have many problems.
Both with the landlord or letting agent and I might not even get a nice health trust as I said.
So my advice to myself is don't move up here.
Forget it and stay where you are-or I am in Essex.

ViolaLass

Annbarbs, the point isn't whether you should move to Manchester, the point is that you shouldn't move.

Embrace the fact that you have your inheritance and use it to improve your situation - ask your GP what services you could pay for that might help you to manage better.

System

ViolaLass wrote: »

Annbarbs, the point isn't whether you should move to Manchester, the point is that you shouldn't move.

Embrace the fact that you have your inheritance and use it to improve your situation - ask your GP what services you could pay for that might help you to manage better.

No I should NOT move To Manchester.
That would be the worst thing I could do.

Manchester is not a very nice place.
As we said it is a hard city and a lot worse than London.
And the health trusts are not very good here.

But I know that and I would not be so stupid as to move here.

I am not so desperate to move that I am going to move to Manchester.
NO WAY.


And I don't think that Liverpool is the right place for me to move to either. These places are alright to visit as a tourist but no good to live.
Not for me anyway.
Well Manchester is not for anybody. I would not advice anyone to move to Manchester.

I don't think I need to move because I have not got any problems where I am.

But if I really must move I should either use my capital to buy a place or try to get a home exchange from my HA.
Not go into private rented.

Which as we know has risks the major risk is finding myself homeless if the landlord or letting agent throws me out.

And also that the landlord or letting agent might not maintain the property as many of them don't.

If I get a private flat I could as people here have warned me about find myself moving from flat to flat every 2 years.
And every time I move I would have to put down a new deposit.

And how am I going to do that when my inheritace runs out and I have to go back on HB and full benefits again?

I won't be able to.
And I would have to go back to the Council and they might put me somewhere I would not like.
Such as another temporary flat or even a bed and breakfast.


Also if I did not meet the criteria for CMHT Support in Liverpool the Council might say I am not with the CMHT or a psychiatrist, I am not vulnerable.

Because I am not ill enough so not a priority need.
And put me in bed and breakfast or accommodation that is unsuitable for me.

They would of course be wrong, and there are ways to fight it, and challenge the Councils decision with either a Housing or MH Solicitor or going to the CAB.

But if that were to happen to me I would be stuck. It would cause me a lot of distress.

Even now with my inheritace although if I were to be evicted by a private landlord I would have the money to rent somewhere else.

But my inheritace won't take away the stress of being evicted. And having to find somewhere else before my eviction notice ran out.

And people have told me that some landlords don't always give you 2 months notice.

I know this myself because my landlord that evicted when I had to go to the Council for help, did not.

So the Council had to find me a temp flat very quickly which they did.

I was lucky because my Council and Health trust are good to me.
They and the CMHT helped find me the temp flat and they found me this HA flat I have now which is permanent.
It is an assured tenancy that is indefinably.
Which is a home for life.

But if I leave the HA to move into private rented if I became homeless again I might not be so lucky.

Not all Councils and Health trusts are like my area's.
Some are not very caring and not all will help or give much help if you find yourself homeless or in need or support.


One or the other is bound to happen when eventually my inheritace runs out as it will do in the far future.

Also if I were to be evicted from a private flat now and could not find other accommodation.

If I did go to the Council they would put me in a temp flat. I would find myself paying about £2000 a month or more out of my inheritace.

Because I cannot get HB because of my savings and rents are always very high with temp council flats.
Because the Council leases it from the landlord and letting agents they have contracts with.

So I would have to pay all that £2000 a month rent out of my savings and that will eat up most of my inheritace.
And I don't want that.

So the right thing to do is to stay in my HA flat in my area.
As we have said.
Because I don't have any problems there so why move and take a chance that if I go somewhere else I might have problems?
There is a saying if it isn't broken then don't fix it!