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The UKFibromyalgia Forums • View topic - benefits payments and mortgage



benefits payments and mortgage

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benefits payments and mortgage

Postby migrembe » Thu Aug 14, 2014 8:45 am

Firstly i live on my own and had to give up work due to ill health about 4 years ago.

Although i had a charity help pay for my mortgage for a year as no one else would that year as long gone.

I receive ESA support group payments and £313 disability payment every four weeks.

DWP pay only £71 every 4 weeks towards my mortgage and as i had to buy my ex-husband out of my house some years ago it is now quite high at £350.00 plus the the £71 from DWP each month.

My mortgage is now 2k in arrears and they understandably are not happy.

However i am becoming trapped in my house and really need a scooter to get out even to a nearby shop or the dr's and can hire one but would have to use some of the money from my disability payments to do so leaving me not enough money to pay my mortgage.

Also i cannot sell the house because i would be making myself homeless and therefore ineligible for a council property or even council homeless help.

If i hand back the keys then it is the same as above.

I cannot rent a room out as it would affect my benefits and who would want to live with a disabled person?

If the bank repossesses the house then the council have said they would either offer me one room in a shared house or bed and breakfast until a property comes up, which could be two years.

I could rent privately but it's very expensive and the council will only pay a certain amount and they also have the right if the property is too much over that amount to refuse to pay and say it is unsuitable.

So i don't know what to do. If i pay less on my mortgage can they legally repossess the house whilst i am on housing benefit as one girl from the mortgage people let slip that they couldn't.

Any advice needed, thanks. Beverley
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Re: benefits payments and mortgage

Postby hazely » Thu Aug 14, 2014 8:53 am

Hi i think you need to go to citizens advice or fightback4 justice on face book to get some professional advice. Best of look x
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Re: benefits payments and mortgage

Postby Jeany » Thu Aug 14, 2014 9:30 am

Your mortgage provider should be doing everything they can to help you out. I used to work as a Mortgage Consultant and helped to keep people from going into arrears, so I know what they can do to help you.

Call them and ask them to consider putting you onto a lower rate of interest, which will of course reduce your monthly payment, AND to extend your term on the mortgage which would reduce it even more.

Make sure that you never completely miss a monthly payment. As long as you are doing your best they should be reasonable, and prepared to help you.
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Re: benefits payments and mortgage

Postby migrembe » Thu Aug 14, 2014 9:55 am

Thanks Jeany,

I have spoken to the mortgage people but they are unwilling to reduce payments in anyway because i am unlikely to return to work or extend the mortgage because of the same reason.

The 2k has accrued over the last 4 years and as the benefit people pay their small amount a payment is never completely missed.

Beverley
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Re: benefits payments and mortgage

Postby Hannah24 » Thu Aug 14, 2014 4:15 pm

Hi,

It sounds like a terrible situation you are in. The council housing system is totally srewed up.

I definately recommend CAB but have you looked into any disabled charities or organisations. I have a disability resource centre near me (Luton) and they have a whole range of advice and support they can give you. Places like that have specialist knowledge in areas like this something which CAB don't always. If you don't have anything near you, I'd still try organisations in other areas as I've always found them very helpful.

I hope you get it sorted soon.
Take care x
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Re: benefits payments and mortgage

Postby migrembe » Thu Aug 14, 2014 4:48 pm

Thanks Hannah i shall see what i can find but i do know CAB in this area is swamped.
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Re: benefits payments and mortgage

Postby isitme » Sat Aug 16, 2014 1:33 pm

was in a similar situation myself about 4 years ago after a car accident then developing fibro.

my experience was we eventuallly decided to go bankrupt and get the house repossessed as benefits woudl not pay toward motgage so only way was to go into rented and get hb.

in order to do this we were advised by cab to stop paying mortgage/credit cards for a few months to save the amount we needed to go bankrupt and a deposit for a rented house as at the time - a few hundred pounds (think £400).

then when we had enough filled court papers in. in the meantime we found aplace to rent and pay first months rent and deposit then handed the keys in to the house and they repossessed. all payments owed on mortgage adn credit cards was written off.

after months of money worries after losoing job it has been a relief and we now live only by our means so think carefully about what we get.

it is not something to take lightly and it was never our original intention but bad luck happens.

originally cab adbised us to keep paying minimum payments and resist it for a year but was just constant stress from everyone ringing all the time so it was such a relief. then when we went to cab again sometone else asked why we had not done it sooner.

this is only my experience i am no expert but i wish you well and your health is the most important thing. we are a family of 5 2 adults/3 kids and we realised material possessions house, etc are only that it is keeping our helaht and family together that was most ijmportant.
there are enough struggles dealing with coping with fibro iteself i think down the line.
take care.
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Re: benefits payments and mortgage

Postby rich44 » Sat Aug 16, 2014 8:35 pm

Don't forget Shelter might be able to help too

http://www.england.shelter.org.uk/get_a ... ge_worries

If things got bad and you didn't mind the intrusion you could go to the press & play the poor person with an illness trying to pay the mortgage big bad mortgage Co won't play nice

Might work
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Re: benefits payments and mortgage

Postby zappa20 » Sun Aug 17, 2014 12:02 am

Such a difficult situation to be in, especially when technically your total mortgage payment isn't much higher then what a council would pay out in HB or LHA in a run of the mill claim for someone who is renting. And if it's taken 4 years to build up these arrears you're only short of £50 per month. In ESA Support group you'd be allowed to earn a certain amount of money indefinitely, doing permitted work, would that be possible longer term as it seems such a shame to possibly lose your house for such a small shortfall each month?

I'm assuming the tiny mortgage help you're getting is because they only cover the interest on the original mortgage taken out?

Is there any equity in the property which if you sold the house could keep you going until you got back on your feet?

Even though there's only a remote chance of being offered a council house you can still add your name onto the list just now. Maybe with your health difficulties you'll be awarded a slightly higher priority especially if you can demonstrate the house you're in is no longer suitable to your needs.

I don't believe being on HB will stop a house being repossessed if the mortgager has a mind to repossess it, but it is a long process if they start proceedings so won't happen overnight but can be very stressful which is the last thing you need. Would they let you switch to an interest payment mortgage only? They should do their utmost to help you as much as they can, a lot will depend on the percentage value of your mortgage to the house value. As they have to protect their interest or capital. .

There have been schemes introduced and supported by the government to help people in difficulty, some of these will offer to buy the outstanding mortgage value as a co owner and you can remain in the house by paying a small rent etc. imagine shelter or CAB can advise on this. Might depend on your age and other circumstances. But the general idea behind them is to avoid people losing their homes so worth looking into.

Would also be an idea to check out you're receiving all the Benefits you're eligible for with CAB, if you live on your own and are on means tested benefits you could be eligible for extra supplements.

Hope you find some answers to your situation .
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Re: benefits payments and mortgage

Postby migrembe » Sun Aug 17, 2014 8:58 am

Thank you for your replies and support.

I have spoken to the council about mortgage rescue but they only do that if i have a child under 16 and still in full time education and after hearing from someone else who went in that direction the council wasn't offering them enough to pay their mortgage back in full.

I know that not paying the mortgage and allowing the bank to repossess the house willingly, as such, in this area at least counts as me making myself homeless, i asked about that one too.

The bank are unwilling to change anything on the mortgage front because i have now retired due to ill health and i am unlikely to ever be well enough to go back to work. That said if i could work i would, but getting up and dressed is hard work most days.

I live in a very busy city and with the influx of new people there is little housing available and what there is, is expensive.
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Re: benefits payments and mortgage

Postby rich44 » Sun Aug 17, 2014 9:50 am

Oh I forgot a really useful site to check you're getting everything you can is http://www.entitledto.co.uk

Its a real life saver & you can play with it see what happens if you earn a little etc

Really hope you make some progress. We suffered at the hands of our social landlord due to me cocking the rent up (not housing benefit) and the legal helpline via home contents insurance was absolutely wonderful as were Shelter, CAB couldn't see us before court case
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Re: benefits payments and mortgage

Postby FluppyPuffy » Sun Aug 17, 2014 1:23 pm

Have you looked into what help some of the money/debt advice organisations might be able to give you??? Sometimes having someone from such an organisation speak to the financial institution concerned on your behalf can get things sorted a little more favourably than what trying to deal with them on your own can do.

Organisations such as The Salvation Army and Christians Against Poverty have advisers who may be able to help with this, and there may be other local, independent groups in your area who provide a similar facility/service.


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Re: benefits payments and mortgage

Postby rich44 » Sun Aug 17, 2014 2:38 pm

Oh yes that's excellent advice it's just reminded me the local council should have benefits advisors to give advice and help you claim too. Our local district council has them and our housing association has them too
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Re: benefits payments and mortgage

Postby migrembe » Mon Aug 18, 2014 12:09 pm

As life abruptly came to a halt i also have a loan and an overdraft, which need paying and i have spoken to a credit counselling company who have intervened in the loans and i only pay them a minimal payment but the mortgage want at least £8 a month on top of the normal payment and that amount won't actually pay off any of the arrears just the interest accruing on the arrears.

As it took the council some time to sort out the CT last year i over paid them and now only pay a silly low amount per month of £11.

Things seem to have gone into a holding pattern at the moment with the mortgage, they do this for 3 months and then presume that something has changed and then start their tirade of letters and phone calls all over again.

Thank you all for your support.
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Re: benefits payments and mortgage

Postby zappa20 » Fri Aug 22, 2014 12:25 am

There was a small article in the financial section of the paper yesterday - Judge slams treatment of mortgage customers. This was a high court judge so has some weight. Thought it might be of interest to you considering you're now being asked to pay extra just to stay in the same place mortgage figure wise.

Unfortunately can't post links, but basically it was a case about how the Bank of Scotland was treating with mortgage arrears in conjunction with 3 customers facing repossessions. Said the bank had added their arrears to outstanding mortgage balances without the customers consent. This produced increased mortgage payments meaning customers were effectively paying off arrears. The banks then asked the customers to make additional payments to pay off the arrears. He called it double billing. He said there may not be fraud involved but he certainly didn't regard this as fair accounting.

The judge was imposing a series of strict conditions on the bank and if they tried to enforce any suspended repossession orders, he added the bank would face an uphill struggle if they failed to meet these conditions. The case was brought on behalf of 3 owners facing repossession by the charity The Housing Rights service who supported borrowers who said it could have implications for thousands of mortgage holders across the UK.

Maybe at last people will get some fair dealings with banks in times of difficulty.
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