Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Jimbob83
    • By Jimbob83 7th Jan 18, 8:48 PM
    • 2Posts
    • 0Thanks
    Jimbob83
    62 year old Mum and autistic brother - benefits help
    • #1
    • 7th Jan 18, 8:48 PM
    62 year old Mum and autistic brother - benefits help 7th Jan 18 at 8:48 PM
    Hey everyone.

    I was told by someone close to me about this forum and was hoping for some advice on behalf of my mum and brother.

    Iíve put it in bullet point form in a way to better understand whatís going on.

    - My mother and stepfather have been married for the last 25 years and lived in the same house since.

    - They have a daughter who has moved out but a son with severe autism who cannot live independently and who my stepfather has nothing to do with.

    - For the last 10 years the relationship between Mum and stepfather has broken down to the point where they live in the same house but have separate lives. He pays the mortgage/utilities but Mum provides food/clothing/other essentials for her and my brother.

    - Late last year we discovered that my stepfather has not been paying the mortgage on the house and it was about to be repossessed. Only a last minute appeal in court stopped them from taking it. Instead, they demanded that the house be put on the market and the money from the sale be used to pay off the debt.

    - Mumís name is not on the mortgage, but she has a guarantee from my stepfather that she will be given half of whatever money is left over from the sale of the house once the debts have been cleared Ė but we donít know how much that is going to be and when it will be received.

    - Sheís in her early 60s and has no personal income (used to be a childminder but never made enough profit from this to pay tax, and had to give up last year due to rising fees and changes to regulations). She is now a full time carer for my brother and will struggle to work outside the home as he canít be left alone for long periods.

    - She has no savings and is also in debt recovery having to make payments every month.

    - She had been seeing someone last year and moved in with that person once they found out the house was being put up for sale, but that relationship quickly broke down, to the point where she is now moving back in to the original house until it is sold.

    - The only benefits I know they have is Personal Independence (PIP) and carers allowance for my brother and when Iíve asked what theyíve said at the Citizenís Advice about any other benefits or help for finding a place to live, sheís said theyíve told her there are other people out there who need a house more and that there are no other benefits available to them.

    I suspect there might be other help available (e.g. housing benefit?) but I have no idea how any of this works and live a few hours away from her so I canít go with her to meetings etc. I was hoping someone on here who had a bit of experience in this area could tell me what sort of things she and/or my brother would be eligible for her to help her get her back on her feet.

    If you need any other info please say and I will try to provide it.
Page 1
    • kingfisherblue
    • By kingfisherblue 7th Jan 18, 9:30 PM
    • 7,729 Posts
    • 16,885 Thanks
    kingfisherblue
    • #2
    • 7th Jan 18, 9:30 PM
    • #2
    • 7th Jan 18, 9:30 PM
    Hey everyone.

    I was told by someone close to me about this forum and was hoping for some advice on behalf of my mum and brother.

    Iíve put it in bullet point form in a way to better understand whatís going on.

    - My mother and stepfather have been married for the last 25 years and lived in the same house since.

    - They have a daughter who has moved out but a son with severe autism who cannot live independently and who my stepfather has nothing to do with.

    - For the last 10 years the relationship between Mum and stepfather has broken down to the point where they live in the same house but have separate lives. He pays the mortgage/utilities but Mum provides food/clothing/other essentials for her and my brother.

    - Late last year we discovered that my stepfather has not been paying the mortgage on the house and it was about to be repossessed. Only a last minute appeal in court stopped them from taking it. Instead, they demanded that the house be put on the market and the money from the sale be used to pay off the debt.

    - Mumís name is not on the mortgage, but she has a guarantee from my stepfather that she will be given half of whatever money is left over from the sale of the house once the debts have been cleared Ė but we donít know how much that is going to be and when it will be received. As they are married, your mum's contribution to the household is seen as equal (as a starting point) to the payment of the mortgage if she divorces your stepfather. Bringing up children, childminding, and caring for a disabled son are all taken into account by a judge. If they don't divorce, but choose to live separately, I'm not sure of the legal situation.

    - Sheís in her early 60s and has no personal income (used to be a childminder but never made enough profit from this to pay tax, and had to give up last year due to rising fees and changes to regulations). She is now a full time carer for my brother and will struggle to work outside the home as he canít be left alone for long periods.

    - She has no savings and is also in debt recovery having to make payments every month. Is it just your mum, or is your stepfather in debt recovery too? Is he contributing to the repayments? Was the debt personal or household?

    - She had been seeing someone last year and moved in with that person once they found out the house was being put up for sale, but that relationship quickly broke down, to the point where she is now moving back in to the original house until it is sold.

    - The only benefits I know they have is Personal Independence (PIP) and carers allowance for my brother and when Iíve asked what theyíve said at the Citizenís Advice about any other benefits or help for finding a place to live, sheís said theyíve told her there are other people out there who need a house more and that there are no other benefits available to them. Carer's Allowance is income for your mother, and PIP is for your brother. He should also be abe to claim ESA as he is presumably unable to work. To find somewhere to live, your mum could speak to the local council housing officer and put her name down. However, there are long waiting lists in most areas. Once the house is sold, assuming that she no longer lives with your stepfather from that point, she should register herself and your brother as homeless. She should also ask about getting a council house on the grounds of medical need as your brother is disabled. In my area, a friend had a great deal of help to find suitable housing, but I know that this isn't the case in all areas.

    I suspect there might be other help available (e.g. housing benefit?) but I have no idea how any of this works and live a few hours away from her so I canít go with her to meetings etc. I was hoping someone on here who had a bit of experience in this area could tell me what sort of things she and/or my brother would be eligible for her to help her get her back on her feet. Housing benefit is not avaible to her at the moment, as she does not rent. However, once the house is sold, she may be entitled to it (depending on how much money she has from the sale of the house), assuming that she then rents. If she and your brother live separately to your stepfather, she can also claim Income Support (as a carer) and council tax benefit.

    If you need any other info please say and I will try to provide it.
    Originally posted by Jimbob83
    Answers provided in red. You could put your mum's details through the Entitledto calculator (as though she has left your stepfather, as I assume that is what she intends to do), in case I have missed anything out, and to get a reasonably accurate prediction of amounts payable. Your mum might also want to contact Shelter, as they specialise in housing problems.

    For income related benefits, the general rule is that any savings above £6000 will be reduced by £1 for every £250. At £16,000 income related benefits usually cease. Income from the sale of a house can be disregarded for twelve months, but only if the intention is to use it to buy another house. She might qualify for grants for white goods when she has a new address - her local council can advise.

    I hope that she manages to get things sorted out satif=sfactorily.
    • Jimbob83
    • By Jimbob83 7th Jan 18, 10:57 PM
    • 2 Posts
    • 0 Thanks
    Jimbob83
    • #3
    • 7th Jan 18, 10:57 PM
    • #3
    • 7th Jan 18, 10:57 PM
    Thank you for the response and the info. To answer questions:

    Debt recovery is for mum's personal debt. I'm not sure on the details of payments etc.

    Re: Housing. Although she is moving back to the house, she really doesn't want to be there (it's not a pleasant living situation) but has no choice as she is being kicked out of where she is currently staying - has been told to get out tomorrow (Monday). Apparently council(?) told her they could put her and my brother in a hostel but my brother would not cope with that, so the only choice is to go back to the house.

    She would like to rent a place of her own (with brother) as soon as possible i.e. before the house is sold. But can't claim housing benefit until she is actually renting? She also doesn't have cash for a deposit and wouldn't pass credit checks etc. Is the first step to talk to the council housing officer, if they can't provide council housing can they help in finding a private rented place that would accept housing benefit, no deposit etc?
    • poppy12345
    • By poppy12345 8th Jan 18, 7:25 AM
    • 2,780 Posts
    • 2,748 Thanks
    poppy12345
    • #4
    • 8th Jan 18, 7:25 AM
    • #4
    • 8th Jan 18, 7:25 AM
    Thank you for the response and the info. To answer questions:

    Debt recovery is for mum's personal debt. I'm not sure on the details of payments etc.

    Re: Housing. Although she is moving back to the house, she really doesn't want to be there (it's not a pleasant living situation) but has no choice as she is being kicked out of where she is currently staying - has been told to get out tomorrow (Monday). Apparently council(?) told her they could put her and my brother in a hostel but my brother would not cope with that, so the only choice is to go back to the house.

    She would like to rent a place of her own (with brother) as soon as possible i.e. before the house is sold. But can't claim housing benefit until she is actually renting? She also doesn't have cash for a deposit and wouldn't pass credit checks etc. Is the first step to talk to the council housing officer, if they can't provide council housing can they help in finding a private rented place that would accept housing benefit, no deposit etc?
    Originally posted by Jimbob83
    No, she can't claim housing benefit until she's renting. Her local council may give her a list of landlords that accept housing benefit but they don't always do this. There are sometimes landlords that accept housing benefit but you'll have to look. Gumtree for her area may have some. Not all londlords use an agency. Sometimes agency accept housing benefit but you'll have to search her area on google for this. Her local council may help her with the deposit. This used to be the case for some councils, i'm not sure if it still is.

    Before doing any of this she'll need to check if her area is a full Universal Credit area. If it is then she'll have to claim this and not housing benefit. There's a 6 week wait for payments to start with UC after applying, then money is paid monthly.
    https://ucpostcode.entitledto.co.uk/ucdate
    • xylophone
    • By xylophone 8th Jan 18, 12:47 PM
    • 25,544 Posts
    • 15,089 Thanks
    xylophone
    • #5
    • 8th Jan 18, 12:47 PM
    • #5
    • 8th Jan 18, 12:47 PM
    Your mother should obtain a state pension statement to help with future planning.

    https://www.gov.uk/check-state-pension
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

170Posts Today

1,762Users online

Martin's Twitter