teandcake, you are right. it is expensive to move. you can borrow but it is taken back from your benefit, and i think there is only a certain level you can borrow to. i guess if you borrow and it comes out of your already shrinking benefits and shrinking HB then you will be in a very hard place.
shelter used to have, dont know if still has, an article about people living in private accom. it was so right when it said that tennants didnt like to complain too much for fear of rent being put up and then not affording the rent. i know a woman who was in this situation-one whole side of her inside wall was green and black with mould. in the end she did complain and still the landlord did nothing. when she left the house the landlord re-did the wall, painted it etc and wacked up the rent for new tennants. the landlord wasn't bothered while she was getting her 'rent' [partly from HB]-even with 2 small kids breathing it in everyday.
not sure what my point was now...