

(35 Posts)
SurpriseMuffins Sun 28-Jul-13 10:37:15

Apologies in advance, long back story!








What the heck can I do? WWYD?

expatinscotland Sun 28-Jul-13 18:50:40

I'd be extremely surprised if an HA will buy a house just to rent it back to you.

SurpriseMuffins Mon 29-Jul-13 15:39:15

Quick update...housing associations will not buy the house, they are all full up.

I am waiting for a call back from another organisation (who CAB put me into contact with), j who might our might not gave any ideas. IMO it's not looking hopeful.

lougle Mon 29-Jul-13 16:33:28

I think you need to be realistic about your options. It doesn't sound like any of your family are now in a position to delay the inheritance they are entitled to.

As you are both out of work, it's unrealistic to think that you could buy them out, so you are going to need to move house.

The best thing you can do is start looking at houses which will meet your needs.

FasterStronger Mon 29-Jul-13 16:54:47

you also need to consider how inheriting cash may affect your entitlement to benefits. CAB should be able to help advise you.

LIZS Mon 29-Jul-13 17:04:39

sorry it does sound a long shot now. I agree you and dh need to reconcile yourselves to moving as a positive option if it were to become necessary . Are there any shared ownerships or affordable new builds in the area which you could buy into with the proceeds or use the capital to pay a deposit and subsidise your hb . If you stay local dh can surely keep the allotment at least ?

expatinscotland Mon 29-Jul-13 18:27:10

Can you use the inheritance as a deposit in a nicer, privately rented home?

Faster has a point, too.

Shared-ownership means a mortgage, which you can't get if you are not in work.

SurpriseMuffins Mon 29-Jul-13 19:21:46

Yes, I realise it looks likely we will be moving. DH is now at least entertaining the idea that it isn't all doom and gloom - I pointed out that while we may be busy moving/decorating a new home, it doesn't mean that the allotment can't be kept minimal and resumed when we have more free time.

He doesn't seem so down now we have some input into the situation so maybe he can come to terms more easily than I thought.

Already thought of the inheritance effect on benefits but not sure where to start. I will do some research now.

One more thing - I won't be able to use the inheritance to pay for any deposit because presumably the house won't be sold until after we move.

lougle Mon 29-Jul-13 19:25:22

The basic issue with inheritance is that if you have capital or cash over £16,000, you aren't entitled to benefits. However, if the capital is tied up in probate, it may not be counted until the cash is released. The Council will help you.

FasterStronger Mon 29-Jul-13 19:36:17

you can use a deed of variation to pass the cash to e.g. your children, but you would need to be very careful regarding Capital Deprivation.

domesticdiva Thu 08-Aug-13 10:00:41

Its sounds like a horrible situation for you, so sorry for you. Im a little confused though since even if your DB or another of your siblings bought your house then its unlikely you would be able to claim HB when you rent from a relative. Im surprised you were able to claim whilst the house was in your DMs name. Hope it all works out for you.

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