Universal Credit
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I really need to move out - How can I do that?

OwlsieOwlsie Member Posts: 4 Listener
edited August 2018 in Universal Credit
Hi, I have been claiming universal credit for a while now, I'm on the enhanced rate for disability (not sure if that's the right name) but only get the living component.

I live with my parents rent free but... I have dissociative identity disorder, something that was caused by them. I'm 27 and still captive in my home (my fiance also lives with me) Things are getting really bad here, my health is declining and I feel stuck. I want to get the housing element of Universal Credit but all the information online says that you can't get it if you are living with a relative. I want to move out. I need to move out. I can't find any information on how to make this possible? I can't afford rent on just the daily living component but I can't get the housing element until I have I house.. it doesn't make sense to me. Any help would be appreciated. I feel I'm at rock bottom and getting away from my abusive parents is necessary.

 I really don't want to go to a shelter or tell anyone that they are abusive because I can't have any officials talking to them. 

Replies

  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Your daily living award of PIP is separate to your UC payment. To be able claim the housing element of UC you must first find somewhere to live, once you've moved into the property then you can claim the housing element of UC and you will need your tenancy agreement to be able to do this.

    Finding a place to live while claiming benefits can be very very difficult. A lot of landlords and agencies will not rent to those claiming benefits. If they do agree then very often a guarantor is needed. Social housing registers are extremely long and have waiting lists of several years across most of the country.

    For privately rented property you will also need to find 1 months rent in advance plus the bond, which is usually the same as 1 months rent. All agencies charge a fee which can be anything from £200. It's very expensive and can amount to well over £1000 depending on what property you rent. For privately rented property then maybe a search of what's available in your area that accept DSS (benefits) Gumtree sometimes have them but do be careful using this because of scammers. Local letting agencies in your area may accept DSS, some areas will and others refuse. It really depends on your area.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • OwlsieOwlsie Member Posts: 4 Listener
    Yes sorry, I have PIP and LCWRA.

    We are lucky that my finances parents are willing to be a guarantor and will probably cover the extra costs.

    So basically I find somewhere to live, get the costs sorted, make sure the landlord is OK with benefits and they will definitely give me the housing element?

    There is no way I can look for work. So this can be the only way. I don't understand how people do it.

    Thank you for your help, its given me a lot to think about! 
  • NY19NY19 Member Posts: 14 Connected
    Yes, when it says you can't get it if you're living with relatives, it means you can't claim it to pay rent to/for your relatives. But as poppy123456 says, you have to actually move out first, and then claim the money. It's a really bad system and there's no way around it that I know of.

    I think you could safely talk to someone at Shelter without any "authorities" being involved, and it would be a good idea as they can give you expert advice on finding a new home. I assume you have spoken to your GP/psychiatrist about your situation as well??

    By the way, I have previously lived in a privately rented flat and did NOT have to pay any agent fees - I found the flat online and dealt directly with the landlord who had a large number of properties. Depending on where you live this might be possible.

  • TopkittenTopkitten Member Posts: 1,263 Pioneering
    The difficulties shown will make it complicated and you cannot move out and deliberately make yourself homeless and then get the benefit. You MUST have a good reason. If you won't use your parents as the reason you are ill then you have very few options. All you can really do is save like crazy and get into private rent and once that is done then you can apply but, as has been said, there are many difficulties and it really does depend on where you live.

    TK
    "I'm on the wrong side of heaven and the righteous side of hell" - from Wrong side of heaven by Five Finger Death Punch.
  • OwlsieOwlsie Member Posts: 4 Listener
    Thank you for all of your information, it has helped me a lot. Benefits are really complicated!! 

    Shelter is a good idea, thank you
  • poppy123456poppy123456 Member Posts: 22,218 Disability Gamechanger
    Being able to claim for housing before you move into a property was never possible even before it became UC. Having rented myself privately for many years it's difficult. Yes you do get landlords the rent to DSS claimants and who won't charge you any fees but this will depend on the area you live. There's some areas that are more difficult than others.

    @Owlsie My advice would be to pop both of your details into a benefit calculator to see what housing element you'll be entitled to. Also remember that Council Tax reduction isn't part of UC and has to be claimed separately from your local council.
    Proud winner of the 2019 empowering others award. This award was given for supporting disabled people and their families for the benefit advice I have given to members here on the community.
  • RipplesRipples Member Posts: 189 Pioneering
    @Owlsie The advice you have been given is good and worth following. One thing I should point out before you seek private property is to be aware that you will only be paid for a one bedroom property as a couple. You should also find out your LHA ( Local Housing Authority), rates which shows the maximum amount they will give you per week towards housing.
    Although not easy to get these days social housing registers as kept by the council and Housing Associations is another avenue to explore. You may qualify to be put on the register for housing but it is a long wait for many. 
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