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Paying rent ahead when on UC

Hi, my mum has money and health problems and my aunt has offered to pay her council rent until the end of the year to give her some breathing space. Will this affect the amount of UC she receives? She receives her regular payment plus the amount of rent, will she still receive this if her rent is in credit by so much?

Thanks
MFW -
House purchase £62500
Original mortgage balance 28/08/2014 £52850
Original MF date: 2049:eek: Aiming for: 2025
Balance 27/07/2016 £49990
Balance 08/07/2017 £47999
Balance 30/07/2018 £44500
Balance 01/08/2019 £40700
Balance 03/09/2020 £37619
Balance 30/09/2021 £33983
Balance 18/01/2023 £28940
Balance 06/10/2024 £22168
Balance 08/10/2025 £18417


Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳

Comments

  • It might be simpler for her to give the equivalent in cash every week as a "gift".
  • My mum feels very embarrassed about receiving help so I thought my aunt paying it in one go would get it out of the way, plus I couldn't be 100% confident my mum would spend it on the rent :o
    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • NedS
    NedS Posts: 5,300 Ambassador
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    It potentially opens up problems. Firstly she is claiming rent on UC on the basis she is legally liable for that rent. If someone else has already paid the rent, is it reasonable to claim benefit for something she is not paying?


    Secondly, the help from the aunt could be classed as unearned income and deducted pound for pound from her claim.


    As above, why not just gift her some money. Far simpler all round.
    I am a Forum Ambassador and I support the Forum Team on the Benefits & tax credits, Heat pumps and Green & Ethical MoneySaving forums. If you need any help on those boards, do let me know. Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
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  • Thanks, I thought it could be problematic. My mum is resisting taking the help at the moment as she finds it so embarrassing. Maybe if my aunt set up a standing order for the rent each week?
    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • NedS
    NedS Posts: 5,300 Ambassador
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks, I thought it could be problematic. My mum is resisting taking the help at the moment as she finds it so embarrassing. Maybe if my aunt set up a standing order for the rent each week?


    Same issue, it's then either potentially fraudulent to claim rent under UC which she isn't paying or those weekly payments could be treated as unearned income. Either way, if the rent is coming from somewhere else then it's not reasonable to expect UC to "pay" it as well. The issue here is associating the "help" with the "rent".
    I am a Forum Ambassador and I support the Forum Team on the Benefits & tax credits, Heat pumps and Green & Ethical MoneySaving forums. If you need any help on those boards, do let me know. Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
    Our green credentials: 12kW Samsung ASHP for heating, 7.2kWp Solar (South facing), Tesla Powerwall 3 (13.5kWh), Net exporter

  • TELLIT01
    TELLIT01 Posts: 18,612 Forumite
    Part of the Furniture 10,000 Posts Name Dropper PPI Party Pooper
    I'm not convinced that NedS interpretation of the situation is correct. The mother is still legally responsible for paying the rent and would therefore seem to be entitled to the equivalent of HB support on UC. UC pay the money for rent to the claimant but does nothing to ensure that money is actually paid to the landlord.
    If it can be arranged, the best solution would be for the rent to be paid direct to the council for a period, and for the friend to help out the mum as and when required.
  • calcotti
    calcotti Posts: 15,696 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi, my mum has money and health problems and my aunt has offered to pay her council rent until the end of the year to give her some breathing space. Will this affect the amount of UC she receives? She receives her regular payment plus the amount of rent, will she still receive this if her rent is in credit by so much?

    Thanks

    It will not affect her UC. If she is named on the tenancy she is liable for the rent and is entitled to help with it. Gifts of money are ignored as income for UC.
    Information I post is for England unless otherwise stated. Some rules may be different in other parts of UK.
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