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millassoc

Can anyone help over Mortgage Interest Benefit

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Hi,

 

I have filled in my MI12 to claim help with my mortgage interest, I have re-mortgaged twice in the last 5 years (I know, I know!!) and used part of the funds each time for home improvements.

 

The DWP (I am on JSA) seem obsessed with these home improvements - 'how much was each item, why was it done etc and they want receipts! I may have some but not all of them - it was over 2 years ago for the latest lot and I don't tend to keep receipts.

 

My question is, why do they want to know this - will they reduce any benefit because of this - I didn't expect to become unemployed when I re-mortgaged so why the obsession - it's now I need some help.

 

Does anyone know what the rules are regarding this - should I just forget it?

 

Any help would be appreciated..

 

Tx

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You say that you used part of the funds for home improvements, this may well have sparked an interest in your claim as the rules regarding second mortgages and benefit assistance are very precise.

 

For your attention I have attached the following

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Sorry forgot the attachment

 

Housing costs for repairs and improvements can be met by income support or income-based JSA for:-

  • interest payments on a loan to carry out major repairs and improvements to the home. It does not matter whether the loan is secured on the property but it must be used for repairs and improvements
  • a service charge to meet the costs of minor repairs and improvements on the home. If a client has taken out a loan to pay a service charge for major repairs or improvements, income support or income-based JSA may then help towards the interest payments
     
    interest payments on a loan to repay a previous loan which has been taken out to meets the costs of major repairs and improvements.

6

Repairs and improvements are regarded as major only if they are both in the following list and carried out to maintain the property fit for human habitation. For example, the replacement of lighting would not necessarily be major unless it had to be carried because existing fittings were dangerous. Major repairs and improvements are:-

  • installing a bath, shower, washbasin, sink or lavatory and any necessary plumbing
  • repairs to existing heating systems
  • damp proofing and insulation of the home
  • providing ventilation and natural lighting
  • installing electric lights and sockets
  • installing drainage facilities
  • repairs of unsafe structural defects, for example, roof repairs
  • fitting facilities for preparing and cooking food
  • providing storage facilities for fuel and refuse
  • adapting a home for the special needs of a disabled person
  • providing separate sleeping accommodation for people of different sexes aged ten or over but under the age of 20 who live with the claimant and for whom the claimant or her/his partner is responsible.

7

If the client lives in a part of a building (for example, a block of flats), any part of the building will be treated as the client's home.

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Thanks for your help - apologies for the delay in replying.

 

I cannot find any receipts at the moment so I may have to speak to them as they say if I don't return my form shortly they will suspend my JSA (very Bl....dy unhelpful).

 

Thanks again.

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