Hi I currently live in a 3 bed housing association semi and have lived here for 34 years. Only one of my children still live at home and therefore I’m being hit by the bedroom tax of £84 monthly and can’t afford to pay it so I decided to go onto the bidding site for a smaller 2 bed property and was put at band A which is highest priority. I must add here that I have rent arrears due to bedroom tax at my current home but had an agreement to pay this monthly to avoid court action and which I’ve since broken (four months ago) due to my son leaving college and me no longer getting any money for him. I’m on universal credit as I had to have a small heart operation last March and haven’t been able to find work since due to covid. Anyway... I digress.... I was considering moving to avoid bedroom tax and I got offered a 2 bedroom new build house from a different housing association to the one I’m already with and they stated if I move with them then I’m no longer at Fisk if loosing my home should my current housing association decide to enforce although I would still owe them my rent arrears however because this is a new build and even though it’s terraced and smaller it’s mire expensive rent wise which is mostly covered by universal credit but I’m now going to be hit by the benefit cap and will have to pay a proportion of the rent myself which is £77 so by moving I will be approximately £7 per month better off. I’ve looked around the new house and for a 2 bed it is actually quite spacious and the layout downstairs is almost identical to my current home... stairs on the left kitchen on the right lounge at the back with french patio doors leading out to the garden. I love the bright airy feel of the new house and the location is quiet on a road not an estate overlooking woods and fields and around a mile further away from where I am at the moment. My home at the moment is probably 700 yds away in either way from my two daughters who live in opposite roads. Every time I’m at new house I can plan where things would go etc yet as soon as I’m back home I’m in utter panic and turmoil at the thought of leaving. I’ve recently decorated laid new flooring and carpet at my current home. I feel happy content safe and everything is familiar here at my current home. I love it here and the only reason to move was financial really and maybe a little curiosity thrown in but now I’m faced with reality I’m struggling in a daily basis on what I should do and I’m terrified of moving to new house to then panic and continuously miss and be unhappy because I can’t get my old house back. On Monday the new housing association said I had to sign for the keys or they would give it to someone else so I signed for them then immediately felt panicky and cried and so the very next day I sought information from shelter and asked them have I automatically forefitted my tenancy with my current home because of signing a new tenancy with another housing association and the answer was “no” and that’s because quite often when people are moving to either get a larger house or smaller one they are asked to sign up on viewing day so quite often people have two tenancies running concurrently until they give four weeks written notice to quit to the one they don’t want so I do still have entitlement to my current home so if I wanted to change my decision that I obviously made when I signed for new house then I can. I also have a tenancy sustainment officer for my current home and I’ve asked her to check with the rent department where I stand regarding whether they will take court action soon to try to evict me or not because obvious if they are then taking the new house is the best option but if they say they won’t providing I continue to from now on pay bedroom tax (Son now giving me £100 per month) then I can decide to stay if I choose too. Please help me decide what’s right and what you think I’m wanting to do by reading between the lines.. I’m so stuck right now and desperate for others opinions ty