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corbyparker

Part Time Work while on JSA + SMI

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Morning All,
 
I am currently on JSA and have got a new part time job starting next month 😀
 
I know that it will effect my fortnightly benefit (not sure on the figures, but think for every £1 I earn in a week, they deduct a £1 from my benefit?) but does anyone know what effecit it will have on my SMI (Support Mortgage Interest)?
 

On a seperate note, my advisor said I would be better switching over to UC. If I switch over to UC, will I still get my SMI.... if so, is there a 'certain way' I need todo it? Last thing I need to do is do it in the wrong order somehow and lose the SMI for 9 months :(

 

Any advice or links to help would be appreciated.

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SMI will be cancelled, if you receive employment earnings and you then have to wait 9 months without work earnings before you can reapply for the SMI.

 

So you may need to rethink this.

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To add to what UB has said. They know far more about benefits than I do, but a lot of people have moved to UC and not been better off.

 

In your place I'd be asking the adviser to show me figures and justifying why UC would be better for me.

 

HB


Illegitimi non carborundum

 

 

 

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33 minutes ago, honeybee13 said:

To add to what UB has said. They know far more about benefits than I do, but a lot of people have moved to UC and not been better off.

 

In your place I'd be asking the adviser to show me figures and justifying why UC would be better for me.

 

HB

 

I think its because I only get the standard fortnightly and the SMI.  The UC seems better for people that work part time on basic benefits as they dont take the full £1 for £1 apparently. She did suggest I checked with an online calculator but without the SMI Im going to knackered anyway :(

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40 minutes ago, unclebulgaria67 said:

SMI will be cancelled, if you receive employment earnings and you then have to wait 9 months without work earnings before you can reapply for the SMI.

 

So you may need to rethink this.

Im definitly going to need to do some calculations and see where I stand then as thats a big difference to me, thank you so much for this information.

 

I recently learned that you have to pay SMI back (if you sell/move home) which is something I do need to factor in though.  Has the SMI always been like this or is that something they changed?? It was never mentioned to me when I first got it, I literally thought it was a extra benefit not a longterm loan :(

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You should not have recently learned. DWP contacted all on benefits receiving SMI help in March/April 2018. They advised that SMI was being changed to a loan. If you accepted a loan various forms needed to be completed and one of these was registering a charge against your property. So when you sell, DWP are paid their loan back. 

 

If you applied from April 2018 or after, it would have been clear it was a loan only with DWP having a charge against your property.

 

 


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On 27/02/2020 at 20:46, unclebulgaria67 said:

You should not have recently learned. DWP contacted all on benefits receiving SMI help in March/April 2018. They advised that SMI was being changed to a loan. If you accepted a loan various forms needed to be completed and one of these was registering a charge against your property. So when you sell, DWP are paid their loan back. 

 

If you applied from April 2018 or after, it would have been clear it was a loan only with DWP having a charge against your property.

 

 

 

a) I was also on the SMI benefit a few years ago (and signed off in 2017), so I wont have to pay back for that era then?

 

b) This time around Ive been on SMI since around July 2018 I think? Im terrible at reading my post I'll be the first to admit :( but I dont remember signing anything along those lines? How can I check if DWP have a charge against my home?

 

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Before April 2018, it was a benefit payment not a loan.

 

From April 2018, it was a loan.

 

https://www.gov.uk/support-for-mortgage-interest

 

Are you sure Government have been making payments to your mortgage company ?  You have seen mortgage statements showing they have received payments from Government ?

 

If you failed to take up the SMI loan, the payments from Government would have stopped and you will have significant arrears on your mortgage.

 

If you did take up the SMI loan help, you can check any charge against your property on Land Registry.

 

https://www.gov.uk/government/organisations/land-registry


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18 hours ago, unclebulgaria67 said:

Are you sure Government have been making payments to your mortgage company ?  You have seen mortgage statements showing they have received payments from Government ?

 

If you failed to take up the SMI loan, the payments from Government would have stopped and you will have significant arrears on your mortgage.

 

If you did take up the SMI loan help, you can check any charge against your property on Land Registry.

 

https://www.gov.uk/government/organisations/land-registry

 

If I was in arrears the mortgage company would surely have written to me, plus they control the direct debit so I am confident this is okay.

Ive looked around the gov link and spent hours yesterday trawling through other google links but Im still not sure which service I need to use to check for the charges (they seem to all charge a nominal fee so I'd prefer to get the right one first time lol)

Im assuming it is either the "Title register" or "Title Plan" I need to pay for ? I havent even managed to find examples of either :( ?

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Contact the mortgage company if you have not had regular mortgage statements from them, showing payments to the account.

 

Unfortunately, where people own equity above a certain level, it appears some mortgage companies don't write to their customers when interest payments are not received.  Or customers say they have not received correspondence. 

 

Your next action is to find your last mortgage statement that you received. See if it shows any payments credited to the mortgage account.  If you cannot find the statement, phone the mortgage company next week and ask whether they have received the interest payments from Government. The mortgage company should be aware of the Government charge on your property as the mortgage company would have completed part of the SMI application that was sent to them.

 

No point in paying land registry a fee to check for the charge, if the SMI loan was never arranged.


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On 01/03/2020 at 09:38, unclebulgaria67 said:

Contact the mortgage company if you have not had regular mortgage statements from them, showing payments to the account.

 

 

Well, Im absolutely shocked by what I have discovered and I am so angry with myself its untrue.

Although I have been granted the SMI, you are correct, I was notified in early 2018 about the changes... As it was the typical JSA brown envelope I just ignored it (they used to constantly write to you about a change of circumstances/rate, even though nothing had changed so I just used to chuck them in the cupboard).

So since then, they have not been paying the SMI. The good news, is that I have been instead so at least I am not in arrears !

This does however mean I have wasted a few grand which I have been paying from borrowing (family/credit cards). Do I have any, ANY chance at all in getting this back dated - If so, what is the best way to go about this please?

 

I should add, I am supposed to be ringing them in the next couple of days to cancel my claim...  If I cancel it, am I entirely screwed for trying to get back payments or wont this make any difference?

 

PS: Please advise if you want me to open a new thread as this is twisted from the original now

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No you won't get the SMI loan backdated,   Back in 2018 the Government allowed some backdating for a limited period, as people had missed the letter.  But we are in 2020 now, so no consideration will be given to backdating.

 

Can only suggest that you just accept the mistake in not opening and reading post. Close the current JSA claim, make claim for UC and then hopefully gradually increase your work income, so you don't need benefits.   Following registering the UC claim online,  once you have verified indentity/bank details and attended the Job Centre  as required, you can apply for an advance payment, which will help you whilst you wait for first wages and UC first payment. 

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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