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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Housing Benefit/Council Tax Benefit suspended and not reinstated


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Hi, I'm renting a property from private landlord. About six months ago my mother moved in and put her name on the tenancy. I received a letter last month that my HB and Council Tax were suspended due to new information. Having spoke to them they sent me another letter saying I owe them £1000 in overpaid HB and £1000 in overpaid CT because my mother didn't make a separate claim. I wasn't aware that she needed to make a separate claim as I thought that one person could claim for both or a family member in a household or that one person only needed to make a claim in a joint tenancy, and the people that were witnesses to the tenancy chance didn't mention it either. I pay all of the rent and all of the household bills, both mother and I are physically and mentally disabled. I'm on income support. My mother having made a claim now receives half of the HB, but because of her illness that won't go towards the rent in any case. I'm no longer in receipt of HB and CT (I don't know why, they didn't just reduce it). This leaves me in the situation of an income of about £380/month to pay over £1000+ of bills/month including the rent, which is just plain impossible, and I don't have any savings due to problems with relations and robbery. I don't know how they expect me to be able to manage, without going homeless on the street and thus not having to pay rent or council tax, and in that case would I even be eligible for income support?

I don't know what I'm going to do as it's impossible for me to make a £620+/month deficit, I'm on income support. Even if I were receiving half of the HB and CT I would still be in a deficit, as the full rent and bills match full HB and IS easily. Our house phone has disappeared so getting in contact with anyone is more difficult. Any advice?

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I have second question, where does it say in the rules for housing benefit that every person at an address must have a separate claim for housing benefit, etc? Is this a relatively new thing? - For example, in my cae it would be really ideal if all of the housing benefit etc was paid into my account, otherwise it's greatly increasing the chance that it won't go towards the rent. I've not seen where it is mandatory for everyone to have separate claims, are there situations where this is the case? It really confuses me, having tried to look this up, that the information isn't all in one place.

^ this is still less important than how I am going to deal with a £620/month deficit in the first place.

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Please, please help. My bills will be coming out of my account in less than a month's time, and it's going to send me past my overdraft with my bank. I don't have any means to get back out of an overdraft or from past one. Is there anywhere I can get some kind of financial support in this situation? What will happen if I'm unable to pay my bills in time? My credit history up until this point is really good, though at this point tarnishing that is the least of my problems. Pretty desperate here.

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My understanding is that only one of you can claim for housing benefit in the property. Who is the lease in the name off. If/when your mother added her name on then you are entitled to HB until that date. From the date of change in circumstances then you or your mother will claim the rent. Are you your mothers carer? If so then you may be entitled to a 2 bedroom rate. If not then possibly a discretionaty payment from the council. My understanding is that if to family members share the same house then only one can claim Housing Allowance.

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Thanks SWLABR9 and john.

 

"My understanding is that only one of you can claim for housing benefit in the property". That's what I thought as well but they are telling me the exact opposite and that I have to pay the difference back (basically I should have been getting only half of the HB and CT and my mother the other half). The lease was originally in my name, then my mother put her name on in addition a few months ago. I'm caring for my mother I don't know if that makes me officially or unofficially her carer.

 

"My understanding is that if two family members share the same house then only one can claim Housing Allowance.". Again, that was what I thought too, but when I went to speak to them and in the correspondence they've told me the exact opposite. They demand that the housing benefit be paid in two separate claims, and haven't backdated my mother's new claim, to the effect that I'm owing them about 3-6 months HB and Council Tax. Thus they've suspended my HB and CT (to pay it back).

 

John, I've tried to look up the information that confirms the council's decision and position, but I haven't found any yet, and it's too complicated to see if I've found anything to the contrary. We both can't have had the same understandings from nothing though. Is there some documentation on this? but then, how can they possibly get something like this "wrong", if that makes sense?

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Is it a new thing? and if it's new, how new is it? I'm thinking if it's less than 6 months, then how they can charge me back for something that was under different rules at the time. Can they do that?

I've tried googling different terms but I can't find any information anywhere about what two family members should do if they are both entitled to housing benefit does that mean that it is mandatory for two separate claims as they say?

Edited by disableddebbie
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my understanding has always been that to claim HB you have to be the tenant, you are not the tenant if your name is not on the tenancy agreement,

 

So from where I sit the council have it right, but you really need proper legal advice on this.

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Hi

 

Could I just ask this for clarification - You were initially in the property claiming both HB & CTB, then your mother moved in and you contacted both HB & CTB offices and informed them of your "Change in Circumstances" but they continued to pay the same amount of HB & CTB. On noticing this error they are now trying to claimback the overpayment

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Hello disableddebbie

 

Bills should be your last problem,you need to keep a roof over your head 1st

 

I know it's difficult but your main problem at the moment is paying your Rent to private landlord !

 

Are you still paying your rent,are you in arrears at all by how much and how many weeks ?

Please use the quote system, So everyone will know what your referring too, thank you ...

 

 

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my understanding has always been that to claim HB you have to be the tenant, you are not the tenant if your name is not on the tenancy agreement,

 

So from where I sit the council have it right, but you really need proper legal advice on this.

 

 

I'm afraid I don't follow you, do you refer to me or my mother? Both of our names are on the tenancy agreement, and my name has always been on the tenancy agreement.

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Hi

 

Could I just ask this for clarification - You were initially in the property claiming both HB & CTB, then your mother moved in and you contacted both HB & CTB offices and informed them of your "Change in Circumstances" but they continued to pay the same amount of HB & CTB. On noticing this error they are now trying to claimback the overpayment

 

Yes

No

Yes

Yes and no

 

I didn't inform them of a change in circumstances, I didn't think about it at the time I was very sick and barely cognisant at the time of the tenancy change, I had a vague idea that the housing people would have sorted that part out for some reason. My mother said she contacted them. I'm not sure if they are claiming to have a record or no record of this. They might be treating it as not informing them. How much difference does that make, specifically, and what sort of position does that leave me in?

 

They aren't claiming back an overpayment with respect to "a person was living there so we assume they would pay towards the rent" - which I got from googling.

 

They are claiming back I think at least half of the housing benefit and council tax paid to me, basically saying that I should only have been getting half and my mother the other half for the entire time. Which adds up to a considerable amount. They haven't actually been specific about what they are claiming back, but it comes to £1800 for a few months which seems like a lot to me, it's certainly more than I can reasonably afford, that's my total income for 5 months.

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Hello

 

Bills should be your last problem,you need to keep a roof over your head 1st

 

I know it's difficult but your main problem at the moment is paying your Rent to private landlord !

 

Are you still paying your rent,are you in arrears at all by how much and how many weeks ?

 

 

I don't know, I'm as much worried about paying the utility bills as I am about the rent, I have no way of contacting anyone at all if I lose those. The house phone is still missing, I don't have any cash on hand or in the bank, and with my physical disability it's difficult to get around.

 

That said, the rent is paid up, I'm not in arrears, and my overdraft + the amount the bank will let me go below will cover me for a few weeks, however once I'm in that situation I don't have a way out and having less than zero cash is not a good place to be in when I'm in debt and on a low income, I'd prefer to not get to that point in the first place.

After that point I will start to be in arrears and be unable to pay bills. I really don't want to be in debt twice or more, to my landlord, to the utilities, and to my bank as well. Keeping a roof over my head is less important to me than being in debt to everything without a chance of being able to pay anything off - I've never been in complete debt before so I don't know what will happen.

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To reiterate, right now my bills >= income, and my rent is much greater than my income. If I don't pay my bills, my income still doesn't cover my rent in any case, I will go into arrears if I don't pay any other bills. I can barely cover my bills, but then none of my rent gets paid. They both seem like big problems to me. I don't understand why they would want to take more money away from me when I'm barely getting by already.

 

Update: checking my bank statement online and it appears they've just paid some money in. I can't tell what they've done exactly, and what this amount is supposed to be for, as I've received no correspondence from them about it. I haven't received HB for ~6 weeks or more. What I was receiving before would have been: £546.90 (£182*3), what my bank statements shows is £264.96 (or £88.32*3), a difference of £281.94. Basically in those calculations I've assumed this amount is the new amount I'm supposed to receive immediately starting from when they suspended my housing benefit.

 

If that continues I will be short an extra £187.36 a month towards the rent than I was before. My mother has very bad credit history, and won't be able to put her portion of any HB towards the rent costs. I'll have £176.64 of HB/month to pay a rent of approx £475+, which means that I have to make up an extra £300/month towards the rent somehow. How do I make up an extra £300/month towards rent when my income is £380.

 

I can't see any reasonable means I can do this, even if I use my IS thats £300 out of £380 a month which leaves me £80/month to pay bills and get shopping? That seems impossible. Does anyone know why they insist on my mother having a separate HB and CT claim to myself?

I could go to the trouble of asking my mother to have her part of the HB paid directly to the landlord but I can't see her agreeing to this and I can't force her. Do I have any other options?

Edited by disableddebbie
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I'm afraid I don't follow you, do you refer to me or my mother? Both of our names are on the tenancy agreement, and my name has always been on the tenancy agreement.

 

then I misunderstood you.

 

however in that situation the council would probably only see you liable for half the rent not the full rent. Also her income would be taken into consideration, so eg. if she worked full time your benefit would be impacted I think.

 

Been sick might be seen as a good reason for them to not take any kind of legal action ie. they see as accidental and not deliberate fraud, however it wont allow them to write it off.

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OK. As soon as your mother was a co-tenant, you could only claim HB for half of the rent - and she needed to claim for the other half as she has done. A better way would have been for your Mum to move in as a non-dependant and not be on the tenancy - but maybe this was a condition of the rental.

 

What rate is the overpayment being recovered at? Sometimes this can be negotiated if you are in hardship and may be a reason why you are not receiving the full amount of HB (half the rent).

 

Regarding your Mum's HB - this is to be used to pay the rent. Why is it not being used for rent? Maybe the best way to manage this would be to change the bank account that your Mum's HB is paid into to yours - you would need her to sign a form to change the bank details, but it is perfectly acceptable to have benefits paid into a different named account.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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My mother has very bad credit history, and won't be able to put her portion of any HB towards the rent costs.

 

But that's what "housing benefit" is for - to pay for housing (rent) costs. Not to pay previous debts off. Her debtors will accept very low payments if she contacts them and sticks to any repayment agreement she makes with them. If she pays her debts with the HB, and you are left having to pay the shortfall in rent, then YOU are paying her debts for her.

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Regarding your Mum's HB - this is to be used to pay the rent. Why is it not being used for rent? Maybe the best way to manage this would be to change the bank account that your Mum's HB is paid into to yours - you would need her to sign a form to change the bank details, but it is perfectly acceptable to have benefits paid into a different named account.

 

In answer to all 3 posts about why the HB being paid to my mother won't go towards the rent. Because of her mental illnesses. She will spend the money on charge for her mobile phone (and I'm trying to get her to use a more efficient phone) or something else unnecessary. That's why the new arrangement is more difficult for me, and I was only just managing to get by when I was receiving the HB for the full rent. Wrt, to changing the bank account, etc. I won't be able to get her to agree to this. She will see the HB as part of her new income. I'm already paying for some of her debts, it was already expensive for me, this just adds to them. My brother also has gambling problems and occassionally causes me financial difficulties.

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Been sick might be seen as a good reason for them to not take any kind of legal action ie. they see as accidental and not deliberate fraud, however it wont allow them to write it off.

 

It could also be that I didn't benefit at all, in fact I was actually paid less money than it seems I would've got from 2 separate claims. They are basically claiming back half of what the housing benefit would have been, either way it was done. I'm having to pay for half of the rent for the last few months out of my IS. e.g. they just profited about 3+ months of rent and council tax. I don't think they would go so far to prosecute over something that saved them a lot of money. Netwise, if they paid my housing benefit and didn't give me 5 months of income support it would come to the same amount.

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In answer to all 3 posts about why the HB being paid to my mother won't go towards the rent. Because of her mental illnesses. She will spend the money on charge for her mobile phone (and I'm trying to get her to use a more efficient phone) or something else unnecessary. That's why the new arrangement is more difficult for me, and I was only just managing to get by when I was receiving the HB for the full rent. Wrt, to changing the bank account, etc. I won't be able to get her to agree to this. She will see the HB as part of her new income. I'm already paying for some of her debts, it was already expensive for me, this just adds to them. My brother also has gambling problems and occassionally causes me financial difficulties.

 

Although I sympathise, there's very little help we can give in this situation. Your only options are to stay as you are, get your Mum's HB paid to your account, or get her HB paid straight to the landlord - I believe this is an option for vulnerable tenants. Or march your Mum down to the bank the day the payment goes in and get her to hand over the money for rent. It sounds like she needs help from mental health services, she needs to understand that the money from HB is for rent and should not be used for other purposes.

We hang the petty thieves and appoint the great ones to public office ~ Aesop

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Thanks.

I believe she might have already received her portion of the HB for the past 2 months and spent it. I received a letter today from my service provider about a large phone bill that had been run up on one of my phones in my absence, I believe my regular house phone, and they had put on a block on it. It been taking calls up until the day it went missing so that might shed some light for me on what happened to it.

I can try to get her HB paid back into my account, but I'm not seeing any chance she'll agree to it. I could try to talk to the council that pays the HB about it, but again I'm pretty sure they won't agree to any change to her HB without her permission. Which leaves me with option 1 out of those 3, and I can't afford option 1.

I'll try to go to the C.A.B., I sent somebody there to speak on my behalf during my illness but they couldn't give any useful help, maybe if I go myself this time and with the new circumstances they can offer something but otherwise im expecting to run out of money and go into arrears and utility debts soon if nothing changes.

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