Inheritance/ impact on UC/ Mortgage

Sunflower15
Sunflower15 Community Member Posts: 21 Connected
in Universal Credit (UC)

Hi
I am aware of all the UC guidelines on this I am just so anxious. I will try to summarise


house sold in April, funds have 6 months disregard, staying with dad trying to find a home to buy


difficult due to exhaustion


I receive LCWRA UC, standard element and transitional protection plus PIP (I know (PIP is not means tested)


was in process of buying a flat but pulled out due to serious legal concerns with lease


searching weekly


I had a mortgage agreement based on PIP and UC but it expires in 10 weeks


now I am receiving some inheritance from my late uncle


it will be around 6k over the 16k limit for UC


when I report it if my claim is closed I will no longer be able to afford a home because my mortgage is based on having UC


I feel very stressed when I know it’s also a blessing but I am so very very worried and scared


Context - my mum died and I was living in her house with her for a few years before she passed and afterwards too, the house was sold so as to settle her estate and I’m still grieving her and my home. It’s been a hellish 3 years.

Thanks for any help as I don’t know what to say in my journal and I want to try to get a human being to look at this carefully and so as I’m not left without a home.

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Comments

  • Kimi87
    Kimi87 Community Member Posts: 8,907 Championing

    There likely won't be any grounds for UC to disregard the inheritance from your Uncle.

    Have you spoken to your mortgage broker?

  • Sunflower15
    Sunflower15 Community Member Posts: 21 Connected
    https://forum.scope.org.uk/discussion/comment/1140352#Comment_1140352

    I have tried to but he’s not responding. When I asked him previously a few months ago in May he said my mortgage is safe (I still have 4 months left then) and to find something quick. I have been trying so hard to do so.

    But not responding the last week to these questions.

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