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Mortgage on universal credit unfair than rent
MarkIngleton
Community member Posts: 33 Connected
I have been told I have to much savings I said this is for house repairs if I need them . As a home owner if my house is sud standard the council can take it off me but universal credit said it's still savings . if you rent your land lord has by law as to keep you safe and warm . Not the case if you own your house .Should we as house owners have a allowance for repairs separate to savings as we have mortgage to pay . and repairs
Comments
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Hi there
Unfortunately that is the case f8r home owners
You don't get any housing element if you own your own house either as opposed to help if you rent
I lost my home when I became disabled and unable to work and pay a mortgage as a single parent -
Explain how your council would take a house off you? have you seen the ITN investigation in to sub standard social housing some people have been reporting mould and damp for years. For all means tested benefits savings are savings, it would be impossible to drill down into what the savings were for, on millions of claims.
So no I don't think an allowance is a good idea, in fact I think its a very bad idea.2024 The year of the general election...the time for change is coming 💡 -
But there is a big difference the landlord makes money from the person it's his responsibility by law we don't make money we came not move you can make a complaint to the housing officer he can make them do the repairs if not court .the council takes my property repair it them rents it back to me even if I have paid the mortgage off
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That sounds complicated my son brought his council house but they still have to do their own repairs if he wanted to sell it he would have to sell it back to the council unless he had paid the mortgage off then he owns the house and its his to sell to whoever he wants
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MarkIngleton said:But there is a big difference the landlord makes money from the person it's his responsibility by law we don't make money we came not move you can make a complaint to the housing officer he can make them do the repairs if not court .the council takes my property repair it them rents it back to me even if I have paid the mortgage off2024 The year of the general election...the time for change is coming 💡
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It sounds like
percentage so part rent and you pay each month and then you pay a percentage off as well if you want so they can own 20% and the rest by the land owner the more they pay the more they own -
Woodbine it's easy the land lord makes money it's up to the person to complain they rent have more legal rights and can get help to put it right we don't have rights we have no land lord if my boiler stops working I have no hot water or heating land lord by law has a duty of care . to fix it you can complain to the council or to the company how rents it first .IF we don't have the money we have No way off fixing.
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My brother owns his council house out right now so he has to do his own repairs now aswel
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MarkIngleton said:Woodbine it's easy the land lord makes money it's up to the person to complain they rent have more legal rights and can get help to put it right we don't have rights we have no land lord if my boiler stops working I have no hot water or heating land lord by law has a duty of care . to fix it you can complain to the council or to the company how rents it first .IF we don't have the money we have No way off fixing.2024 The year of the general election...the time for change is coming 💡
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MarkIngleton said:Woodbine it's easy the land lord makes money it's up to the person to complain they rent have more legal rights and can get help to put it right we don't have rights we have no land lord if my boiler stops working I have no hot water or heating land lord by law has a duty of care . to fix it you can complain to the council or to the company how rents it first .IF we don't have the money we have No way off fixing.
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I totally agree but if you have some one else taken that responsibility away don't they have a responsibility two .
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I don’t really know what your getting at. Whatever agreement is in place and because you bought your home, surely you knew what you were getting yourself into?
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No one knows whats r ound the corner my point is should we be allowed serpert amount for repairs and not counted as savings
And should this be counted as income. As savings are -
Unfortunately. It will be classed as savings.
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As you own a house, you have a large amount of capital tied up in it that renters don't have. You're also always 'banking' the money spent on a mortgage each month into it, increasing that capital.
Renters lose the money the moment it's paid. They don't have anything more than their savings account.
If the worst should happen, you can sell your house to get some money back. This is why a mortgage doesn't get paid by benefits like rent does.
I can see your point, and understand where you're coming from, but there are pro's and con's to both rent and mortgage. I don't think either is being treated unfairly by having the same savings limits.
(I don't actually agree with the savings limits themselves, but that's for another thread!) -
@woodbine it's my understanding that if you have savings over 6000 you can't get help from universal credit if I am wrong then I apologise and please correct me
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Hi @lisathomas50. From Turn2Us regarding savings and Universal Credit:
Any capital/ savings you have under £6,000 is ignored.
Any capital/ savings you have between £6,000 and £16,000 is treated as if it gives you a monthly income of £4.35 for each £250, or part of £250, regardless of whether it does or not. So if you have £6,300 in a savings account, £6,000 of it will be ignored and the other £300 will be treated as giving you a monthly income of £8.70.
If you have capital/ savings over £16,000 as a single claimant or as a couple you will not be entitled to Universal Credit. Some capital can be ignored when working out if you are entitled to Universal Credit.
If you are a member of a couple but have to make a claim as a single person, your partner's capital/ savings will still be taken into account. -
That's a laugh I got 1 .25 last year interest for the whole year
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lisathomas50 said:@woodbine it's my understanding that if you have savings over 6000 you can't get help from universal credit if I am wrong then I apologise and please correct me2024 The year of the general election...the time for change is coming 💡
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MarkIngleton said:That's a laugh I got 1 .25 last year interest for the whole year2024 The year of the general election...the time for change is coming 💡
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