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Redundancy / Housing Benefit / Council Tax Benefit

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Hi

 

Myself and my parrtner are going to be made redundant in the next few months. Together we will have a payout of around £20,000.

 

We want to use this money to clear ALL of our depts in full.

 

By doing this will it stop a claim for housing benefit and council tax benefit??

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LOL!

Well with 20k that would be classed initially as savings which means no HB. The best bet is to call your local councils benefits office and ask the criteria for HB or visit their web site.

For HB they will want to see 3 months banks statement. JSA (contribution or non- contrabution based) which by the way is classed as 'income'. Any savings and even premium bonds. Proof of expenditure as in rent/mortgage agreements and a few other items.

Michael


When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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You're allowed 16K savings for housing benefit, but it is complicated as HB gets reduced accordingly. You should see a Welfare Officer,their number is on your Local Authority's website. If there isn't a Welfare Officer then your local housing offices usually have a benefits adviser.

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The other thing to watch here is that you don't run foul of rules about "notional capital". This can be deemed to exist if you dispose of capital unnecessarily. In other words, you can be deemed to have money you don't actually have. In some cases it's clear cut - if you had £20,000 and spent £5000 on a round the world cruise, you would still be deemed to have £20,000.

 

In the case of debt repayment, it's a bit less clear cut, but in some circumstances repaying debts before they are due could cause problems. You would be well advised to discuss this with the local authority before doing anything drastic.


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The other thing to watch here is that you don't run foul of rules about "notional capital". This can be deemed to exist if you dispose of capital unnecessarily. In other words, you can be deemed to have money you don't actually have. In some cases it's clear cut - if you had £20,000 and spent £5000 on a round the world cruise, you would still be deemed to have £20,000.

 

In the case of debt repayment, it's a bit less clear cut, but in some circumstances repaying debts before they are due could cause problems. You would be well advised to discuss this with the local authority before doing anything drastic.

 

Perfectly explained! The addition needs to be that they want proof of the previous 3 months income and that includes bank statement and even credit card ones if they are unsure. The idea of HB is support where needed and not a top up as requuired.

Michael


When I was young I thought that money was the most important thing in life; now that I am old I know that it is. (Oscar Wilde)

--I like to be helpful wherever possible however I'm not qualified in this field. I do consider carefully anything important (normally from personal experience) however please understand that any actions taken are at your own risk--

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