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Mortgage Interest Payment deducted from JSA?

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Having been on JSA for >39 weeks, I applied for Support for Mortgage Interest Payment. Today, I received two letters, dated the same day. The first one said that my JSA, that used to be £73.10 a week is now £107.66 a week. Yay, I thought, until I saw the second letter, which states that my Support for Mortgage Interest Payments is £100.39, and this is taken off my JSA.

Does this really mean what it says, that I'll get £107.66 but they'll send £100.39 straight to my lender, leaving me with £7.27 a week to live on and pay my bills?

Or are they trying to say, but failing, that my JSA has been increased to £107.66 (possibly due to service charge?) and on top of that they'll also pay my lender another £100.39 directly to go towards the interest on my mortgage?

Comments

  • poppy12345
    poppy12345 Posts: 18,882 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper
    I can't help with your questions but i can tell you that SMI finishes on 5th April 2018. This is being replaced by a loan that will need to be repaid when the house is sold.
  • silvercar
    silvercar Posts: 49,609 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    poppy12345 wrote: »
    I can't help with your questions but i can tell you that SMI finishes on 5th April 2018. This is being replaced by a loan that will need to be repaid when the house is sold.

    Depends on benefit situation.
    If you get another qualifying benefit
    Your SMI will be paid as a benefit if you get another qualifying benefit before 7 July 2017. You must have been getting the benefit for 39 consecutive weeks.

    It will be paid as a loan if you get the qualifying benefit on or after 7 July 2017.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
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