Page 17 | To be gutted at losing my benefit

Thinkingg · 04/12/2020 15:27

Great post @DuckingFogg

SarahFrances89 · 04/12/2020 16:38

I do think you're being unreasonable. UC is there to help the people who need it - that's not you with over £16k in the bank. And there are plenty of help to buy / shared ownership schemes where that would be more than enough house deposit, even in the south east. I hope you can use it to help your circumstances but if you don't then UC will be there for yout to use again in the future. I sympathise with your reasons for not being able to work much but I also don't think people should feel entitled to sit on UC and other benefits forever. I have to work and pay expensive rent and bills as do most people. That's just life (and I suffer from mental ill health too).

AlternativePerspective · 04/12/2020 16:49

my name is on a property I dont live in. My ex lives in it and I have no financial interest in it never paid the mortgage ex has always paid it and I dont get any money from him. Because there is alot of equity in it they are saying I have overc16.000 capital so I cant get universal credit council tax support nothing Best to get one’s story straight if one is going to post about the same thing on multiple occasions....

AlternativePerspective · 04/12/2020 16:53

From the OP:

I have always struggled never had 2 Penny's to rub together and it just so happens I will go over the 16000 mark with this money and know i must sound greedy but my income is very low and i am scared this money will all go on living costs.
So either: OP is a money grabber who thinks that she is hard done-by despite owning a property and having £26k in the bank,

Or this is a post designed to fish for ways to defraud the benefits system....

orangenasturtium · 04/12/2020 17:07

@AlternativePerspective

my name is on a property I dont live in. My ex lives in it and I have no financial interest in it never paid the mortgage ex has always paid it and I dont get any money from him. Because there is alot of equity in it they are saying I have overc16.000 capital so I cant get universal credit council tax support nothing Best to get one’s story straight if one is going to post about the same thing on multiple occasions....

I suppose it is possible that the OP has change the details for privacy and the money is from the sale of the ex's house rather than her parents' house.

OP is a money grabber who thinks that she is hard done-by despite owning a property and having £26k in the bank To be fair, I interpret the previous post about "owning" a house to mean that she doesn't actually own the house, it's just that her name is on the deeds.

It's possible that OP took out a joint mortgage with her ex but made no financial contribution or he bought her out. If he can't get another mortgage on his own, the mortgage might still be in both names, and her name on the deeds so it is assumed by DWP that she has equity in the property when she doesn't. The OP may not have been able to afford to take the ex to court to sort it out. It's not an unheard of situation.

laudete · 04/12/2020 17:30

Sorry for your loss, OP.

I'd suggest you use the money for (1) paying off any debts, (2) pension contributions, and (3) investing in your career eg education or training, setting up a small self-employed business/side-gig, car for commuting, etc. There are other things you could spend the money on but you indicated that your main goal is your future security.

Grenlei · 04/12/2020 17:44

@orangenasturtium I agree this might be the money from the sale of the house rather than an inheritance. The issue for me is not where the money's coming from, in some ways that is irrelevant, but the OP starts off by saying she is LOSING her UC entitlement, yet in April she had too much money (because of the house situation) to even qualify for UC! So if this is now the house monies coming through, she won't be any worse off because she had no UC claim to lose. As far as benefit entitlements go, both that post and this one can't be true.

As Alternative said, it seems like this is a post fishing for ways to defraud the system.

Mrgrinch · 04/12/2020 18:39

Or this is a post designed to fish for ways to defraud the benefits system....

Bingo I'd say.
I reported this thread for that exact reason and they've left it up, along with the numerous suggestions of ways to unlawfully claim.

orangenasturtium · 04/12/2020 18:52

As I said, I suppose it is possible...

I am inclinded to agree with you though @Grenlei, Mrgrinch and AlternativePerspective

AlternativePerspective · 04/12/2020 19:07

I reported it for the same reasons although I reported a couple of the illegal posts separately and they were taken down. Thing is, there are too many of them, and too many posts that quote them to be able to go through and report them all.

Original poster

Clappingforjoy · 04/12/2020 19:19

I split from a previous partner and have no interest in previous residence never recieved a penny didnt wish to pursue it so no this isnt fishing fgs

OP posts:

Original poster

Clappingforjoy · 04/12/2020 19:22

Honest to god such suspicious minds on here report all you like this was a genuine post my ex still lives there with ds I have moved into my own place and recieve nothing from ex and never will.

OP posts:

Original poster

Clappingforjoy · 04/12/2020 19:24

I declared my name on the mortgage and uc told me they wouldnt be taking it into account so I started receiving uc now the issue is money inherited from sale of parents house I am genuine and I am quite honestly upset at these suggestions

OP posts:

LadyFelsham · 04/12/2020 21:11

You are entitled to some of the equity in that house, surely.

If not, you need to get your name taken off the deeds.

Original poster

Clappingforjoy · 04/12/2020 21:15

Lady I dont intend to rock the boat with ex also my ds lives there even though he is a adult now we are on good terms so I've left it.
I cant believe people on here accusing me of fishing for ways to defraud the system and bloody reporting me jesus wept

OP posts:

LadyFelsham · 04/12/2020 21:29

I suppose people feel that you do have the equity, you just choose not to use it. You have been able to sort of gift your adult son a house and many people can't do that.

Anyway, I hope you put the other money to good use for your future and that it brings you good.

CayrolBaaaskin · 04/12/2020 21:33

@Clappingforjoy you said you weren’t getting uc in another post because you have equity in a property. Yet on this thread you claim you are desperate to buy a house. Yet it seem you already own one.

Further you are now claiming you do get uc but think it shouldn’t be stopped just because you have £26000 in savings.

So now you have a house, £26000 in savings and still think you are hard done by because you are not getting benefits too? Does that cover it?

Original poster

Clappingforjoy · 04/12/2020 21:37

I was told I was unlikely to get it has for the house I will never benefit financially from it my son will.
Anyway I have nothing to hide

OP posts:

Original poster

Clappingforjoy · 04/12/2020 21:42

Lady we almost didnt get anything because my mom was in care but luckily qualified for chc. Inheritance isnt always guaranteed.

OP posts:

DrCoconut · 04/12/2020 22:43

@tttigress definitely. It's not that long since I saw someone on here claim that £80k is not a life changing sum. It's probably the same people who begrudge the low paid any help as it's too much money. I have lost the file now I think but for my MA I calculated the cost to the country of helping someone self improve vs forcing them to stay in poverty. The first option worked out slightly more costly in the short term with things such as student loans or help with childcare, but much better long term as the person earned more, paid more tax and got less benefits, bought their own home, were able to improve their children's prospects etc.

Tessabelle74 · 04/12/2020 22:49

DON'T BUY A SHARED OWNERSHIP HOME! Ours is like a bloody millstone around our necks! We can't afford to buy any more due to paying the rent portion and it's so restrictive as to who you can sell it on to its practically impossible!

SarahFrances89 · 06/12/2020 11:50

@Clappingforjoy you have £26k and a secure house for your son. You’re better off than millions of people who work full-time (or more). You ARE getting advice on how to defraud the benefits system and also feeling hard done by throughout. That’s why you’re getting little sympathy - you’re in a very good position and no, shouldn’t receive benefits. You have money - spend it to improve your situation and not reply on benefits, certainly in the short term if not ideally the long term.

CakeRequired · 06/12/2020 12:09

What debts do you have that have made your credit score so bad?

roarfeckingroarr · 06/12/2020 12:27

OP it's not earned, it's a gift. Much like your benefits. It would be a kick in the face to tax payers if you were still receiving benefits when you have a big chunk of money in the bank. I'm trying to think kindly but - short of using it for a housing deposit so you don't receive housing benefit anymore - I genuinely cannot see how you think your benefits shouldn't be stopped when you have significant savings.

Gwenhwyfar · 06/12/2020 12:31

@Tessabelle74

DON'T BUY A SHARED OWNERSHIP HOME! Ours is like a bloody millstone around our necks! We can't afford to buy any more due to paying the rent portion and it's so restrictive as to who you can sell it on to its practically impossible!

That's so sad. It's the only way so many people can get on the ladder. I considered it, but you can't let it out so basically means you'd be really stuck living in the same place and I needed more flexibility.