our house

[PriorityOne]

Re: our house

We are thinking of either selling the house evn though it won't make us anything , it will probably pay off the charge and thats it.

Not much equity Mgfboy....

[mgfboy]

Re: our house

Do you have any equity in the house?

[PlanB]

Re: our house

Ah ha !

http://www.turn2us.org.uk/benefits_s...FfMdtAodzHYAag

This calculator and the information it provides is from a charity biased in favour of claimants getting all the benefits they deserve

[PlanB]

Re: our house

anonymous query[/COLOR] if that side of things bothers you.... but I'd get several opinions if I were you. I've had a variety of cack advice from DWP numpties during my time claiming from different staff who didn't have a clue what they were on about.

Exactly. Most local authorities have a benefits calculator on their website where you can play around with the figures anonymously entering various options for hours worked, income received, capital allowances (if you sell your home at a profit) etc before you decide how to fill in the form before making any HB claim. I expect there's one for Income Support and other DWP benefits somewhere too.

* help! I've messed up P1's quote and don't know how to put it back to normal

[PriorityOne]

Re: our house

The 16 hr rule is very often misunderstood, you get the impression that you can work up to 16 hrs a week and keep your JSA untouched but this is not the case. If you work less than 16 hrs a week you are still regarded as unemployed and required to sign on and look for work BUT only the first £5 of your earnings () are disregarded. If you earn the same or more than your JSA entitlement then you don't get paid anything but your claim is still open and you keep signing on, etc. If you earn less you'll get the difference. These earnings could also affect other benefits you may get like CTB or SMI. Quite a few people have been caught up on this 16 hr rule and have ended up IUCd and having to pay back overpayments, etc.

When I was signing on I had the opportunity to get a job for 2 hrs a day, 5 days a week, I asked both CAB and JC+ and that was the answer so I decided against it.

They don't make it easy for people, do they?....

That still leaves the option to rent the property out though rather than sell it. For many people, rents are unaffordably high, so if you're able to adjust the rent charged on the basis that work needs doing.... you may find that it solves that problem, as has already been suggested.

[Spent2much]

Re: our house

.... and so they bloody well should!! 39 weeks was a ridiculous amount of time!!



Great idea from PlanB and Elsa here.... there are ways of getting around things and if you are both under the 16 hour rule on paper, it's something you should really look into.



It's not about what they'll "allow" as such; it's what the law allows. Find out. You can always phone with an anonymous query if that side of things bothers you.... but I'd get several opinions if I were you. I've had a variety of cack advice from DWP numpties during my time claiming from different staff who didn't have a clue what they were on about.

will look into this thank you Priority One .

[PlanB]

Re: our house

The stress is effecting hubby , yesterday he got a migraine , the visual disturbance type where part of the vision goes , i hate those they make me feel really depressed , but it is the stress causing this .

Every problem has a solution it's just a question of finding the one that suits you. Knowledge is power. If you do the research into all this then you'll feel back in control, because stress is really about feeling out of control. Maybe start with getting some estate agents to value your house for both selling and renting.

You and your husband sound like a great team so you'll get through this together

[PriorityOne]

Re: our house

Not quite, the government reduced the waiting time from 39 weeks to 13 weeks in 2009 after the credit crunch.

.... and so they bloody well should!! 39 weeks was a ridiculous amount of time!!

Is there any reason why you couldn't work two days at the market and your husband work the other two days which would keep you each under the 16 hour rule? I don't know anything about benefits but I presume you're assessed seperately

Great idea from PlanB and Elsa here.... there are ways of getting around things and if you are both under the 16 hour rule on paper, it's something you should really look into.

Good morning Elsa, i don't know if they would allow hubby to work 2 days and me the other 2 days as it then still works out that we are both working 4 days between us.

It's not about what they'll "allow" as such; it's what the law allows. Find out. You can always phone with an anonymous query if that side of things bothers you.... but I'd get several opinions if I were you. I've had a variety of cack advice from DWP numpties during my time claiming from different staff who didn't have a clue what they were on about.

[Spent2much]

Re: our house

The stress is effecting hubby , yesterday he got a migraine , the visual disturbance type where part of the vision goes , i hate those they make me feel really depressed , but it is the stress causing this .

[PlanB]

Re: our house

The house is in bad repair , the back door is not secure enough to rent to anyone , there is damage from when we got burgled in 2010 and we haven't been able to afford to replace the door , the windows upstairs are wood double glazed and need replacing and there is a leak somewhere in the kitchen which we can't find.

.

It'll be tenants occupying the house not orchids ! I'm sure your windows are fine. Adjust the rent to suit the condition of the property. Offer to fix the back door within one month of them moving in and use the first month's rent and deposit to to pay the mortgage and any other DIY jobs needed

Tenants pay all the utilities so they will have to pay the cost of heating the swimming pool not you

[Spent2much]

Re: our house

Hi Spent2much,
I might be stating the obvious, but what if your husband just worked the 2 busier days and you did the two quiet days, so he'd be on 16 hours?

Any potential for renting your house out at a good rent for a couple of years while you stay in the caravan, till you get back on track?

Elsa x

Good morning Elsa, i don't know if they would allow hubby to work 2 days and me the other 2 days as it then still works out that we are both working 4 days between us . My son has offered to take over the business and give hubby 2 days work as my son has a business also and he dosn't mind about the the other 2 days ,but not sure if the benefits office will look kindly on this either .

The house is in bad repair , the back door is not secure enough to rent to anyone , there is damage from when we got burgled in 2010 and we haven't been able to afford to replace the door , the windows upstairs are wood double glazed and need replacing and there is a leak somewhere in the kitchen which we can't find.

When we bought the house the guy who had it before us must have had his priority on his flaming swimming pool , he installed an above ground pool with decking around it which is really gorgeous , but we can't use it as its too expensive to heat up , if he had spent more time on the house that would have been money better spent. We emptied the pool and covered it as we didn't want it turning into a pond lol.

[vint1954]

Re: our house

These are comments from the Land registry

"Restriction


The restriction which can be entered on the register where a charging order is made against one of joint proprietors is in the following form :-
No disposition of the registered estate is to be registered without a certificate signed by the applicant for registration or his conveyancer that written notice of the disposition was given to [name of person with the benefit of the charging order] at [address for service], being the person with the benefit of [an interim] [a final] charging order on the beneficial interest of (name of judgment debtor) made by the (name of court) on (date) (Court reference.…).
You are therefore correct in saying that when the Land Registry receives an application to register, for example a transfer, we will not ask to see the consent of the person who has the benefit of the charging order. We will only want a certificate from the applicant for registration or his conveyancer that the person who has the benefit of the charging order has been given written notice of the transfer.

If both joint owners sell the land to a third party the restriction will be cancelled when the transfer to the purchasers is registered."

[PlanB]

Re: our house

LOL posts crossed ( I was eating my toast) ..great minds PB

If two people think this is a good idea then surely it must be worth considering

[vint1954]

Re: our house

not selling to pay off debts, eversheds got a charge on the house four years ago it was originally a virgin credit card.
We are self employed and the business is struggling, i have applied for jobs all over with no luck and so has hubby, we live in a crap area where no jobs hardly .

If there was a way of keeping the house we would , its just too expensive , we could give th business up and sign on but we would not be able to make up the interest payments as support for mortgage interest would leave £162 a month short and we are already in arears and supposed to be paying it back at £30 a month. jsa is only £111.45 a week so it dosn't leave much to pay for electricity and food does it,neither of us smoke or drink so it isn't like we spend money on that .
We will have to live in a caravan on a friends farm .

Don't forget, if the house is owned in joint names and the debt is in only one persons name, it cannot be a full charge over the property.

The solicitor at sale, only has to notify the charge holder of the sale, not pay him off. If you get the right solicitor, they notify them late in the day, too late to collect on the order before completion.

[Undercover Elsa]

Re: our house

LOL posts crossed ( I was eating my toast) ..great minds PB