Inocme support and cares ????????

Shaun_adams

I live in bently how do I buy a ford mondao car or van on finance, my girlfriend is call joanne and she has been on income support could some help

lil_me

If the car is on finance it wouldn't belong to him until it was paid for but there is also the fact that the person who is paying the finance should keep the car in their name until the HP is paid, therefore the insurance should also be in his name.

If someone pays for something for you (car payments and iinsurance) it's the same as giving you money IIRC with income support therefore will be deducted £ for £ when you declare it.

It may be best to seek advice from the DWP before going ahead with this

~Chameleon~

lil_me wrote: »

If the car is on finance it wouldn't belong to him until it was paid for but there is also the fact that the person who is paying the finance should keep the car in their name until the HP is paid, therefore the insurance should also be in his name.

If someone pays for something for you (car payments and iinsurance) it's the same as giving you money IIRC with income support therefore will be deducted £ for £ when you declare it.

It may be best to seek advice from the DWP before going ahead with this

The OP never mentioned finance or car payments, he said "He will be paying the dealer the money straight from his bank and the insurance. the car is £11999 and the insurance is £2500." which as I understand it means he is paying the total amount outright.

Surely in the circumstance the DWP cannot penalise or deduct from benefits if someone gifts you an item from which you will not benefit financially?

Mojisola

He doesn't need to put the car in your name. If you are to be the main driver then you need to be insured in your name but you do not need to be the owner of the vehicle.

lil_me

Sorry Chameleon I missed that bit, but I am unsure if the OP means he'll be making finance payments or the full amount directly from his account. As for how it'll effect as a gift, any substantial gifts a claimant should take advice for. Paying for something for someone is classed as supporting them. If say I was on income related benefits, someone wanted to give me some money, they could buy something for me instead which I could then sell? See what I am getting at here?

If the benefit office had a report that a claimant was living beyond their means they would invstigate (possibly someone would be jealous that someone on IS had a nice shiney car) Then of course it would have to be explained where it came from and why.

Keeping the person donating the car as the registered owner may be advisable in this case. It would also help to get a written agreement as to what is expected in return and when they car is sold. Ok it's family but that wouldn't stop it getting complicated.

I am just talking from experience in similar cases over the years, that sometimes a gift of say a car etc can be seen as a cash gift. One situation just involved a mother buying food for her son but was seen as financially supporting him by buying things for him. It's always best in these cases to get word directly as to where you stand.

Shaun_adams

Thanks for you reply

lil_me

Ask them for a reply in writing that it will not have any effect on your benefit, then allow your father to proceed with the purchase, therefore if investigated you have that to show them and you will have it agreed before the purchase is made which would then provide assurance for yourself that everything is ok with them. I would suggest that it would be best for your Dad to keep the car registered in his name. We live in a society which is jealous, where if someone is unhappy about what someone else has they will go out of their way to do something to make things difficult for them.

Helen819

QUOTE;lil_me;
I am just talking from experience in similar cases over the years, that sometimes a gift of say a car etc can be seen as a cash gift. One situation just involved a mother buying food for her son but was seen as financially supporting him by buying things for him. It's always best in these cases to get word directly as to where you stand.


I didnt know you couldnt help out other members of the family,or am i getting it wrong by wot you mean.My daughter is on jsa,and im on income support,she doesnt live with me ,she has her own flat,but i reguraly buy her food,i have it delivered to her flat for her.Also her grandmother aslo buys her food every week or so,to help her out,plus she regulary gives her money to put on her gas/electric card if she has run out.We cannot see her with -out food or the means to keep warm,i am not rich myself and i do go without so she can get this stuff.where do we stand then.Thankyou.H
Today 8:53 AM