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  • FIRST POST
    archived user
    My Late Mum's Will-Worried My Solicitor might Keep My Money-Please Advise Me.
    • #1
    • 16th Jul 16, 11:56 AM
    My Late Mum's Will-Worried My Solicitor might Keep My Money-Please Advise Me. 16th Jul 16 at 11:56 AM
    My Mother died in November 2015 and I found out that she has left her house to myself and my 2 younger sisters in her will.

    My sisters and my self inherit a third of the house.
    So we each get a third of the money of whatever the house gets sold for.

    My mother left the house to the 3 of us-myself and my sisters.
    But my sisters are executives of the will not me.
    So although I inherit the estate I do not have executive rights.
    So I cannot sell the house or distribute the money because I am not an executor.

    I have got myself a Solicitor because I cannot talk to my sisters because they don't want to know me.

    And I understand that when the house is sold my sisters will send the money from the sale my share of it to my solicitor to give to me.
    Because I think my solicitor has instructed this.
    And I am very worried that my solicitor will keep the money for himself and not give it to me.

    I know this worry seems irrational to some people but I have mental health problems. Which causes me to worry a lot and also my sisters don't want any contact with me. So I cannot talk to them as they have made it clear they don't want to see me.

    But I was told by my solicitor that as a benefictor I have a right to receive the estate and inherit any money from it when sold. Because my mums has left the house to me as well as my 2 sisters.

    It says it cleanly in mums will of which I have a copy my Solicitor got for me. I inherit a third of the house.

    But at that time my sisters who are executives of the will would not sell the house. Because one of my Sisters Sister A was living there and was mum's carer.

    My other sister is married and has her own house but she did not want to sell it either.

    I posted a thread about this a few months ago which explains more-
    http://forums.moneysavingexpert.com/showthread.php?t=5413329

    And I got myself a Solicitor because I cannot talk to my sisters myself because they do not want any contact with me.

    My sisters have now put the house up for sale but that was only a month ago in June.
    My sisters put my mums house up for sale because my solicitor made them. But we did not have to take my sisters to court because my solicitor wrote to them and must have somehow talked them round to selling.

    The reason I am posting this thread is because I am very worried that when the house is sold my solicitor might not tell me and keep my share of the money from the house for himself and not give it to me.

    My Solicitor knows I have mental Health problems and that my sisters don't want any contact with me.
    Because I told him and that's why I got a solicitor.
    Because I cannot approach my sisters myself and my solicitor knows this.

    So I am very worried that when my mum's house does get sold and the money is paid( I think my sisters will send my solicitor the money) out my solicitor might keep my money for himself and not tell me the house has been sold.
    What can I do to avoid this happening.
    Please advise me.
    Last edited by annbarbs; 16-07-2016 at 12:06 PM.
Page 1
    • Mojisola
    • By Mojisola 16th Jul 16, 12:26 PM
    • 31,499 Posts
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    Mojisola
    • #2
    • 16th Jul 16, 12:26 PM
    • #2
    • 16th Jul 16, 12:26 PM
    [B]So I am very worried that when my mum's house does get sold and the money is paid( I think my sisters will send my solicitor the money) out my solicitor might keep my money for himself and not tell me the house has been sold.

    What can I do to avoid this happening.
    Originally posted by annbarbs
    It won't happen. Your solicitor is working well for you at the moment - at least the house is now up for sale.

    There's no reason not to trust him. It wouldn't be worth him risking his career by keeping whatever your inheritance amounts to.
    • Keep pedalling
    • By Keep pedalling 16th Jul 16, 5:51 PM
    • 6,900 Posts
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    Keep pedalling
    • #3
    • 16th Jul 16, 5:51 PM
    • #3
    • 16th Jul 16, 5:51 PM
    Although it has been known for solicisitors to run off with client money, this is an extreamly rare thing to happen, but even if it did the solicitors regulatory body the SRA have a compensation scheme for such rare events.

    It sounds like so far he/she I'd doing a good job for you. The house it up for sale and you are not facing expensive court costs, so please stop worrying and let things take there course.
    • theoretica
    • By theoretica 16th Jul 16, 9:13 PM
    • 5,987 Posts
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    theoretica
    • #4
    • 16th Jul 16, 9:13 PM
    • #4
    • 16th Jul 16, 9:13 PM
    Solicitors deal with large sums of their clients money all the time - does it help to know it is not at all unusual for them to handle house purchase and sale sums of money?
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
    • Mojisola
    • By Mojisola 16th Jul 16, 9:17 PM
    • 31,499 Posts
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    Mojisola
    • #5
    • 16th Jul 16, 9:17 PM
    • #5
    • 16th Jul 16, 9:17 PM
    Solicitors deal with large sums of their clients money all the time - does it help to know it is not at all unusual for them to handle house purchase and sale sums of money?
    Originally posted by theoretica
    And that the money will be paid into an separate account specifically for holding client's money?

    It won't just get mixed up with the firm's general business account.
    • Tuesday Tenor
    • By Tuesday Tenor 17th Jul 16, 2:01 AM
    • 974 Posts
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    Tuesday Tenor
    • #6
    • 17th Jul 16, 2:01 AM
    • #6
    • 17th Jul 16, 2:01 AM
    And that the money will be paid into an separate account specifically for holding client's money?

    It won't just get mixed up with the firm's general business account.
    Originally posted by Mojisola
    Wouldn't it be even more likely that the executors would write the cheque in AnnBarbs name anyway? It will be sent to the solicitor due to the executors not wanting to contact her directly, but then solicitor would pass it on to AnnBarbs.

    AnnBarbs will get an invoice from the solicitor for the work they've done in contacting executors etc. Seems money well spent to get the execs moving, and moving correctly.

    Well done AnnBarbs, you've done exactly the right thing getting this clearly very competent solicitor to work on your behalf.

    From a stalemate situation you have moved to what is now a straightforward process: waiting for house to sll, the estate to be sorted out and the beneficiaries to be paid their inheritance.

    Why don't you ask your solicitor how they would expect the funds to be received, in your name or theirs? Even if I'm wrong and they would normally arrange a transfer into their own 'clients' account, perhaps they would be happy to take an instruction from you to request that the executors send the cheque in your name? Would that reassure you?

    I really don't think you need worry though.
    The risk of you having found a rogue solicitor is minuscule.
    It's you mental health issues that are getting the risk out of proportion and fearing the worst.
    Relax! It will be fine!
    • Robin9
    • By Robin9 17th Jul 16, 5:04 AM
    • 4,841 Posts
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    Robin9
    • #7
    • 17th Jul 16, 5:04 AM
    • #7
    • 17th Jul 16, 5:04 AM
    I am pleased to hear that the sale of your Mum's house is proceeding - when you were on the forum earlier this year you were very concerned.

    As others have said - relax and let your professional solicitor do his work.

    Hopefully that SOLD sign will go up very soon.
    • Mojisola
    • By Mojisola 17th Jul 16, 9:28 AM
    • 31,499 Posts
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    Mojisola
    • #8
    • 17th Jul 16, 9:28 AM
    • #8
    • 17th Jul 16, 9:28 AM
    And I understand that when the house is sold my sisters will send the money from the sale my share of it to my solicitor to give to me.

    Because I think my solicitor has instructed this.
    Originally posted by annbarbs
    Wouldn't it be even more likely that the executors would write the cheque in AnnBarbs name anyway?

    It will be sent to the solicitor due to the executors not wanting to contact her directly, but then solicitor would pass it on to AnnBarbs.
    Originally posted by Tuesday Tenor
    Usually - but it sounds as if different arrangements have been made in this case.
    • FreeBear
    • By FreeBear 17th Jul 16, 11:52 AM
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    FreeBear
    • #9
    • 17th Jul 16, 11:52 AM
    • #9
    • 17th Jul 16, 11:52 AM
    And I am very worried that my solicitor will keep the money for himself and not give it to me.
    Originally posted by annbarbs
    If the money is paid to him directly, then he will certainly keep a substantial sum for himself. This will be to cover his fees for all the letters he has written on your instructions and any additional work he has had to do. Exactly how much his final bill will be, no one knows - It will depend on what your agreement was, his scale of fees, and whether he had to engage any other professional on your behalf.

    You will end up with some money out of this mess - Probably no where near as much as you hoped for once all the legal fees on both sides have been settled. And yes, your sisters' legal bill (or rather, a third of it) will come out of your share as it will be an expense incurred by the executors.
    Her courage will change the world.

    Treasure the moments that you have. Savour them for as long as you can for they will never come back again.
  • archived user
    I think you are right.
    My solicitor would have a lot to loose if he kept my money for himself.
    That's fraud and stealing and he would be sent to prison and would never be allowed to practice as a solicitor again.
    So it is unlikely to happen.

    But I worry about it.

    The house is up for sale for 280k and my mother also had 77k in savings.Of which we each get a third of as well.
    Which is 25 thousand pounds each.
    So as well as our third of the sale of the house which is 93 thousand pounds I and my sisters each get 25k.
    Which is 118 thousand pounds in total that we each will get if you include the 25k in addition to the 93k from the sale of the house.

    But of course there will be my solicitors fess.
    My sisters are selling the house without a solicitor but my solicitor said we each have to pay the estate agents fees for selling the house.
    Which is a third each as one poster says.
    So I obviously won't take home 118 thousand pounds but it could still be at least 100 thousand depending on what the house gets sold for.

    I was not very close to my mum. And as my ex-social worker said-My mum could have cut me out of the will and left everything to my 2 sisters but she didn't.
    So she must have loved me even if she did not show it very much.

    But at the same time the inheritance has put me in a dilemma.
    Because I am on benefits and cannot work because of mental health problems.

    So once I get my money all of my benefits, my Housing Benefit, Council Tax benefit will be stopped.
    Because once your savings go over 16 thousand pounds you are not entitled to HB ,CT benefit or ESA.
    DLA as far as I know is not effected by savings so I don't think that will stop.

    But my DLA is only 104 a week-High rate Care and Low Mobility Rate.
    And that's not going to cover all my rents and living expenses.
    And it gets worse.

    My rent for my Housing Association Flat is 140 a week. But my HA charges per calendar month. So I will have to pay 608 per month plus my bills and CT.
    And that will eat up my inheritance more quickly.
    Also my Housing Association are not maintaining the property.

    I have an ongoing repair problem which my housing association refuses to fix for me despite the fact that I have told them about it and my many phone calls to them for the past 2 months since I have had this problem..
    The gutter pipe on the outside roof of my building is broken and every time it rains the water pours down the outside wall of my bedroom Window.
    Making my outside wall damp.
    And I told my Housing Association the problem and I told them that if it is not fixed the water will eventually come into my flat and make my walls dam.But they won't fix it and every time I phone them or go to the office in person.
    they don't do anything about it and they won't give me a time or date as to when they will fix it.
    I have had this same problem before when in August 2014 it happened the outside gutter/roof was leaking and they did not fix it despite the fact that I made a formal complaint and wrote numerous letter to them though their complaints procedure.
    My Housing Association messed me about and they made me wait 18 months before they finally fixed the leak on the Gutter/Roof, in January this year,
    So I waited 18 months before they did that repair but the builders did a botched job because 2 months ago in May it came back and it's worse than it was before.
    And then 3 months later in may the leak came back and the gutter pip is broken again. So it is obvious that the Housing association Builders did not do the job properly.

    Because Now the rain is running down the outside wall,Worse than before they fixed it.
    But I told my Housing association this again but they won't do anything about it.

    Not only that but as I am sitting here now typing this, I and the other tenants in my block and on my estate have no water supply.
    My estate is new build flats that has a water pumps that supplies our water which is maintained by my housing association not the water board.
    And the pump keeps on breaking down,and last time my HA made us go for 4 days without water before they fixed it and that's not right.


    And when I ring my housing association and get through to repairs department as is their procedure for reporting repairs.
    They are not very helpful.
    The problem is that when I ring them I get put through to their repairs department which is a call center so I have to speak to a different person every time I phone them.

    And many of them are not aware that I have a mental health problem and they are not very helpful they are impersonal as well as the fact that they don't seem to care which does not help at all.

    And this has upset me very much and I have now decided that I will leave the housing association and g back into private rented accommodation when my mums house is sold and I get my money.
    Because once the house is sold and I get my money as you know all my benefits will stop except for my DLA.
    And if I stay here in my HA Flat
    It is gonna cost me 608 a month rent and will eat up my inheritance more quickly.


    And I am not even going to be getting the service I am paying rent for.
    It will still be the same the HA won't do the repairs and some of them are not very nice to me anyway.

    My neighbors are fine and are quite friendly and my flat is lovely and in a good area.
    But my housing association are very slow to do repairs and I find their system very impersonal.
    And I am not gonna pay 608 for that.


    So I am gonna use my money when I get it to move out and get myself a private flat up North in Liverpool with a private landlord or letting agency where the rents are about 386 a month.
    Where I will be much happier. I am unhappy here.
    And so I am not going to stay here.
    Last edited by annbarbs; 18-07-2016 at 4:13 AM.
    • Yorkshireman99
    • By Yorkshireman99 18th Jul 16, 9:08 AM
    • 5,396 Posts
    • 4,560 Thanks
    Yorkshireman99
    I think you are right.
    My solicitor would have a lot to loose if he kept my money for himself.
    That's fraud and stealing and he would be sent to prison and would never be allowed to practice as a solicitor again.
    So it is unlikely to happen.

    But I worry about it.

    The house is up for sale for 280k and my mother also had 77k in savings.Of which we each get a third of as well.
    Which is 25 thousand pounds each.
    So as well as our third of the sale of the house which is 93 thousand pounds I and my sisters each get 25k.
    Which is 118 thousand pounds in total that we each will get if you include the 25k in addition to the 93k from the sale of the house.

    But of course there will be my solicitors fess.
    My sisters are selling the house without a solicitor but my solicitor said we each have to pay the estate agents fees for selling the house.
    Which is a third each as one poster says.
    So I obviously won't take home 118 thousand pounds but it could still be at least 100 thousand depending on what the house gets sold for.

    I was not very close to my mum. And as my ex-social worker said-My mum could have cut me out of the will and left everything to my 2 sisters but she didn't.
    So she must have loved me even if she did not show it very much.

    But at the same time the inheritance has put me in a dilemma.
    Because I am on benefits and cannot work because of mental health problems.

    So once I get my money all of my benefits, my Housing Benefit, Council Tax benefit will be stopped.
    Because once your savings go over 16 thousand pounds you are not entitled to HB ,CT benefit or ESA.
    DLA as far as I know is not effected by savings so I don't think that will stop.

    But my DLA is only 104 a week-High rate Care and Low Mobility Rate.
    And that's not going to cover all my rents and living expenses.
    And it gets worse.

    My rent for my Housing Association Flat is 140 a week. But my HA charges per calendar month. So I will have to pay 608 per month plus my bills and CT.
    And that will eat up my inheritance more quickly.
    Also my Housing Association are not maintaining the property.

    I have an ongoing repair problem which my housing association refuses to fix for me despite the fact that I have told them about it and my many phone calls to them for the past 2 months since I have had this problem..
    The gutter pipe on the outside roof of my building is broken and every time it rains the water pours down the outside wall of my bedroom Window.
    Making my outside wall damp.
    And I told my Housing Association the problem and I told them that if it is not fixed the water will eventually come into my flat and make my walls dam.But they won't fix it and every time I phone them or go to the office in person.
    they don't do anything about it and they won't give me a time or date as to when they will fix it.
    I have had this same problem before when in August 2014 it happened the outside gutter/roof was leaking and they did not fix it despite the fact that I made a formal complaint and wrote numerous letter to them though their complaints procedure.
    My Housing Association messed me about and they made me wait 18 months before they finally fixed the leak on the Gutter/Roof, in January this year,
    So I waited 18 months before they did that repair but the builders did a botched job because 2 months ago in May it came back and it's worse than it was before.
    And then 3 months later in may the leak came back and the gutter pip is broken again. So it is obvious that the Housing association Builders did not do the job properly.

    Because Now the rain is running down the outside wall,Worse than before they fixed it.
    But I told my Housing association this again but they won't do anything about it.

    Not only that but as I am sitting here now typing this, I and the other tenants in my block and on my estate have no water supply.
    My estate is new build flats that has a water pumps that supplies our water which is maintained by my housing association not the water board.
    And the pump keeps on breaking down,and last time my HA made us go for 4 days without water before they fixed it and that's not right.


    And when I ring my housing association and get through to repairs department as is their procedure for reporting repairs.
    They are not very helpful.
    The problem is that when I ring them I get put through to their repairs department which is a call center so I have to speak to a different person every time I phone them.

    And many of them are not aware that I have a mental health problem and they are not very helpful they are impersonal as well as the fact that they don't seem to care which does not help at all.

    And this has upset me very much and I have now decided that I will leave the housing association and g back into private rented accommodation when my mums house is sold and I get my money.
    Because once the house is sold and I get my money as you know all my benefits will stop except for my DLA.
    And if I stay here in my HA Flat
    It is gonna cost me 608 a month rent and will eat up my inheritance more quickly.


    And I am not even going to be getting the service I am paying rent for.
    It will still be the same the HA won't do the repairs and some of them are not very nice to me anyway.

    My neighbors are fine and are quite friendly and my flat is lovely and in a good area.
    But my housing association are very slow to do repairs and I find their system very impersonal.
    And I am not gonna pay 608 for that.


    So I am gonna use my money when I get it to move out and get myself a private flat up North in Liverpool with a private landlord or letting agency where the rents are about 386 a month.
    Where I will be much happier. I am unhappy here.
    And so I am not going to stay here.
    Originally posted by annbarbs
    It sounds like you should go and see the CAB and get some advice from them.
    • FreeBear
    • By FreeBear 18th Jul 16, 9:30 AM
    • 2,932 Posts
    • 3,914 Thanks
    FreeBear
    So I am gonna use my money when I get it to move out and get myself a private flat up North in Liverpool with a private landlord or letting agency where the rents are about 386 a month.
    Originally posted by annbarbs
    Plenty of housing available for under 100,000 in the Liverpool area - Looking at Zoopla, there are two bed terraced houses sold for 45K-50K (may well need work at that price).

    When the money eventually comes through, you really need to talk to an Independent Financial Adviser rather than looking on the internet for advice. CAB wouldn't be able to give financial advice as they are not registered or qualified beyond advising on debt management.
    Her courage will change the world.

    Treasure the moments that you have. Savour them for as long as you can for they will never come back again.
    • Yorkshireman99
    • By Yorkshireman99 18th Jul 16, 9:43 AM
    • 5,396 Posts
    • 4,560 Thanks
    Yorkshireman99
    Plenty of housing available for under 100,000 in the Liverpool area - Looking at Zoopla, there are two bed terraced houses sold for 45K-50K (may well need work at that price).

    When the money eventually comes through, you really need to talk to an Independent Financial Adviser rather than looking on the internet for advice. CAB wouldn't be able to give financial advice as they are not registered or qualified beyond advising on debt management.
    Originally posted by FreeBear
    Noted but the CAB would proably be able to point the OP in the correct direction.
  • archived user
    It sounds like you should go and see the CAB and get some advice from them.
    Originally posted by Yorkshireman99
    In my area there is only one CAB and it is very difficult to see them.
    Because they don't have an appointment system.
    they are only open very limited hours and you have to queue up outside the door very early in the morning.

    And it's strictly a first come first served system. So you must be lucky to see them.
    And I don't think a financial adviser can help. Because I already know how much my inheritance is likely to be.So a financial adviser is only going to tell me what I already know.

    When the house is sold I and my sisters will each get 93k from the 280k the house is being sold for. A third each

    We will also get 25k each from my mum's savings from her bank account she also left to the 3 of us.


    I could have claimed the 25k now before the house is sold but if I did that my benefits would stop,because my savings would then be over the DWP limit. And we don't know how long it is going to take for the house to be sold.
    And that money will run out very quickly if I was living on it.
    So my Solicitor has arranged for that 25k to be sent to him and me at the end of administration after the house is sold.


    So my sisters and I have not got any of that money either it is still in the executors account which is in both my sisters names. Since they are executors of the will.

    So I have not got that money now and neither have my sisters.
    We won't get that 25k until after the house is sold when we will then get our money from the sale of the house and the 25k each at the same time after the house is sold.

    But I and the other tenants are still without water. And I want to move out now and get a private flat. And I never want to go back to a HA again.
    But I cannot move now because I am stil on benefits and don't have any money.
    And it could be months before the house is sold.
    So I don't know how I can put up with it here for what could be months and months or even another
    year.
    • Mojisola
    • By Mojisola 18th Jul 16, 12:43 PM
    • 31,499 Posts
    • 80,763 Thanks
    Mojisola
    In my area there is only one CAB and it is very difficult to see them.
    Originally posted by annbarbs
    I can't remember from the other thread whether you have a Social Worker or a Mental Health Support Worker.

    You're going to be making some major changes to your life and it would help to have someone to support you through this unsettling period.

    All the stuff around the will has caused a lot of stress - buying a property will be a worse.

    Is there any chance of getting a move to a HA flat in a cheaper area?
  • archived user
    I can't remember from the other thread whether you have a Social Worker or a Mental Health Support Worker.

    You're going to be making some major changes to your life and it would help to have someone to support you through this unsettling period.

    All the stuff around the will has caused a lot of stress - buying a property will be a worse.

    Is there any chance of getting a move to a HA flat in a cheaper area?
    Originally posted by Mojisola
    No I don't have a social worker at the moment.
    I used to have but I was discharged from the CMHT over a year ago but I can still got back to her for help with my benefits and Freedom Pass. And I can see the duty officer but I don't have a keyworker at the moment.

    I could move though the HA home exchange scheme but my HA only use the Homeswaper website and the website is not user friendly at all.And they have nothing.

    Also you can only move if the other person wants to exchange with you and the other person can cal off the swap at any time. So you could be ready to move then the other person could change their mind and not do the swap.
    And you only get a weeks notice to move and that's not enough time to close all your utility bills accounts down.
    That system is too stressful for me I cannot cope with that.


    Where as if I get a private rented flat. I find property I like and if the landlord or letting agency accepts me.
    I put down the deposit, get a lease and then I am given the keys and I move in. So at least I know where I am.

    I think I should get out of here because there are issues here that I am unhappy with mainly my HA not doing the repairs and the recurring problems I keep having, NO WATER and when they fix it a few months later the water pump goes and we have not water again. This keeps on happening frequently which is causing me stress and is effecting my mental health.

    And when I get my inheritance it is going cost me 608 a month in rent and the HA won't treat me ant better and they are not going to look after my property.

    So most people in that situation would move.
    Since the HA will then be taking my money not housing benefits.

    So I would be better off finding a decent landord or letting agent that treats me decent and looks after the property a what my HA should be doing but are not.

    I want to move now as I have all these problems with my HA now but I cannot because I am still on benefits and don't have the money for a deposit to rent private.

    Also a lot of private landlords don't take DSS. But when I get my inheritance I won't be on HB anymore so I won't have to say I am on benefits because I won't be and will then have capital in which I can use to pay the rent myself with. So at least I will have the money to get out of here and I would just tell the landlord my mother left me capital and I don't have to work.

    But even if you do have money and are not on benefits a lot of landlords want referenced from your previous landlord.
    And I am not sure that my HA would give me a reference or not.

    There is one way I could move now maybe.
    And that is I could ask my solicitor to give me my 25 thousand pounds now instead of at the end of administration.
    And I could use that to put down a deposit and rent private.
    But then as you know my benefits will stop and as I would be paying rent that money would only last about a year or 2.

    So it could run out before the house is sold then I might not get my benefits back. And also the landlord could kick me out if he or she is someone who does not want people on benefits.
    Because if that 25k ran out before the house got sold I would have to apply for Housing Benefit again.
    So it's risky because if the 25k ran out before the house got sold and the landlord thew me out I could find myself homeless.

    Another option could be to ask my solicitor to give me some of the money from the 25k say 2 thousand pounds which I could use to secure a deposit with a private landlord who takes DSS.
    That way my savings would not be over the DWP limit as you can have up to 6000 before they cut it.
    And I could then transfer my DSS and HB to the new private flat. And HB pay most of the private rent and I would have to pay a shortfall depending on the Local Housing allowance rate for that area I would be living in.


    But I am not sure if my solicitor maybe just get me some of the money from the 25k or not but I could ask him, if it is possible.
    If it is that would at least let me get a private flat and stil get my HB and get out of here.
    But I would still have to find a landlord that takes HB and that is not easy as you know.
    So I could still be stuck here with the HA until the house gets sold.And even then it still won't be easy to find private rented accommodation.
    • Mojisola
    • By Mojisola 18th Jul 16, 3:02 PM
    • 31,499 Posts
    • 80,763 Thanks
    Mojisola
    No I don't have a social worker at the moment.

    I used to have but I was discharged from the CMHT over a year ago but I can still got back to her for help with my benefits and Freedom Pass. And I can see the duty officer but I don't have a keyworker at the moment.

    I could move though the HA home exchange scheme but my HA only use the Homeswaper website and the website is not user friendly at all.And they have nothing.

    That system is too stressful for me I cannot cope with that.

    Where as if I get a private rented flat. I find property I like and if the landlord or letting agency accepts me.

    I put down the deposit, get a lease and then I am given the keys and I move in. So at least I know where I am.
    Originally posted by annbarbs
    I can see that a HA move would be stressful if you are swapping. The main advantage, though, is that you would have a secure tenancy.

    Do you have to do a swap? I don't know how the system works - maybe other posters could help with that.

    With private rentals, you could end up having to move every couple of years with only two months' notice. That's stressful enough for fit and healthy people to cope with.

    You won't have to commit yourself immediately to one or the other but it would be worth discussing it with the duty officer. Maybe you could get another key worker to support you through the move?

    The idea about getting a small advance on your inheritance is good if you want to move to a private rental. You could ask your solicitor to get the executors to release a few thousand (keep below the 6000 capital allowance). That would pay for a deposit, moving costs, etc and leave you a bit spare for anything else that crops up.
    • Robin9
    • By Robin9 18th Jul 16, 3:26 PM
    • 4,841 Posts
    • 3,150 Thanks
    Robin9
    AnnBarbs - buying, selling, renting is one of the most stressful things that can happen in life.

    Renting, like through a HA has definite benefits - you ring up with a problem like the gutters or no water and it will be attended to, perhaps not as quickly as you like - but its not your problem

    If you own a house then those problems are all yours - it will be up to you to find the repair man, and pay his bill.

    As you are experiencing with the sale of your mother's house selling is a long business - buying is no shorter and there are lots of things you have to arrange yourself - surveys, utilities.

    You really need to think this through very carefully and not rush. Have you a friend that you can discuss the options with?
  • archived user
    AnnBarbs - buying, selling, renting is one of the most stressful things that can happen in life.

    Renting, like through a HA has definite benefits - you ring up with a problem like the gutters or no water and it will be attended to, perhaps not as quickly as you like - but its not your problem

    If you own a house then those problems are all yours - it will be up to you to find the repair man, and pay his bill.

    As you are experiencing with the sale of your mother's house selling is a long business - buying is no shorter and there are lots of things you have to arrange yourself - surveys, utilities.

    You really need to think this through very carefully and not rush. Have you a friend that you can discuss the options with?
    Originally posted by Robin9
    You have to pay utility bills in both a HA flat and private rented flat as well.

    Maybe it's just my HA and I am a bit unlucky.
    I have never been with any other HA but this one, so I don't know what other HA's are like.

    BTW they have just come and fixed the water 2 hours ago.
    So we now have our water back on again.

    I spoke to the engineer who repaired the water pump for our estate.

    He said the pump needs a new part, but he has fixed it temporary so that we all have water now. Until the part he ordered comes in a few days time when he will come back to fit it.
    But we have our water back on now that's the main thing, so that problem is solved.

    But my mum's will has made me look at my life and see the issues in it I am unhappy with. And if I stay here after I get my inheritance it is gonna cost me a lot of money in rent 608. And eat up my money more quickly, and i am not happy with the service I am getting and will be paying for. So I don't see the point in me staying here.

    If when the house is sold if I am to loose my benefits which I will do. And I am to pay all the rent as I will have to.
    I might as well use my the money to move out and live where I want to live.
    Because all my benefits will stop, so I have got nothing to loose by moving up North where I want to go.

    It's true a Council or HA flat is secure in that I have a life tenancy. But what does that mean. I mean what is the point if I am unhappy there and don't want to stay there for 50 years?

    I would rather have a 6 months or shorthold tenancy and be with a private landlord or letting agent I am happy with and who loks after my property. Than be with a HA that does not where I am miserable.

    At the moment I am on benefits and have little money so I don't have a choice. So I cannot help it, I have to stay. here

    But when the house is sold and I get my money I will have a choice. Then I will be able to move because I will have the money and I won't have to tell a letting agent I am on benefits because then I won't be anymore. And I will be able to pay the rent myself where I could not before.

    I don't have to tell a letting agent or landlord I cannot work because I have MH problems.
    I can just tell them my mum died and has left me capital so I don't need to work-If they ask.

    The only thing that might make make it difficult to find a private let is that a lot of landlords want references from your previous landlord.Which in my case is my HA.
    And I don't know if my HA will give me a reference or not.
    I will have to ask my HA. And if they say no then I could just not tell the private landlord or letting agent I am with a HA. I could say I am staying with a friend then they won't expect me to have a reference.
    • Caroline_a
    • By Caroline_a 18th Jul 16, 7:51 PM
    • 3,901 Posts
    • 10,750 Thanks
    Caroline_a
    You say that you want to move up North to Liverpool. Do you have friends or family there? I moved from the North of England around 15 years ago back to my home town. I had my daughters with me and my father still lived here, but had no friends still in the area. It's quite challenging making new friends in a new area - I made all my friends with very few exceptions through work. Are you intending to work when you get there? If not, how will you make a new circle of friends?

    Relocating is rarely the greener grass that you think it is - private landlords can be brilliant or awful, you only have to look in the relevant forum on here!

    A financial adviser would not just tell you how much money you will get, he/she will advise you on how best to invest it so that you get the best return for your money. Also, any money from the estate will have to be released by executors, not from your solicitor, so if they refuse that may not be an option.

    Please don't jump into anything without getting advice from either your social worker or someone similar. You have a large chunk of money coming to you, don't make any decisions before you have all the facts.

    Also if you do try to move to private renting whilst still on benefits, bear in mind that many private landlords now won't take tenants on benefits!
    Last edited by Caroline_a; 18-07-2016 at 8:24 PM.
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