fuming for friend = Housing benefit V morgage payments

[thekidsrule]

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

The landlord will end up owning the property that has been paid for by the tenants hb

So the government are paying the LL mortgage

With the housing market the way it is, she might not get any equity when it IS sold...

I don't really see the difference tbh between the government paying interest only on a mortgage and paying housing benefit for rent. Most mortgage companies would accept someone moving to an interest only mortgage. This way the government is not paying off the mortgage, but person still gets to keep a roof over their head.

How was she paying the mortgage before, if her ex p wasn't working and she can't afford it now he has gone? Unless she can buy him out then she will have to sell anyway surely? It is a rubbish situation for her though :(

surely her ex should pay the mortgage? she needs to get some legal advice off a lawyer really

usualsuspect makes a good point. HB will be paying someone's mortgage, I'd rather a family than a LL with lots of properties!

Actually, I'd rather proper social housing at sensible rents, but that's another thread...

Where is the exH??

How is he paying for new accommodation?

Op, tell your friend to get on the local housing list.

well quite, the lack of social housing has caused allsorts of problems in this country

Yes , I'd rather HB went to local councils than towards a BTL landlords mortgage tbh

1. He had an affair, he's an a*hole but plenty of people have affairs and work at their relationships - this may not be right for her but it is her choice to throw him out it's not mandatory. It's not my fault he had an affair or that she chose to throw him out because of it - why should I, as a taxpayer, thereforee foot the bill?

1. If he can't pay the mortgage because his work has dried up then this would still be the situation whether they were together or not.

1. They are jointly and severally liable for the mortgage, if he can't/won't pay then she will have to. If he can't find work in his own field then he will have to pick spuds or stack shelves. If one parent really can't find any way to support and house their kids then the other will have to.

Lesley the difference is that she would end up owning it if they pid her mortgage instead of her rent.

It would be perfect if they would pay her mortgage but said that she was still responsible for the upkeep and it would go back into social housing when she dies.

HB does not buy landlords a property just for the sake of it. HB pays so that the claimant has somewhere to live, and so that there is a LL responsible for that property.

A house is an asset.... at the moment equity in many houses is low.
I don't think taxes should be used to fund assets in this way.

I never said they paid for the sake of it , I was just stating a fact

I am sure the last thing on the womans mind is the expense to the taxpayer, oh i do love these corkers :o

lesley33 Govt already do help home owners on means tested benefits with interest on mortgage payments.
They have reduced the time you wait for help from 6 months + to 13 weeks.
You can claim for mortgage interest on up to £200K of your mortgage.

By my calculations, OP's friend could get help with the interest on her mortgage for at least the next 4 years!!!

OP, does your friend work? Because if she doesn't, this would seem the most obvious way to sort out her problems. She should be able to cover a £400 mortgage if she has a job and benefits. Not ideal for her to have to do that on her own with him potentially benefitting financially from having the mortgage paid for him, but at least she and her DCs will have a roof over their head (which I would think to be the priority here).

kitchenroll I agree with what you say except for the 'when she dies' bit. I think once the youngest reaches a certain age would be better

yabu

Lots of questions raised by this:

How was the mortgage paid up to now, if her ex doesn't do much work?
Why should the state pay her mortgage? A house is an asset. It's crap that her husband has treated her badly but that isn't the states fault.
Why can't she work? £400 per month is actually really not much at all for housing costs. 3 of her 4 children are in school. She should easily be able to find work which covers that. She'd get a big wodge of her childcare paid by the state too if her earning power is low
Why wasn't she working and her ex a SAHP as he doesn't seem to have worked much anyway

It's not for the state to pay mortgages. Really? Hey pay the landlords' mortgages!!!

In saying that, whilst it might seem more cost effective & less disruptive to pay her mortgage & not her rent, it's not the right message or incentive is it? Her sod of an ex better step up soon for the sake of his kids. If not, she will lose her house. Sad, but common.

Easily be able to find work? yeah right good luck to her with that one

Actually the whole thing is irrelevant if we had the choice where our tax £££s went I would be paying for cancer sufferers to have all known treatments whatever the expense, respite care for carers of disabled family members, benefits and housing for the disabled. Anyone else - you ain't paid in - you don't take out, and even if you have worked you get very basic assistance for one year and after that it stops. Bring back the workhouses.

why should her mortgage be paid? one day she will own the house,

As easy as it is for any of the rest of us yes.
God, id be laughing if I only had to pay £400 a month on a mortgage

agincourt,thanks my thinking at this time

how they paid before,he had some work,then used ctc (didnt get much) child benefit,overdraft

she did say about working,but i said to sought out as much now then think of that down the track,obviously childcare will be an issue but i thought if she could sought some finances out she could sought the work later,she has and will work again but obviously this is a bolt from the blue so just trying to get basics covered

hes moved in with a friend so i suppose he will pay when he decideds to grow a pair and man up