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

Loads of advice on this thread yet op won't be passing it on....

ilovetiffany,i did say there was good advice,no not a campaign,lets not get silly

it would be good if we could all construct an electric chair for the ex to try out and anybody elses ex would be welcome,lol

oh yes i will be passing it on,why would you say that

And if she does get in a complete mess with the mortgage arrears and is faced with homelessness the LA will pay those arrears off as it's cheaper for them to do so than put her family in B&B accommodation.
Things might seem bleak, they really aren't that bad.

Do the LA really pay off mortgage arrears heswall

please answer why it ont be passed on

Ii can understand that the state shoildn't help people buy a house. And yet surely a landlord who rents to Tennants who get housing benefit is getting his mortgage paid off by the state. Then again he also pays tax on his profits.

They certainly do, they have no where to house people facing eviction, if you don't communication with the LA they will deem you to have made yourself homeless so whilst you may need to be the squeeky wheel to make sure you get the oil they will pay off arrears to keep the family in their home and they will come to arrangements with banks and building societies that you and I could only dream of.
And that is for the best I would rather the OP's friend keeps her house than some scummy LL buys it cheaply and then charges the LA a fortune in rent that is paid with HB.

NKF - the interest on the mortgage is tax deductable, they simply make sure the mortgage is always more than the HB rent and they are quids in, I would love to see what % of LL pay any tax including capital gains, very few I would imagine.

She cant kick him out if he doesnt want to go. He has an equal interest in the property if his name is on the mortgage. She needs proper legal advice.

Nkf- the landlord is responsible for paying his own mortgage . He may decide to rent to people on HB - and lord knows, this seems to be one of those situations where mumsnet can't make up its mind , because I've read countless threads where people are desperate to be Able to rent privately while living off benefits!- but at the end of the day, the landlord is responsible for paying his mortgage. If he doesn't get it through HB he'll get it off private renters. It's a business. You may not like it, but you cant say it's the same as someone expecting the state to buy their house because they can't afford it any more. If the landlord can't pay his mortgage, he'll be repossessed. He's not getting his mortgage paid to live their himself! He's providing a service for which there is a demand- and the moment that demand dries up then he is subject to repossession (or earning more to cover costs etc)

OOps to live there himself

O you say you won't be telling her about this thread...... You saw her earlier and now you will be seeing her tonight and be full of helpful suggestions !!

Will you tell her 'they just came to you'?

I stand by everything I have said regardless of the names I have been called. The state or government is not some mysterious giant with a goose that lays golden eggs to give away to everyone who finds themselves in an unfortunate situation. The state has a limited income stream provided by tax money, the government has to decide how to share those funds around as there simply isn't enough for everyone.

We live in a democracy where you can vote for the party whose views most closely match your own on a number of issues including whether money should go on benefits, or the NHS, the Army, Trident or foreign aid to the third richest nation in the world etc.

There simply is not enough money to go round everywhere and no amount of compassion will make it so.

When I joined MN I chose my user name because it reflects my views. I have seen what happens to single income families when that income is removed whether it is by death, disability or unemployment or the wage earner running off with the circus. I decided at age 18 that this would NEVER happen to me or any children I might subsequently have. I have always worked to ensure that neither I or my children were ever in that position. I have worked full time and taken factory work during periods of leave, I have stacked shelves at evenings and weekends, I have cleaned up other people's vomit in pub toilets as well as my full time job. Every parent regardless of gender has to ensure their children have the best start in life they possibly can, if that means restricting yourself to only having the children you can afford or not having kids until you have secure housing for them then so be it.

The state should not be responsible for paying either rent or mortgage for anything but a very limited term and very specific circumstances. Everyone else needs to pre plan for disasters and take responsibility for their own actions, their own choices and their own families.

The LA WILL NOT pay off her mortgage arrears, neither will they be under any obligation whatsoever to help her with rehousing if she doesn't pay her mortgage as she will have made herself intentionally homeless by not paying the mortgage.

I'd hate to see her suffer by assuming there is more support out there for women in her position than there is. If she needs to then getting the house on the market asap may be a smart move.

Welcome to my reality, and that of a lot of other single parents. Sounds harsh but if she can, she should get herself back into work asap, even if only part time as working tax credits are more than child tax credits alone. In the meantime she needs to use her child tax credits and income support to pay the mortage. She should therefore apply for tax credits asap.

The welfare state saftey net has a lot more holes in it that the Daily Mail propaganda makes people realise.

no i wont,well ive managed to take her to job centre plus,numbers for income support and all the rest so im not completley clueless

the thread was i didnt agree with intrest payment V hb,Not asking for info,but by people posting and adding things it may help her,is that so bad

believe it or not ive been on benefit and make no secret of it so i do know some of the system and if i can help i will

pity u cannot say the same,but i think you enjoy a ruck so will leave you to it

Couldn't agree with you more, Takeresponsibility.

I'd go further. You know that money I've been paying you as Child Benefit, and for free medical care and education for your children?

Can I have it back, please?

Our LA would most definitely pay her arrears, I cannot believe one will and one won't. I know this to be absolute fact as I have seen the paperwork.

takeresponibilityI am quite hardline when it comes to piss takers but surely you must realise that its often not that simple,lets hope nothing ever happens to you or yours which simply taking responsibilty wont solve
And what if it is not your choice to be left with a persons children while the other parent goes off to start again and refuses to take responsibilty?

Sure Nilgiri. But when you are old, or sick or if you have an accident, don't expect any help from other peoples grown up children. If you want to support children now, they won't feel an obligation (or desire) to help you later.

No man is an island.

Takeresponsibility, with the best will, and all the planning, in the world, life can sometimes knock you down and you find you need support. You cannot say that you will never need this, so be very careful when you take your lofty position.

want = won't. Should proof read

('Twas irony, karma. But I know, kinda hard to tell at the moment, isn't it?)

Nilgiri...i spotted the irony ;-)

Sorry Nilgiri. People seem kind of harsh at the moment, so I thought you meant it

Mine won't!

It seemed very harsh, so I took it to the top - that is the official policy. Maybe some councils are in a position to be more generous than others. In mine, they'll put your kid in care before they'll pay your mortgage arrears,(I suspect many choose to move in with family etc rather than face that scenario).