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  • FIRST POST
    • Strawberryz
    • By Strawberryz 18th Jun 19, 12:53 AM
    • 10Posts
    • 1Thanks
    Strawberryz
    On Universal credit (mortgage to tenancy)
    • #1
    • 18th Jun 19, 12:53 AM
    On Universal credit (mortgage to tenancy) 18th Jun 19 at 12:53 AM
    Hi
    Iím currently in the family home, separated (18 months)
    Our home is joint mortgage but my ex/husband wants to move back in and is ďencouragingĒ me to get my own place.
    Im starting to think this might be an ok solution to move to be closer to my eldest son and family.
    Iím on UC and limited capability for work and work related activity (LCWRA)

    ? If I go to a rented property will our joint mortgage house count as assets? My children are also staying in the family home. Iím worried I wonít be able to claim anything.

    ? Iíve filled in the entitled2 questionnaire to see what it comes out to if I donít count the house and get ďexempt from benefits capĒ does this mean Iíll be able to claim for the full amount of the rent?

    Iím so confused right now and donít know what to do next.
    Any help and guidance will be appreciated

    Iím long term sick and worked until my redundancy 2 years ago.

    Thanks
Page 1
    • huckster
    • By huckster 18th Jun 19, 5:21 AM
    • 3,670 Posts
    • 1,633 Thanks
    huckster
    • #2
    • 18th Jun 19, 5:21 AM
    • #2
    • 18th Jun 19, 5:21 AM
    The way this will be looked at, is that there is no good reason why you would be moving to a different address.

    If you had a court order against you, saying you had to leave the family home, then you would have no choice in the matter. But leaving the family home on a voluntary basis, would most likely mean that the capital in the family home would be considered and if your equity stake was above £16k, your UC claim would be closed.

    I think your logic is correct, in questioning why would UC pay your housing costs at a new address. They would not do so, if you simply left a property you part owned and moved elsewhere.

    I would suggest that you seek advice from Citizens Advice about this, as there is a lot to consider. For example, care of the children remaining in family home and any benefit claims for them. Your rights, if you did leave the family home. What if you needed to sell the house ?
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
    • calcotti
    • By calcotti 18th Jun 19, 7:30 AM
    • 2,804 Posts
    • 1,882 Thanks
    calcotti
    • #3
    • 18th Jun 19, 7:30 AM
    • #3
    • 18th Jun 19, 7:30 AM
    ? Iíve filled in the entitled2 questionnaire to see what it comes out to if I donít count the house and get ďexempt from benefits capĒ does this mean Iíll be able to claim for the full amount of the rent?
    Originally posted by Strawberryz
    The amount of help anyone is able to get with rent is restricted to the Local Housing Allowance rate for their postcode. This is almost always less than the actual rent payable. Rates can be found here https://lha-direct.voa.gov.uk/

    As a single person you would be entitled to the one bedroom rate or the shared room rate depending on whether you are aged 35 or over.
    • Strawberryz
    • By Strawberryz 18th Jun 19, 12:04 PM
    • 10 Posts
    • 1 Thanks
    Strawberryz
    • #4
    • 18th Jun 19, 12:04 PM
    Re moving
    • #4
    • 18th Jun 19, 12:04 PM
    Thanks

    Iíd be moving because this is a large house on three floors. Iím finding it difficult because I have arthritis in my knees and other health problems. Itís just too big for me to cope now Iím on my own.
    This is one reason to move to be by my grown up son and family.

    I suffer badly with depression and because of bad things that happened to me here I need to move out for my mental health and sanity.

    Thereís a few reasons not just because I fancy a move 😊

    Iím also exempt from the benefit cap because Iím getting the sickness top up in UC

    Thanks for the guidance, Iíll find out about Citizens Advice. 👍🏼
    • Strawberryz
    • By Strawberryz 18th Jun 19, 12:10 PM
    • 10 Posts
    • 1 Thanks
    Strawberryz
    • #5
    • 18th Jun 19, 12:10 PM
    Re: moving
    • #5
    • 18th Jun 19, 12:10 PM
    Thank you

    Yes Iíd be moving to a one bedroom property.

    Iíve looked into the LHA and how much the cap is. Iím exempt from the benefit cap due to health reasons but still not sure how much rent they would help me with.

    Thanks
    • tboo
    • By tboo 18th Jun 19, 12:38 PM
    • 940 Posts
    • 4,628 Thanks
    tboo
    • #6
    • 18th Jun 19, 12:38 PM
    • #6
    • 18th Jun 19, 12:38 PM
    Hi
    Iím currently in the family home, separated (18 months)
    Our home is joint mortgage but my ex/husband wants to move back in and is ďencouragingĒ me to get my own place.
    Im starting to think this might be an ok solution to move to be closer to my eldest son and family.
    Iím on UC and limited capability for work and work related activity (LCWRA)

    ? If I go to a rented property will our joint mortgage house count as assets? My children are also staying in the family home. Iím worried I wonít be able to claim anything.

    ? Iíve filled in the entitled2 questionnaire to see what it comes out to if I donít count the house and get ďexempt from benefits capĒ does this mean Iíll be able to claim for the full amount of the rent?

    Iím so confused right now and donít know what to do next.
    Any help and guidance will be appreciated

    Iím long term sick and worked until my redundancy 2 years ago.

    Thanks
    Originally posted by Strawberryz
    Why is he ďencouragingĒ you to get your own place?

    Will your ex be buying your half at a later date?

    Has the mortgage company agreed to remove your name if he is buying you out

    How old are the other children that will stay in the house with your ex


    Thanks

    Iíd be moving because this is a large house on three floors. Iím finding it difficult because I have arthritis in my knees and other health problems. Itís just too big for me to cope now Iím on my own.
    This is one reason to move to be by my grown up son and family.

    I suffer badly with depression and because of bad things that happened to me here I need to move out for my mental health and sanity.

    Thereís a few reasons not just because I fancy a move 😊

    Iím also exempt from the benefit cap because Iím getting the sickness top up in UC

    Thanks for the guidance, Iíll find out about Citizens Advice. 👍🏼
    Originally posted by Strawberryz
    Started on the No Clutter thread - 25/01/2018
    ďYouíre only here for a short visit. Donít hurry, don't worry and be sure to smell the flowers along the way.Ē óWalter Hagen
    Mortgage free 2/07/18. 9 years early

    • Strawberryz
    • By Strawberryz 19th Jun 19, 2:57 PM
    • 10 Posts
    • 1 Thanks
    Strawberryz
    • #7
    • 19th Jun 19, 2:57 PM
    • #7
    • 19th Jun 19, 2:57 PM
    He moved out and living in shared house. ((Hischoice)

    He says things like ďyouíd be better off by having a smaller house, less stairs (Iíve got painful osteoarthritis) easier to manage.... ď
    ďWouldnít you prefer your own placeĒ
    and constantly reminds me he canít afford our mortgage and his own bills.
    That itís not fair he canít see the kids much ( he can actually see them when ever he wants)
    Itís the constant stress and pressure. I feel like giving in.
    Itís now unbearable living here emotionally and no help with maintaining the property.

    Itís making my depression much worse.

    Iíll talk to the mortgage company and see how I remove my name etc if I do move. Having said that Iíll lose any equity when it is sold later on.

    The youngest is 14 so the house isnít classed as assets until heís 18 (if youíre a single parent. )
    • tboo
    • By tboo 19th Jun 19, 4:30 PM
    • 940 Posts
    • 4,628 Thanks
    tboo
    • #8
    • 19th Jun 19, 4:30 PM
    • #8
    • 19th Jun 19, 4:30 PM
    He moved out and living in shared house. ((Hischoice)

    He says things like ďyouíd be better off by having a smaller house, less stairs (Iíve got painful osteoarthritis) easier to manage.... ď
    ďWouldnít you prefer your own placeĒ
    and constantly reminds me he canít afford our mortgage and his own bills.
    That itís not fair he canít see the kids much ( he can actually see them when ever he wants)
    Itís the constant stress and pressure. I feel like giving in.
    Itís now unbearable living here emotionally and no help with maintaining the property.

    Itís making my depression much worse.

    Iíll talk to the mortgage company and see how I remove my name etc if I do move. Having said that Iíll lose any equity when it is sold later on.

    The youngest is 14 so the house isnít classed as assets until heís 18 (if youíre a single parent. )
    Originally posted by Strawberryz

    So he's emotionally blackmailing you to leave due to money - does he pay you anything at the moment?

    The 14 year old will live with him and you will be a single person elsewhere - do you not realise that you will lose all child related benefits ie ChB CTC etc when this happens

    The mortgage co may not authorise the removal of your name

    You have every right to stay in the property if you have dependant child/ren there so I suggest you speak to the CAB urgently
    Started on the No Clutter thread - 25/01/2018
    ďYouíre only here for a short visit. Donít hurry, don't worry and be sure to smell the flowers along the way.Ē óWalter Hagen
    Mortgage free 2/07/18. 9 years early

    • sheramber
    • By sheramber 19th Jun 19, 5:23 PM
    • 6,712 Posts
    • 5,036 Thanks
    sheramber
    • #9
    • 19th Jun 19, 5:23 PM
    • #9
    • 19th Jun 19, 5:23 PM
    the better solution would be to sell the house and each go your separate ways.

    Or he buys you out and stays on in the house, assuming he can get a mortgage in his own name.
    • huckster
    • By huckster 19th Jun 19, 10:26 PM
    • 3,670 Posts
    • 1,633 Thanks
    huckster
    If you did decide to move, you must declare the capital value you hold in the family home you are leaving. You will have to complete a form for Universal Credit to enable a decision maker to decide whether to disregard the capital. Any disregard would only be temporary if agreed and you could find yourself not entitled to UC at some point when any disregard was ended.

    Get the advice from Citizens Advice before you make any decisions. Agree that selling and splitting the equity proceeds may be the way forward.
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
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