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Share your dilemmas and get honest opinions from other Mumsnetters.

Council houses owning brand new cars?

736 replies

TheCluelessMum · 06/05/2025 20:52

I’m writing this post with the hopes of being educated, not slandered

however I completely appreciate I may be just completely shot down for asking this.

i live on a new build estate, 12 houses at the start of the estate are council houses. I don’t know this because I’m a snob, I know this because it’s clearly marked on plans when you buy those houses.

i see so much stuff online about how the UK benefits system is failing people, the higher rise of food banks. It’s absolutely abhorrent people are in this situation.

however, when entering my estate today I noticed that each and every single council house had a car newer that a 20 plate. Mercedes, Audi’s, BMW’s even range rovers.. there was not a single house out of the 12 which had an older than 20 plate car.

I am now confused as to why this is the case? Everyone I know (including those receiving benefits) continually speaks about how hard the cost of living is.

so could someone please answer how/why those in what we would presume lower income families, are able to afford such lavish cars.

OP posts:
HamieandHave · 06/05/2025 22:13

Keirawr · 06/05/2025 20:59

More than half new leased cars are on notability scheme. For people claiming disability benefits. Paid for by other people.

10 million people of working age are not working or not working enough and claiming benefits.

Who said claiming benefits is hard. Literally millions are doing and new cars are being handed out on benefits, the likes of which people in work could bill afford.

That’s why the systems is broken and losing so much support.

Have you got a source for that lease figure?

ThisOpenMauveLurker · 06/05/2025 22:14

Blongie · 06/05/2025 22:12

I don’t understand why if someone works for the NHS (a choice they made and get compensated for, it’s not a charity) it gives them a ring of protection to ever say anything whatsoever they may disagree with?

the NHS is the biggest employer in the country- are we really not past the ‘NHS Heroes’ trope?

Oh do troll off, mate.

User46576 · 06/05/2025 22:15

XenoBitch · 06/05/2025 21:06

Council housing is not subsidised.

If a family is at risk of losing their home if they get a better job, then there is no incentive to do better.
People do better in life generally when they have a secure home.

We need more social housing.

Council housing is subsidized. Building and maintenance of social housing is subsidized at below market rates by public funds. Given that so many people who are living in them don’t need public subsidies, u get why people are angry

TheCluelessMum · 06/05/2025 22:16

Sorry if people think I’ve caused offence or tried to “wind people up”

im going to request this post is removed. There is too much hate, all I did was ask a question on something I wasn’t sure on.

recommendation - don’t ask questions on mumsnet to try and learn

OP posts:
Macaroni46 · 06/05/2025 22:16

WildflowerConstellations · 06/05/2025 22:09

Bad idea. What incentive would anyone have to improve their financial situation if doing so would mean loss of security of tenure and getting kicked out on the street into the housing crisis where they'd quite possibly end up losing more in rent than the extra they're now earning, or having to move so far away they can't keep their job, and potentially face homelessness the whim of a private landlord?

No more of a disincentive than those of us scraping together a meagre living working long hours to pay off a mortgage. Paying tax. Oh and driving around an old banger.

Kirbert2 · 06/05/2025 22:16

ThisOpenMauveLurker · 06/05/2025 22:08

Some MNers (and hairy handed visitors) would still think the disabled were being spoiled if the State paid for them to sleep standing up every night at the Workhouse (happened in the Victorian era).

Disability could happen to any of you tomorrow.

Or their children.

I had a healthy child for 8 years, I worked, I didn't need any benefits.

Everything changed overnight.

1,645 children aged 14 and under in the UK are diagnosed with cancer each year. If your child is lucky enough to survive, it leaves its scars and life will never be the same again.

No one thinks it will be their child until it suddenly is.

Blongie · 06/05/2025 22:17

ThisOpenMauveLurker · 06/05/2025 22:14

Oh do troll off, mate.

Care to expand? Hit a nerve?

a large fraction of those I’ve encountered in the NHS are rude, entitled and pretty bad at their jobs.

LadyKenya · 06/05/2025 22:17

Keirawr · 06/05/2025 21:57

So handed out then.

No. Wrong. Try again.

Bestfadeplans · 06/05/2025 22:17

The majority of people are eligible for council housing. You don't have to be skint.

finallyskinny · 06/05/2025 22:18

Beeloux · 06/05/2025 22:13

I wasn’t aiming my post at you. Of course you're entitled to your home, especially if your dc cant live independently.
It’s more the couples who pretend to be single parents and fiddle the system in order to get a council house. I know of one immigrant family in a council house who also have a huge home in their home country!

we where very lucky to get re homed in the country side (semi detached over looking feilds) our house was brought from an old man, the council bought 8 houses in the village. no one wants to live out here because there's nothing here not even a local shop! we feel safe here and having only 6 houses on the street the security we have from nosy neighbours means we settled in with no worries. I know of people gwtting 3 bed houses and it's just a couple no children as their children where taken away years ago and they never told the housing. I think In these situations they shouldn't be living I the affordable houses with more bedrooms than needed.

ThisOpenMauveLurker · 06/05/2025 22:18

Kirbert2 · 06/05/2025 22:16

Or their children.

I had a healthy child for 8 years, I worked, I didn't need any benefits.

Everything changed overnight.

1,645 children aged 14 and under in the UK are diagnosed with cancer each year. If your child is lucky enough to survive, it leaves its scars and life will never be the same again.

No one thinks it will be their child until it suddenly is.

Edited

I am so sorry.

HamieandHave · 06/05/2025 22:20

XenoBitch · 06/05/2025 21:40

Either cars on the Motability scheme (which means they are disabled... lets not get jealous of that, yes?), or the cars are hire purchase/lease.

That specific poster said people were spending spare cash. Not finance.

Beeloux · 06/05/2025 22:21

finallyskinny · 06/05/2025 22:18

we where very lucky to get re homed in the country side (semi detached over looking feilds) our house was brought from an old man, the council bought 8 houses in the village. no one wants to live out here because there's nothing here not even a local shop! we feel safe here and having only 6 houses on the street the security we have from nosy neighbours means we settled in with no worries. I know of people gwtting 3 bed houses and it's just a couple no children as their children where taken away years ago and they never told the housing. I think In these situations they shouldn't be living I the affordable houses with more bedrooms than needed.

I completely agree. Happy you got your home. 😊

Willyoujustbequiet · 06/05/2025 22:21

PluckyCheeks · 06/05/2025 21:02

Story of my life. We are surrounded by people with 24 plates yet we are the only homeowners (ex LA) and are about to buy a 10 yr old car as that’s all we can just about afford.

People on benefits seem to not be able to plan for the future and cannot delay gratification, hence they use their spare case to lease a flashy car. There’s also a cultural element, where we live, at least.

Edited

What a sweeping ignorant statement.

There are nurses, teachers etc..on universal credit.

WildflowerConstellations · 06/05/2025 22:21

I'm curious as to what exactly a Council tenant needs to do to be worthy.

One must not claim benefits, especially not disability-related ones, especially not when one has mobility needs that require transport to carry out activities of daily living. While not claiming benefits, one must not progress in ones career or make desirable purchases, nor lease desirable items. One must - and this one's a trick - be homeless, despite the fact that once in social housing one ceased ~like magic~ to be homeless and thus ~abracadabra~ is immediately undeserving. To meet the Acceptable Social Tenant Standard one must sustain a state of unmet need and working poverty and homelessness in perpetuity. To ensure this, Councils must now spend their HRA budgets on enforcement of the Standard.

VeterinaryCareAssistant · 06/05/2025 22:21

vodkaredbullgirl · 06/05/2025 21:36

I know a couple who's kids have flown the nest and still live in theirs.

So do my partner and I, in a 3 bed and our kids have flown the nest (bar one 17 Yr old)

Arran2024 · 06/05/2025 22:21

Macaroni46 · 06/05/2025 22:16

No more of a disincentive than those of us scraping together a meagre living working long hours to pay off a mortgage. Paying tax. Oh and driving around an old banger.

You own the house at the end of a mortgage. You don't when you rent from the council.

ThisOpenMauveLurker · 06/05/2025 22:22

Blongie · 06/05/2025 22:17

Care to expand? Hit a nerve?

a large fraction of those I’ve encountered in the NHS are rude, entitled and pretty bad at their jobs.

Not at all, despite your basement-dwelling attempts to antagonise. Perhaps what you perceive as rudeness wasn’t sufficiently bowing-and- scraping at your diamond shoes whilst worrying about where to live and how to afford it.

Perhaps try private care next time, only you’ll complain all the nurses are Not English 😆

PluckyCheeks · 06/05/2025 22:22

Blongie · 06/05/2025 22:01

Same here- hence why I can say it confidently.

its not just the ‘benefit’ amount it’s all the other extras too.

its really not difficult with even just one parent on PIP and one child on high rates DLA to get getting £5000 per month.

It is indeed a very uncomfortable truth. I would be so much better off financially if I kicked out my children’s father and became a single mum.

Yes, I should have tried to catch a man who earned more than 50k, but beggars can’t be choosers 😂

LadyKenya · 06/05/2025 22:22

PluckyCheeks · 06/05/2025 21:58

Well, assuming they’re on benefits, spare cash may come from:

  • Universal Credit
  • Not having to pay rent or mortgage
  • No council tax
  • Healthy Start payments for food (around £25 per child per month)
  • Regular supermarket vouchers from your council. Tend to be every school holiday and about £90 a time.
  • Cost of Living Payments (£300 a go)
  • Household Support funding (into the £100s)
  • Child benefit (around £200 per month for 2 kids)
  • Not having to pay service charges for your block of flats
  • Cheap entry to places like London Zoo (£6 per adult instead of £30+) and council gym activities like Soft Play which costs us £13 each time but is only a couple of quid if you’re on benefits.
  • Vastly reduced gym membership at council gyms. Around £12 per month at my local one instead of nearly £100 if not on bennies.
  • Food bank access. Saves a lot of money!
  • PIP if you manage to claim it (£749 pm)
  • Free school meals and other help with children attending school.
  • 30 free hours at nursery instead of 15, even if you’re not working but in receipt of UC.
  • DLA and Carers allowance if you can prove one or more of your kids has ADHD, ASD, etc.
  • Reduced utility bills for Thames Water, Broadband, mobile and electricity (just provide proof of UC).
  • Winter fuel payments if temp dips below a certain amount for a certain time (don’t need to be old).
  • New kitchen and bathroom installed every number of years.
  • not having to pay out for roof repairs or any sort of other home maintenance repairs.

I’m sure I’m forgetting some!

But anyway, getting the full raft of benefits often leaves you better off month to month than a non benefit family where one parent works and the other is a SAHP, or even where both parents work but are on low-ish income. I’ve been on both sides of the fence and had more disposable cash on benefits.

Edited

Wow that was quick. You did not even know about PIP, an hour ago, yet go girl, you sound like an expert on benefits. Impressive!🥱

ThisOpenMauveLurker · 06/05/2025 22:24

WildflowerConstellations · 06/05/2025 22:21

I'm curious as to what exactly a Council tenant needs to do to be worthy.

One must not claim benefits, especially not disability-related ones, especially not when one has mobility needs that require transport to carry out activities of daily living. While not claiming benefits, one must not progress in ones career or make desirable purchases, nor lease desirable items. One must - and this one's a trick - be homeless, despite the fact that once in social housing one ceased ~like magic~ to be homeless and thus ~abracadabra~ is immediately undeserving. To meet the Acceptable Social Tenant Standard one must sustain a state of unmet need and working poverty and homelessness in perpetuity. To ensure this, Councils must now spend their HRA budgets on enforcement of the Standard.

Edited

Certain people just despise The Poor, yet depend on their low paid labour for everything.

Kirbert2 · 06/05/2025 22:25

ThisOpenMauveLurker · 06/05/2025 22:18

I am so sorry.

He's still here and he very nearly wasn't. I'm grateful every day that he's here and he's in remission but, of course, we don't know what the future holds.

I'd give up DLA and the car in a second if I could wipe out this past year like it had never happened.

XenoBitch · 06/05/2025 22:26

Arran2024 · 06/05/2025 22:21

You own the house at the end of a mortgage. You don't when you rent from the council.

Yep. My parents have only ever rented from the council. They have been in their current house for about 35 years. Still paying rent, and will do until they die.

PluckyCheeks · 06/05/2025 22:26

XenoBitch · 06/05/2025 22:03

I don't have kids so I guess I am doing benefits all wrong.

Jokes aside, it is.

HamieandHave · 06/05/2025 22:28

@XenoBitch

sorry I actually misread that poster. Apparently they are suggesting these unemployed people are leasing cars. I wonder how they get approved for finance on UC.

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