UC and 6 month disregard after sale of inherited house
Hi
I was told my CAB, Scope and UC themselves that I would qualify for the 6 month disregard of capital after the sale of my late mum’s house in which I lived.
Sale completed a week ago. I reported the capital which is in a joint executors account held by me and my sister. Her house purchase completes tomorrow. Mine has only just started and I’ve had to move in with my dad.
They have come back saying in order to qualify you needed to have owned the house. They have called me to the job centre to present evidence on Friday and it will go to a decision maker.
I am shocked and deeply unsettled as I have left the security of the inherited home and now may not have a home if they don’t give me the disregard.
The house had to be sold as even though my sister and I were the beneficiaries of it there was a lot to settle on the estate.
I’m in the process of buying a flat so that I never have to be homeless again nor in the rental system and claiming HB element.
Anyone have experience of this situation please?
It’s been a year of horrendous stress and grief and I’m exhausted after it all and now am scared I won’t be able to buy a little home. Which Mum wanted for me and both of us.
Thank you 🙏🏻
Comments
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Hi,
I am sorry to hear about this situation. It is an unusual one and I'm not sure whether they are correct about not technically having owned the house yourself in a case like this.
However there is another part that could apply to you. As your home purchase process has already started, that could also create a 6 month disregard from the date of getting the money.
You can see the exact wording of the legislation here. (Page 25 onwards)
ADM Chapter H2: Capital Disregards
Premises intended to be occupied
1 UC Regs, reg 48(2)H2212 Premises that a person intends to occupy as their home shall be disregarded in calculating that person’s capital where the person
2. is taking steps to obtain possession and they began those steps within the past 6 months
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