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.
Hi I'm hoping someone can help me, I was made redundant just before Christmas last year. I hadn't worked at the company very long but was given a small pay off anyway I have been living off that and savings while trying to job hunt.
I now realise I have to claim benefit which I have looked into and understand, the problem I am having is that while I live in a house rented from a private landlord (just me and my 11 year old son) I actually own a house. The house was brought when I was in very different circumstances and when I could no longer afford to live there, a family friend moved into the house took over all the bills (including paying the mortgage directly) and lives there as if it were her own. it is still my house in name. I have been told that because I have a house with a 'tenant' I will not be able to claim housing benefit for where I actually live.
I do not make any money from the other house in fact I do not even have anythign to do with it at all. And if I were to move back there I would be in a worse position because the mortgage on the hosue is more then the rent on my current home.
Has anyone got any advice on this? Sorry for such a long question but I'm in an odd situation....
Selling it wouldn't help as I have no equity in the house and I don't even know the current value but it may be negative which would put me in a owrse situation (that's assuming I could find a buyer). Moving back would make things worse as the mortgage monthly payment is higher then my current rent.
I have a job interview this afternoon so I'm kind of pinning all my hopes on that I really don't know what to do otherwise
'Life Goes On' is wrong. You can still claim, your the Local Authority would make investigations into the house as a capital asset or as a means of income. If there is no equity (if your mortgage is higher than the value) then there is no capital to consider. The fact that you have a tenant in the property would also affect its market value. Any rental income may also have to be considered.
My advice would be to make a claim. Sometimes claims such as these can be quite involved as the Authority may want a lot of info from you, but this is only so all the facts can be determined and the best decison can be made.
Don't delay further as you maybe losing out on benefit you should possibly be entitled to.
Confusion over Housing Benefit
just before Christmas last year. I hadn't worked at the company very long but was given a small pay off anyway I have been living off that and savings while trying to job hunt.
Reply With Quote
