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Claiming housing benifit on UC

36 replies

Cupofteaonesugar · 26/08/2022 20:47

So I have no experience of claiming housing benifit as I've never done it so I'm sorry if this sounds a ridiculous question.
I claim UC. I work PT and I live at my parents house.
I pay them monthly "rent" as we have a fe aroma to ourselves. I was originally told that as it's not formal I cannot claim this under housing benifit. What do I need to do to make this formal? Would my parents have to create a contract with me? Or is this just not possible?
I just feel like I could be entitled to some support but don't have the correct paperwork!

OP posts:
CiderJolly · 27/08/2022 09:52

I can’t see the op’s parents moving her out with her kids to move someone in (and all the hassle that entails) to then evict the tenants to then move the op back in.

Think it’s quite clear the op needs more money (don’t we all!) and was thinking of this as a way to get more money out of the benefit system.

At £350 a month I don’t think she will get it any better by moving out either- even if she can then claim housing.

Babyroobs · 27/08/2022 10:02

CiderJolly · 27/08/2022 09:52

I can’t see the op’s parents moving her out with her kids to move someone in (and all the hassle that entails) to then evict the tenants to then move the op back in.

Think it’s quite clear the op needs more money (don’t we all!) and was thinking of this as a way to get more money out of the benefit system.

At £350 a month I don’t think she will get it any better by moving out either- even if she can then claim housing.

Exactly.
Whist op is not claiming the rent element of Uc she gets a higher work allowance meaning the first £573 of her wages is completely disregarded before earnings reduce her UC. If she even was able to claim rent element whilst living back at home with her parents( which she isn't and rightly so in my opinion ), that work allowance would fall to £344. So I think actually because rent is low anyway it wouldn't make a vast amount of difference to the amount of UC she would actually see an increase of. Not worth the hassle for the small amount of extra it could bring if by some miracle she was able to claim it.

Skyeheather · 27/08/2022 11:40

If OP's parents claim HB/UC Housing Element for their property there is no need for OP to claim as the Government are already covering the rent on the property.

If OP's parents have a mortgage, they have been given that mortgage from the mortgage company on the understanding that they can afford the monthly payment based on their earnings alone so they don't need any extra money from OP to pay for the house. OP is not on the mortgage so has no responsibility for it.

If OP's parents own their house outright then there is no mortgage or rent to pay on the property.

If OP's parents privately rent their house and need help with the rent then OP would need to get her name put on the tenancy agreement so the property is rented equally between three people. OP might then be able to put in a claim for housing benefit but her parents income will be included in the claim so she probably won't be entitled to anything if they work.

As pp it sounds like OP is just looking for some extra money. If OP has several rooms at her parents house, it sounds like her parents own a big house. Maybe they could afford to let her off the rent and she just pays a percentage of the bills and her own food.

Drivebye · 27/08/2022 11:49

So everyone should live with their parents if they have room then regardless of whether the house is owner occupied, rented with the rent paid privately or through UC.

Therefore anyone who had a housing association property should house their DC if those dc cannot afford to rent on their own ie those dc should not be allowed to go on the housing register.

Because it should work both ways. Your parents have a house that is big enough you stay there for free or you move out and pay your own rent

CiderJolly · 27/08/2022 13:09

@Drivebye I’m not entirely sure of the point you are trying to make.

But I don’t see why a private, family arrangement between grown up offspring and parents has anything to do with the welfare system/the state. The welfare system is a basic safety net to stop the most vulnerable/the most poor from being destitute. There has to be limits. The op can work part time so its not completely unreasonable to think that she might be able to work full time or get a better paid job. Those are the things to explore first- not more benefits when she already has a roof over her head and cheap board.

The ideal is that people can stand on their own two feet- and I know it’s ridiculously hard at the moment to afford decent housing for a lot of people. I don’t think the solution is more benefits though- the housing crisis is an issue all on it’s own- too complicated for my brain if the government clearly haven’t solved it.

Cupofteaonesugar · 27/08/2022 14:21

CiderJolly · 27/08/2022 13:09

@Drivebye I’m not entirely sure of the point you are trying to make.

But I don’t see why a private, family arrangement between grown up offspring and parents has anything to do with the welfare system/the state. The welfare system is a basic safety net to stop the most vulnerable/the most poor from being destitute. There has to be limits. The op can work part time so its not completely unreasonable to think that she might be able to work full time or get a better paid job. Those are the things to explore first- not more benefits when she already has a roof over her head and cheap board.

The ideal is that people can stand on their own two feet- and I know it’s ridiculously hard at the moment to afford decent housing for a lot of people. I don’t think the solution is more benefits though- the housing crisis is an issue all on it’s own- too complicated for my brain if the government clearly haven’t solved it.

Cheap board?
Not unreasonable to expect full time work?

Wow those are quite some assumptions you are making there!

OP posts:
Cupofteaonesugar · 27/08/2022 14:22

Skyeheather · 27/08/2022 11:40

If OP's parents claim HB/UC Housing Element for their property there is no need for OP to claim as the Government are already covering the rent on the property.

If OP's parents have a mortgage, they have been given that mortgage from the mortgage company on the understanding that they can afford the monthly payment based on their earnings alone so they don't need any extra money from OP to pay for the house. OP is not on the mortgage so has no responsibility for it.

If OP's parents own their house outright then there is no mortgage or rent to pay on the property.

If OP's parents privately rent their house and need help with the rent then OP would need to get her name put on the tenancy agreement so the property is rented equally between three people. OP might then be able to put in a claim for housing benefit but her parents income will be included in the claim so she probably won't be entitled to anything if they work.

As pp it sounds like OP is just looking for some extra money. If OP has several rooms at her parents house, it sounds like her parents own a big house. Maybe they could afford to let her off the rent and she just pays a percentage of the bills and her own food.

I'm not looking for extra money. I pay my parents rent each month and I just wondered if it fell under housing I had no experience or idea how that worked.
But it doesn't work like that so that's fair.
Asking the question doesn't make me a money grabber.
I work hard as a single working parent!

OP posts:
Drivebye · 27/08/2022 15:03

I didn't view this as the OP looking for money rather enquiring if she would qualify for any support whilst living with her parents.

My last point was that it would seem that if you own your own property and support yourself you are also expected to support your children. If however you live in social housing/housing association it's ok for your children to leave as soon as they can and go on the list for their own property. The same with care - you get it all paid if you can't afford it, no expectation that family will support however got a bit of cash then you are expected to either do all the caring or pay. I'm happy to be told I'm wrong.

CiderJolly · 27/08/2022 15:30

@Drivebye that’s right, in the main welfare is based upon need isn’t it?

@Cupofteaonesugar I just said it’s not wholly unreasonable to think you ‘might’ be able to increase hrs and/or increase pay as you work already. If this offends you then so be it. And yeah I don’t know your circumstances as you don’t know mine, but if you post a thread about finances with limited info then people will make assumptions in order to answer.

Cupofteaonesugar · 27/08/2022 17:58

@CiderJolly but my answer and point to this thread has been answered yet you're digressing and making assumptions about me and my family.
If I wanted some further advice on it or was asking for different opinions on my parents house or where I should live I would make a thread as such but I was genuinely just asking a question about housing costs because as I made it abundantly clear I don't know anything about it. Nothing more or nothing less.
Also,
Someone changing their hours from part to full time isn't an easy transition for many and for a lot not even possible so I don't think it's a fair assumption at all that I could just change my hours.
Like you said you no nothing about me and o know nothing about you yet there you are making irrelevant assumptions.

OP posts:
Cupofteaonesugar · 27/08/2022 17:59

Drivebye · 27/08/2022 15:03

I didn't view this as the OP looking for money rather enquiring if she would qualify for any support whilst living with her parents.

My last point was that it would seem that if you own your own property and support yourself you are also expected to support your children. If however you live in social housing/housing association it's ok for your children to leave as soon as they can and go on the list for their own property. The same with care - you get it all paid if you can't afford it, no expectation that family will support however got a bit of cash then you are expected to either do all the caring or pay. I'm happy to be told I'm wrong.

Thank you very much for that comment. I needed that after reading the replies on here ♥️

OP posts:
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