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    • I emailed the Information Comissioner's Office for clarification. I explained the above and asked them if the DPA applies to firms.   To my surprise,  they phoned me today. Lloyd bank's policy of refusing to release information about corporate (ie business accounts) is incorrect. The fellow at the ICO told me I am legally entitled to ask my own bank to insist that Lloyds provide them with the info that I want. I cannot remember the name of the protocol but when i phoned my bank and explained that I had spoken to the ICO, my bank's operative spoke to a superior and confirmed that they would now start the ball rolling.dd 
    • I can instruct my dog to sit if it does is another matter.   it this octo themselves or another co ..who?   does it mention the pre action protocol and contain a reply pack? if not safe to ignore    dx  
    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
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Hi All,

 

My mum who is 74, and working full time for a big food retailer needs to retire. I have manged to convince her that she needs to quit her job, and move back near to me.

 

She called the HMRC to ask about her state pension, and apparently its only worth £44 per week! not sure how thats possible, but anyway, she can apply for Pension Credit to receive the minimum £163. still rubbish. but hey.

 

So the issue is around housing benefit. I have recently got a second property which is a 2 bed flat. I have convinced my mum to accept moving into this at a cheap rate. I could rent it privately for £875 a month, but, clearly i cant do that to my mum. I do need to clear £650 though to break even on my expense.

 

Anyway the question. She hasnt quit yet, will do this in the next couple of weeks, but i shall start the process to apply for pension credit as soon as she does, but what about housing benefit?

 

Is it better for her to declare the real rental value of the property £875 and hope she gets more benefit allowance which would help her or because she is on her own, and should not be in a big property she claims for the reduced amount that i happy to let it for to her at £650?

 

Because of pension credit will she get 100% cover or reduced because of 2 rooms. it does not seem clear. if she isnt going to get 100%, then it seems sensible to me to claim the higher amount so that any shortfall is closer to the £650 making it not reliant on her to use any of her meagre £163 pension to cover rent.

 

Id like to help her out and claim the higher amount so she has more, but am weary that a claim could be challenged

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Hello and welcome to CAG. People should be along later to advise you.

 

I think you need to check out the rules about renting a house to a relative before you go much further so that you don't have problems in the future.

 

Best, HB


Illegitimi non carborundum

 

 

 

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Housing Benefit: Renting from Relatives

 

http://tinyurl.com/y5slrkws

 

SN03078.pdf


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Because of pension credit will she get 100% cover or reduced because of 2 rooms. it does not seem clear. if she isnt going to get 100%, then it seems sensible to me to claim the higher amount so that any shortfall is closer to the £650 making it not reliant on her to use any of her meagre £163 pension to cover rent.

 

Id like to help her out and claim the higher amount so she has more, but am weary that a claim could be challenged

 

As long as you would otherwise rent the property out on a commercial basis, there should be no issue with her claiming housing benefit. As it is a private rental, there will be no reduction in housing benefit for spare rooms, bedroom tax does not apply in the private sector but only for social housing.

 

In private rental, she will receive local housing allowance for the postcode which the property is in. She'll receive up to the maximum rate for a one bedroom property if she is entitled to the maximum rate of LHA.

 

You can calculate how much rent she will receive by using the one bedroom entitlement and entering the postcode here:

 

https://lha-direct.voa.gov.uk/

 

You should also check if she is entitled to the full LHA rate by entering her details here:

 

https://benefits-calculator.turn2us.org.uk/AboutYou

 

Depending on her LHA entitlement and the LHA rate for the property, it is possible that she won't even receive £650 per month.

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