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  • FIRST POST
    • Col81
    • By Col81 15th May 18, 2:59 PM
    • 69Posts
    • 2Thanks
    Col81
    Credit rating causing my a big problem
    • #1
    • 15th May 18, 2:59 PM
    Credit rating causing my a big problem 15th May 18 at 2:59 PM
    Hi, I own a property and all my details are registered their. My driving licence, bank, passport etc. My mum has lived in the property for around 10 years on her own and claims housing benefit which the council are fine with and she pays that to me towards the mortgage. I have lived all over the place various friends/familys/partners houses and have never registered anywhere for council tax. My mum gets the single persons rate at the house i own.



    The problem is i need to register on the voters roll at the house i own in order to get credit but i do not live their. What implications will this have on me or my mum? i am worried as i have never paid council tax to anyone but have stayed all over the place. Please advise my best option? Thank you
Page 1
    • Gary_Dexter
    • By Gary_Dexter 15th May 18, 3:14 PM
    • 1,758 Posts
    • 1,014 Thanks
    Gary_Dexter
    • #2
    • 15th May 18, 3:14 PM
    • #2
    • 15th May 18, 3:14 PM
    You need to register for the address you currently reside it.
    • Col81
    • By Col81 15th May 18, 3:17 PM
    • 69 Posts
    • 2 Thanks
    Col81
    • #3
    • 15th May 18, 3:17 PM
    • #3
    • 15th May 18, 3:17 PM
    Hi, i don't have a full time address my mum lives in one town, my partner in another, my dad in another and i work away a lot in a major city and stay mainly in hotels so i don't have a fixed abode. If i do register at m mums the question is what happens to my mum and the fact ive never paid it? most places i stay pay full council tax anyway
    • BoGoF
    • By BoGoF 15th May 18, 3:52 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    • #4
    • 15th May 18, 3:52 PM
    • #4
    • 15th May 18, 3:52 PM
    You can't have it both ways. If you register at your mums house (the one you own) then she is likely to lose single persons discount and possibly housing benefit.
    • Col81
    • By Col81 15th May 18, 3:58 PM
    • 69 Posts
    • 2 Thanks
    Col81
    • #5
    • 15th May 18, 3:58 PM
    • #5
    • 15th May 18, 3:58 PM
    Why will she lose housing benefit? i dont live their? and why should i be expected to house my mum? i already do and the fact i have put a roof over her head for years has cause me issues the mortgage is 600 a month and i get 350 off the council so it costs me to keep her housed
    • BoGoF
    • By BoGoF 15th May 18, 4:00 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    • #6
    • 15th May 18, 4:00 PM
    • #6
    • 15th May 18, 4:00 PM
    As was explained above you need to register at the address you live at so if you do register at your mums you are effectively saying you live there.....so no single person discount.
    • BoGoF
    • By BoGoF 15th May 18, 4:04 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    • #7
    • 15th May 18, 4:04 PM
    • #7
    • 15th May 18, 4:04 PM
    And it seems you expect the council to pay 350 per month towards your mortgage and are happy to pay no council tax.

    Hope you are declaring the rental income to the taxman?
    • Col81
    • By Col81 15th May 18, 4:04 PM
    • 69 Posts
    • 2 Thanks
    Col81
    • #8
    • 15th May 18, 4:04 PM
    • #8
    • 15th May 18, 4:04 PM
    Why would it effect housing benefit if i register? that in effect says a son should pay for a mothers upkeep.
    • Col81
    • By Col81 15th May 18, 4:06 PM
    • 69 Posts
    • 2 Thanks
    Col81
    • #9
    • 15th May 18, 4:06 PM
    • #9
    • 15th May 18, 4:06 PM
    my mortgage is 600 a month so i hardly profit do i!!!!!!!!! anyway wasting my time here no helpful answers.
    • BoGoF
    • By BoGoF 15th May 18, 4:08 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    You obviously dont realise that when it comes to tax you cannit claim the full mortgage cost.
    • Col81
    • By Col81 15th May 18, 4:09 PM
    • 69 Posts
    • 2 Thanks
    Col81
    Oh yes and it is interest only the mortgage!!!!!!!!!!!
    • bigisi
    • By bigisi 15th May 18, 4:11 PM
    • 303 Posts
    • 525 Thanks
    bigisi
    I think your exclamation mark key is broken. It might just be a bit of dirt making it stick.
    • Col81
    • By Col81 15th May 18, 4:12 PM
    • 69 Posts
    • 2 Thanks
    Col81
    Lot of people on here trying to be clever presuming other people don't know the facts.
    • Gary_Dexter
    • By Gary_Dexter 15th May 18, 4:19 PM
    • 1,758 Posts
    • 1,014 Thanks
    Gary_Dexter
    Facts?

    OK - so tell us which address you need to register for the ER on please?
    • BoGoF
    • By BoGoF 15th May 18, 4:20 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    So what address are your credit cards registered at?
    • MEM62
    • By MEM62 15th May 18, 4:26 PM
    • 1,661 Posts
    • 1,281 Thanks
    MEM62
    Oh yes and it is interest only the mortgage!!!!!!!!!!!
    Originally posted by Col81
    If you are not resident and effectively renting the property to your mother then I would assume that you have a BTL mortgage? If that is the case then having the property as your residence may cause you issues with your mortgage lender. (They are known to check from time to time)
    • Col81
    • By Col81 15th May 18, 4:31 PM
    • 69 Posts
    • 2 Thanks
    Col81
    no it isnt a buy to let mortgage ive had the mortgage for 15 years and it is interest only. Look guys i am after advice thats all not a argument i can have one of them anytime with my partner...... credit cards registered at my mums but my credit score is 60 and ive been told if i go on the electoral roll it will go up and i can then lease a car
    • Col81
    • By Col81 15th May 18, 4:33 PM
    • 69 Posts
    • 2 Thanks
    Col81
    600 sorry typing error again
    • Gary_Dexter
    • By Gary_Dexter 15th May 18, 4:40 PM
    • 1,758 Posts
    • 1,014 Thanks
    Gary_Dexter
    No one sees your credit score or rating - whomever told you to get on the ER purely to boost your score doesn't know what they are talking about - fact.

    It may help with your eligibility though - have you tried already and been declined?
    • BoGoF
    • By BoGoF 15th May 18, 4:41 PM
    • 3,339 Posts
    • 2,673 Thanks
    BoGoF
    You have been advised on another thread that scores are meaningless. Sorry to be blunt but based on your other threads the last thing you need is more credit. What happened to the DMP?
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