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double wammy on housing benefit

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ProfilePosted byOptionsPost Date

maggiewinchester

maggiewinchester Report 30 Mar 2013 19:21

Private rentals aren't per se included in the bedroom tax.
BUT there is to be a cap on housing benefit, so if you are in a high rental area in private rental and lose your job, you will suffer financially.

KittytheLearnerCook

KittytheLearnerCook Report 30 Mar 2013 19:14

I looked at the link Rollo.....it wouldn't have helped us as it says

"Eligibility
Someone in your household must be in ‘priority need’. This could be:
a pregnant woman
someone with dependent children
someone who is vulnerable because of old age or a physical or mental impairment"

It then lists other criteria and we would only have met the income being less than £60,000 a year one..............with us both working we earn about a third of that
:-(

KittytheLearnerCook

KittytheLearnerCook Report 30 Mar 2013 18:52

I know how horrible it is to be on benefits albeit for a very short time, so am not without sympathy but....

How can a relative of ours, single mum of 1 living in a rented flat on benefits, have more disposal income than her sister, also a single mum of 1 who works 30 hours a week and lives in the same sized flat?

It seems a tad unfair to me

:-(

Muffyxx

Muffyxx Report 30 Mar 2013 18:52

That gives you 2 yrs max though doesn't it? ...and then only at the discretion of your mortgage provider?...sorry can't check this for myself as my puter is playing up and I'm getting stupid black blocks over any link I try to open...will read up later when I reboot..........**edit***...and as I recall will only pay up to about 3ish% interest....bummer if your rate is a set one and nearer 5-6 %

RolloTheRed

RolloTheRed Report 30 Mar 2013 18:48

If you cannot pay the mortgage e.g. after being made redundant, then their is a government scheme which will cover mortgage payments on an interest only basis for some time.

https://www.gov.uk/mortgage-rescue-scheme/overview

Muffyxx

Muffyxx Report 30 Mar 2013 18:44

We had to do the same Kitty....know exactly how hard it is getting the mortgage ins to pay out...Money that we had been paying month by month to them for YEARS I might add !!!!!

...you have to jump through hoops...and then you only get it paid for the first year.......bye bye house if you're unemployed any longer.

At that time I genuinely regretted buying my own house....it would've been much easier without the worry of the mortgage and the nigh impossible demands of the insurance company hanging over our heads.

JoyBoroAngel

JoyBoroAngel Report 30 Mar 2013 18:43

private rents are not included in the bedroom tax

GinaS

GinaS Report 30 Mar 2013 18:42

Why not scrap the Social payments altogether - then everyone pay for there own health schemes, schooling, University's etc., and bailouts to Industry and Commerce, lets us go back to the good old days of the 1800 and early 1900's.
Make the Tories Happy...........

KittytheLearnerCook

KittytheLearnerCook Report 30 Mar 2013 18:41

And if you are unemployed with a mortgage to pay, you get no housing benefit at all!

Been there done that and it was no fun :-(

Luckily it was for only 2 months and we had a very understanding mortgage company

OneFootInTheGrave

OneFootInTheGrave Report 30 Mar 2013 18:41

Excellent post Rollo, my opinion is that this governments plan is to take us back to when Marquess of Salisbury was Prime Minister and Queen Victoria was on the throne :-|

terryj

terryj Report 30 Mar 2013 18:38

the housing ass my wife works for have no 1 and 2 bedroom properties available
when we were out and about today we past a large area of cleared ground where council flats used to be i said that could be used to build load of 1 and 2 bedroom properties to which she replied there is no money available for social house building

re benefit payments
a lot of the benefits are paid to working families to make their pay up to a living wage

InspectorGreenPen

InspectorGreenPen Report 30 Mar 2013 18:32

The perception of how the cake is cut is far removed from reality.

In fact, the actual number of bankers earning large bonuses is very small, so whilst it is politically a hot potato, the amounts of money we are talking about is a drop in the ocean when it comes to the amount spent on benefits and other public spending.

This year non pension welfare benefits alone cost £115,000,000,000 which equates to £1800 spend per head of population, so if the total of bank bonuses paid was £1,000,000,000 and all this is put towards welfare it would reduce the cost to £1785 per head of population. Hardly spectacular.

The fact is that under the last government, public spending was allowed to rise. Welfare payments alone doubled in ten years whereas prices and average income for those working only rose by a third.

And as far as the super rich are concerned the top 20% earners already contribute to 80% of all taxes collected. Perhaps they should pay even more? 85%? 90%? 95%?

The 'bedroom tax' isn't a tax at all, it is a minus tax to those who already pay tax.

As Roy has said, reducing benefits where there is spare capacity must be the right thing to do and I know the main social housing provider in my city is assisting those affected to move to more appropriate accommodation. Lack of one beds isn't an issue.

If you don't want to move then your choice, pay the difference, 14% cut in current benefit for one unused room, 25% for more.

Porkie_Pie

Porkie_Pie Report 30 Mar 2013 18:25

Just a thought, My daughter had to rent a house "Private rented" and when she was made redundant so had to receive benefits her housing benefit would not cover the rent and she had to pay the shortfall out of her benefits, it was around £60 per month, She was told that housing benefit was set according to her needs and she was in a 3 bed house but only needed a two bed roomed house, That was 7 years ago so whats changed?

Why has this only now become a problem?

I seems to me that some people in council houses to some extent have been having a free ride

Roy

Mersey

Mersey Report 30 Mar 2013 18:23

I could not agree more with what Muffy says!!

Muffyxx

Muffyxx Report 30 Mar 2013 18:03

Try working all your life to buy a house.........then have to go into residential care and the whole job lot ends up being given to the government.....when someone without the house gets the same residential care without paying a penny.

Life ain't fair sometimes on anyone and nor is the grass always greener.

JoyBoroAngel

JoyBoroAngel Report 30 Mar 2013 18:01

technically its not a tax but a benefit cut

Chrissie

Chrissie Report 30 Mar 2013 18:01

Well written, Rollo

RolloTheRed

RolloTheRed Report 30 Mar 2013 17:58

For private landlords it is not a paying proposition to build 1 bed flats except conversions in Greater London. Just look at, say, Leeds if you doubt this.

Social landlords have to achieve a certain population density and in any case are not in a position to add much to single bed housing stock. Most of what they do have is taken up by pensioners with long waiting lists.

Thus the bedroom tax amounts to nothing much more than a cut in housing benefit as it applies whether alternative property is available or not.

It is simply not true that there is a vast army of "benefit scroungers" determined to live high on the hog at taxpayers expense. Those who believe it to be true spend far too much time reading such rubbish as the Daily Snail and XP as well as assuming that social housing areas are full of fugitives from road wars. They should get out more, off their soapbox and off the sofa.

What is absolutely true is that the changes in housing benefit including payment direct to tenants is going to turn the private landlord business model upside down. It will also have a very negative impact on social landlords.

50 years after "Cathy Comes Home" we are about to go full circle.

The reason that the social welfare bill keeps going up is the state pension which is far and away the largest part of welfare spending. The math is simple - more and more baby boomer pensioners living longer and longer. Maybe removal of the heating allowance would do the trick getting thousands more to freeze to death.

Bring on the clowns.



maggiewinchester

maggiewinchester Report 30 Mar 2013 17:58

...but they can still lie and get it back...

Porkie_Pie

Porkie_Pie Report 30 Mar 2013 17:54

I agree with the reduction in benefits for people in social housing "if they refuse" to move to a more suitable property but only when their is a more suitable property available

maggiewinchester, The answer to getting your deposit back is to only rent from reputable landlords/letting agencies

In England and Wales, if you rent your home on an assured shorthold tenancy that started after 6 April 2007, your landlord must place your deposit in one of the following tenancy deposit protection (TDP) schemes:

Deposit Protection Service
MyDeposits
Tenancy Deposit Scheme
Capita Tenancy Deposit Protection
Deposit Protection Service Insured

https://www.gov.uk/tenancy-deposit-protection

Roy