Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Housing Benefit vs Local Housing Allowance

    I currently rent a flat at £400 per month and receive full housing benefit under the old system due to being on income support. Local housing allowance for my flat is up to £550.

    If my claim was under the new LHA system, I would receive £400 per month plus £15 per week. My local authority says I can only change to LHA if there is a break in my claim, or if I move. I don't intend to move, so what I want to know is: How long a break would I have to take? And can I just say that I want to stop my claim for that period?

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  2. #2
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    Default Re: Housing Benefit vs Local Housing Allowance

    Hey Robin

    I'm hoping this gets bumped up as I'm interested in your situation. I'm caught in a catch 22 with the LHA myself. I came off Income Support and started working and so had my HB entitlement recalculated at the LHA rate of around £178 per week which is what it was when I first moved into my place despite the current rate being around £196 per week. Apparently I have to stay at the lower rate unless I move or there's a break, change of circumstance with your income isn't enough for them to review it. Its very annoying as the extra £20 a week would be very useful!

    I really don't know how long a break you need to take, I wonder if Citizens Advice could give you some better advice, I'm often made to feel I'm wasting my local council's time if I ring up with a benefit query....

    I'd be very interested to hear if you've found a way to get the extra you should be entitled to.

    Nas


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    Default Re: Housing Benefit vs Local Housing Allowance

    I did this.
    My Landlord told me to take a break from Housing Benefit.
    I basically just went into the Council and told them I needed to take a break and told them honestly why I wanted to do that (to get onto LHA).
    Thing is, I ended up worse off. On Housing Benefit I was £3 a week shy of my rent, I'm now £10 a week shy of my rent so I have to find £40 a month for my Landlord.
    It's a stitch-up invented by the lazy Councils who dont want to visit homes to assess them for rent any more.

    I live in Plymouth,Devon and our Council are too busy pandering to the whims of the posh flats that block our views of the Sea, we call them 'second-homes'.
    Because they're so busy pandering to the snobs, us REAL Plymouthians are treated like scum.


  4. #4
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    Default Re: Housing Benefit vs Local Housing Allowance


  5. #5
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    Default Re: Housing Benefit vs Local Housing Allowance

    I did this.

    My rent was £450 PCM, and HB would only pay up to £425 PCM. LHA however paid £495 PCM!

    I had a weeks break in my claim then reclaimed for LHA - being allowed to keep the extra, and not having to find the difference, meant it was worth finding the weeks rent myself.


  6. #6
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    Default Re: Housing Benefit vs Local Housing Allowance

    Normally a weeks break will put you on the LHA, reason for this is that it must be a new claim in order entitlement to be based on LHA. Assuming you receive council tax benefit this should remain continuous as in law HB and CTB claims are separate.


  7. #7
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    Default Re: Housing Benefit vs Local Housing Allowance

    Quite right, a week's break is enough to qualify. The new LHA is worked out nationally every month (not by local councils) for every postcode and every type of accommodation (you wouldn't expect the rent on a one-bedroom flat to be the same as a three-bedroom semi) right. As one of the earlier posting make obvious rents can go down as well as up so I recommend you get advise from the council before going down this path. It was set up to aid claimants - not line the pockets of landlords - but the credit crunch came along so here we are, some winners, some losers. You also only get to keep a difference of £15 per week if the landlord sets the rent too low.

    If my advice has been helpful tip the scales

    West brom SETTLED

    Halifax current SETTLED IN FULL

    halifax curent (2nd) stayed. Visa - SETTLED
    2nd visa LBA sent
    halifax for the 3rd time. LBA sent

    Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

    Sainsbury's - Awaiting court date

    Co-op cc SETTLED IN FULL 2nd claim. Settled in full


    National Westminster Settled in full. 2nd claim. N1 submitted


    HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL


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    Default Re: Housing Benefit vs Local Housing Allowance

    im a council tennant does this apply to me?


  9. #9
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    Default Re: Housing Benefit vs Local Housing Allowance

    No it dosn't unfortunately, private tenants only I believe. Not even sure if housing associations are included.

    If my advice has been helpful tip the scales

    West brom SETTLED

    Halifax current SETTLED IN FULL

    halifax curent (2nd) stayed. Visa - SETTLED
    2nd visa LBA sent
    halifax for the 3rd time. LBA sent

    Egg - SETTLED GE Money - SETTLED Barclaycard SETTLED twice

    Sainsbury's - Awaiting court date

    Co-op cc SETTLED IN FULL 2nd claim. Settled in full


    National Westminster Settled in full. 2nd claim. N1 submitted


    HFC bank SETTLED. HFC 2nd claim - lba sent 21/10/08 Time Retail N1 filed Argos settled in full Creation - SETTLED IN FULL



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