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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

fuming for friend = Housing benefit V morgage payments

252 replies

thekidsrule · 06/02/2012 16:36

Hi,this does not effect me but a very close friend of mine

will try to keep brief and to the point

friend has 4dcs,age 3,5,8 and 13,she has been with her partner 16yrs,has worked,bought a home together etc etc

she has found out the last week that he has been having an affair on/off for last 5months,she had suspisions and finally admitted it only when other women rang her (nice) hes said all the normal he dosent want OW,its over,everybody does it (do they) blah blah blah

anyway she has kicked him out,kids devastated,she is but says no way can she take him back,anyway ive been helping her get benefits sorted,buying some shopping (left her overdrawn) generally trying to help

spoke to income support and that wont be a problem,but because she has a morgage and he is on the morgage

1, they say she will have to wait 13wks before they help

2, they will only pay £100 when her morgage is £400,her parner is supposed to make up rest

3, her partner hardly works so cant see that happening as his work has slowed alot due to recession,and if he went onto JSA there no way he could pay it,NO income payment protection

but if she rented they would pay upto approx 750 / 800 pcm for here straight away,its madness they wont really help with her housing because its a morgage but if she rents they will and straight away

I think its disgusting,it wasnt her kids or her fault her partner is a twat,where is the logic in these decisions they make,so now not only has her relationship failed,kids in bits,the only home theyve known could be lost

am i unreasonable to be so cross about this

and hopefully people that think benefits come easy please take note,they dont

OP posts:

IUseTooMuchKitchenRoll · 06/02/2012 16:55

It would be better if there was a system that meant the government would take over the mortgage and allow your friend to live there for as long as she wanted to, but would own it as soon as she dies and her children are old enough to live elsewhere. That way they would pay less for her housing, and they would have a property to give to another family who needs social housing in the future.

Birdsgottafly · 06/02/2012 16:56

Offmetrolley- you will be paying though, double the amount when the house is repossessed and she has to rent from a private landlord.

YANBU-the system is stupid, there could be a way around people losing their homes, considering home ownership has been encouraged and noinvestment has been put into a good quality, but affordable, rental system.

TheParanoidAndroid · 06/02/2012 16:57

She threw her husband out and now wants the state to instantly replace her loss of income?

Um, ok.

ballstoit · 06/02/2012 16:57

YANBU

The thing is, if she can't pay the mortgage and he won't, the house will be repossessed. So, ultimately, the taxpayer will pay for housing and probably a lot more than they would have done if the mortgage had been covered while she got on her feet and found a job.

I am interested, as others are, to know how they've been paying the mortgage up til now.

coccyx · 06/02/2012 16:58

well its not the states fault her OH has done this. She needs to work something out with him

Meglet · 06/02/2012 16:59

I do think it's a bit off. Mortgage payments are often far less than rent.

Original poster

thekidsrule · 06/02/2012 17:00

hes on morgage but no work no payment towards morgage,he says he will help but we all know it dosent always go like that, and at mo just trying to get back into her good books so will say/do anything,yes hes on morgage but if he dosent want to pay nobody can make him

she will be ok in the end all very sudden and raw,i will help her as much as i can,but still think its a tad unfair and should say pay for 2yrs to get thing sorted

OP posts:

Original poster

thekidsrule · 06/02/2012 17:01

got to dash for a while,thanks for responses,and will catch up in a while

OP posts:

FredFredGeorge · 06/02/2012 17:01

ballstoit the state will not necessarily be picking up a bill for housing benefit if the house is repossesed, there is presumably equity in the house, which means when it's sold to settle mortgage the owner will be left with a load of cash - often too much for HB.

IUseTooMuchKitchenRoll · 06/02/2012 17:01

Pay for two years to get things sorted?

What things take two years to sort?

littlemisssarcastic · 06/02/2012 17:02

OP, If the govt were to pay her mortgage for a 2 year period, then what?

What if after 2 years, she hasn't found employment that pays enough to pay her mortgage?
What if she becomes ill and can't get a job to pay her mortgage?
What if one or all of her children become long term sick or disabled, and she can't find childcare so can't pay her mortgage?

What you are suggesting is that the govt pay the mortgage, but she retains ownership of the property.

And if govt should pay, morally, then I think there would be many many more people buying a house then letting the govt pay off their mortgage.

Tbqh OP, I'm quite shocked surprised that you think the govt should pay her mortgage.

GypsyMoth · 06/02/2012 17:02

Actually, had an idea!!

Nit sure how it worked, BUT when a friend split with her ex a housing association bought her home ( with her and dc in it still) and rent it back to her

They also replaced kitchen and bathroom to their standards

She gets housing benefit to help with rent

lisaro · 06/02/2012 17:02

Sorry Lesley didn't see that. I obviously didn't read that far............

squeakytoy · 06/02/2012 17:03

If he isnt working, then he can look after his kids and she could look for a job perhaps.

IUseTooMuchKitchenRoll · 06/02/2012 17:03

That's what I suggested ILove!

usualsuspect · 06/02/2012 17:04

The government pay many buy to let landlords mortgages through hb

Original poster

thekidsrule · 06/02/2012 17:05

paranoid,please read my post,he had an affair etc etc,what would you like her to do invite the other women to come live with them all,shed be spinless if i said she was putting up with it

in my book shes done a brave thing,the easy way would be for her to "forgive him"god give me strength

OP posts:

JuliaScurr · 06/02/2012 17:06

Is it really beyond the wit of humanity in an age of computers that the money could be paid back when the house is eventually sold, as it is bound to be eventually?
Housing benefit for rent will also be limited.
Maybe Callmedave has a tent she could borrow?

peekabooby · 06/02/2012 17:07

DH was made redundant two years ago, I was a full time student just going into my final year.

The insurance found some clause so wouldn't cover the payments. DH was out of work for 4 months and we come very close to being repossessed.

We have only just got straight.

I do think that housing benefit should cover the interest but I agree it isn't very fair if it was long term.

What isn't made clear from your OP, how were they making the payments before, if the DH wasn't working much?

peekabooby · 06/02/2012 17:08

*came

littlemisssarcastic · 06/02/2012 17:08

I agree with IUseTooMuchKitchenRoll.

Also, if the govt only pay the mortgage for 2 years, aren't they once again discriminating between tenants and homeowners?

There is no limit on the amount of time you can claim HB to cover your rent, so by your argument OP, it would still be unfair and would possibly still leave your friend and her DC out of their home through no fault of their own.

After 2 years, her youngest will be in school too, and it will be more disruption to her DC to have to move....plus the govt will have contributed towards 2 years of mortgage, only to prolong the inevitable...the house may still get repossessed.

TheParanoidAndroid · 06/02/2012 17:08

Yes I got that, he had an affair, what I'm saying is why would you expect the state to instantly replace him, financially? Thats not how it works in any country of the world I know of...

IUseTooMuchKitchenRoll · 06/02/2012 17:09

The government don't pay buy to let mortgages, well they occasionally do but that's not the intention.

They are paying rent for someone that needs somewhere to live, it's not quite the same because there is someone in the middle that won't end up owning the property.

The majority of BTL mortgages don't accept HB anyway, and even the ones that do don't often have LLs that will accept it, so I don't think it's as big a problem as people on her make it out to be.

squeakytoy · 06/02/2012 17:09

She cannot legally kick him out though.

Is it really beyond the wit of humanity in an age of computers that the money could be paid back when the house is eventually sold, as it is bound to be eventually?

Eh? If it was, we would all do that. "ere, lend me £200k.. I will pay you back in 30 years when my house is worth £500k".. doesnt really work does it.

ballstoit · 06/02/2012 17:11

FredFredGeorge if the house is repossessed then she won't get any equity from the house until it's sold...in the meantime she and her 4 DC will need to be housed.

If neither of them are earning, then what would they have done if he hadn't moved out op?

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