Needing Some Advise Again! — Scope | Disability forum
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Needing Some Advise Again!

coldupnorth Community member Posts: 26 Connected
Hi guys, my mind is running overtime so I'll try to keep it brief and to the point. I spent an hour earlier trying to contact the Citizens Advice Bureau for my area and it just rang and rang and I gave up. 

My situation is as follows...

I've been living at home with my parents (lost Mum in October) for the past 10 years since my health issues began as I was not in a position to live alone physically,  mentally or financially.

One day it will inevitably be me here alone as my dad is 80 years old and while currently healthy we lost Mum very suddenly last year at 75.

This is obviously going to turn my world upside down as I'll be grieving, alone and no doubt under pressure from the bank to sell the house (around 50k) still owed to the bank. I have literally zero idea of how I'd go about selling a home, cancelling utilities, tv contracts etc. I've no idea where I'll live or how quick the whole process takes to sell a house. I'm fairly certain this is enough to put me in a bad place again. In my current situation I can afford to run the house, normal bills and food etc as I am in receipt of ESA(IB)SG w/SDP & PIP Higher Daily Living and Lower Mobility.

The remaining money from the sale will be split four ways between the four sons. This is a massive worry in itself as that inheritance money is initially going to cause me more harm than good as it will comfortably take me over the 16k upper saving limit and with living alone (no partner) I'll burn through that just trying to survive. The inheritance would no doubt be better putting towards a place of my own, but as I'm long term sick I would never get a mortgage even with putting 50k (roughly) down from my share of the house sale. Renting somewhere is obviously so much more expensive and with the cost of living on energy/food/bills and receiving no benefits because I'm over the savings limit

What would you suggest I do to prepare for this inevitability? It's got my really worrying the last few weeks and was finally going to face it head on today with Citizens Advice but as I say, it just rang out. 

Hoping somebody can help or give some direction. 

(Is there a way I could keep my benefits as they were and put any inheritance straight in to a small property for myself or will DWP look at that as excessive spending? Even then, how would I get a bank to give me a mortgage, albeit a smaller one, if I'm on benefits??

Hope I've given enough detail and apologies for typos. If you need to know anymore about my situation then please just ask as I appreciate all input)

Thanks guys


  • woodbine
    woodbine Community member Posts: 10,365 Disability Gamechanger
    If you can't get hold of CAB have you tried welfare rights? although my best advice would be to not worry about something that hasn't yet happened, that said your PIP won't be affected same for cont.based ESA if any of your ESA is CB.
    Seasons greetings to one and all 🎄🎅🏻🌲
  • rebel11
    rebel11 Community member Posts: 1,605 Pioneering
    Sorry for your loss, I don't know the 'in's and out's', but I think Estate Planning now might help. Will the brothers want the house sold? There has to be a solution to the outstanding mortgage?


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