help! (tedious question about housing benefit in london)

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bah, money is rubbish. i am sick of being skint but i can deal with it, but now it looks like we might have to move out of our house and it is ALL MY FAULT for not making enough money :( we were 6/7 and now we are 5 and i can't afford it any more. BUT the others just about can, so we all can if the council will give me some housing benefit. i am gonna go to citizens' advice on friday and i am gonna send a housing benefit thing off v soon but that will take forever and we need to decide soon cos 2 of us won't be here for half of july and all of august. does anyone know enough about the labyrinthine working-out processes wsrt hackney to tell me if i'm in with a chance (cos i love this house and the people in it and the place it's in and, er, i still haven't finished painting my room that i started in january) or if i need to start packing?
the details are: after tax & ni i make about £720, my rent (includes no bills or council tax) has been £325 until 2 months ago (1 person moved out), is now £355 and in september will go up to £380. council tax is £125 a month, so £25 each. i know they have to figure out if they think the rent i pay is reasonable (haha, as if) for the property, so it's a 5-bed terraced ex-council 3-storey house with small back and front gardens (well, the front one isn't really a garden, more just some purple stones and crisp packets and a rose that thinks it's a triffid), living room, kitchen, bathroom and a separate toilet and shower. no parking. i have no dependents, no partner, no savings, no disabilities and no other income. any advice much appreciated... will obv repay in kind if poss (or in big plates of pasta and wine from a crystal goblet if not).

emsk, Wednesday, 29 June 2005 00:29 (twenty years ago)

Argh, argh, I don't know, I wish I were more help at this sort of thing. But that suX0rs. I know nothing about housing benefits and how it works, I suspect that you would actually be qualified for housing benefit, but I've no idea how to get it or how long it would take. Especially in Hackney!

Probably worth giving it a try, regardless...

MIS Information (kate), Wednesday, 29 June 2005 06:51 (twenty years ago)

I think you have to apply for it through income support. There appears to be no informationa bout the thresholds etc. for getting both benefits but I figure income support must tail off before housing benefit does. Ring your local jobcentre to apply.

Ed (dali), Wednesday, 29 June 2005 06:58 (twenty years ago)

Actually, it apeears that you can apply direct for HB from your council without applying for IS.

Ed (dali), Wednesday, 29 June 2005 07:01 (twenty years ago)

http://www.dwp.gov.uk/lifeevent/benefits/housing_benefit.asp

Ed (dali), Wednesday, 29 June 2005 07:01 (twenty years ago)

Emsk, it's all on www.hackney.gov.uk including the forms.

It might also be worth checking if you are paying too much tax to begin with.

suzy (suzy), Wednesday, 29 June 2005 07:09 (twenty years ago)

hey thank you all! yeh, you can apply direct through the council - i was getting it before in tower hamlets when my rent was £352 (haven't applied here cos rent was so much less and i got told the shortfall had to be bigger in hackney anyway before they'd pay you anything) - but it just takes forever for them to go through all the processes (like 2/3 months!) and i suspect it will be even longer in hackney, and we need to know what we're doing in the next month cos the russian is off for 5 weeks from start of aug and not back til the day before our contract is up. wish they would just have a calculator online where you could put in all your details and it would tell you!
suzy, do you think i'm paying too much tax? that would be awesome, i would be due such a huge windfall! c works out all my tax stuff obv. if i make £880 gross per 4 weeks, does it sound like they take too much tax off if i end up with £720? i thought it did at the beginning but then did some v sloppy headsums and thought it sounded about right (well, maybe not "right", but accurate).

emsk, Wednesday, 29 June 2005 07:36 (twenty years ago)

Damn, we have exactly such a calculator, but it only works for mortgages, not for rent. :-(

MIS Information (kate), Wednesday, 29 June 2005 07:38 (twenty years ago)

Judging by those numbers you are being paid minimum wage even though it is a salaried position, right?

Anyway, who told you about the thresholds in Hackney? Legally they are supposed to turn around claims in a fortnight (although in practice they don't and people are afraid to call them on it because they fear personalised red tape as a result). You can help them do the claim more quickly by filing in person with a completed form, carefully noting the person you speak to and - this is crucial - getting them to show you how they calculate the benefit from your figures. Keep going back to that person through the claims process.

suzy (suzy), Wednesday, 29 June 2005 08:20 (twenty years ago)

Simplified version of Housing Benefit rules:

Any income over about £55 reduces the benefit you would receive by 65% of the income above that amount..

i.e. Say your rent is £100 pw, and you also earn £100 pw.

Your HB is reduced by 65% of £45, or £28.25. You would therefore receive (in theory) £71.75.

In practice there are other factors, and councils will ALWAYS try to pay you less than the amount they should, but then will usually raise it to the proper amount when you complain.

Eyeball Kicks (Eyeball Kicks), Wednesday, 29 June 2005 09:12 (twenty years ago)

(If you're under 25, the figure is £45 rather than £55.)

Eyeball Kicks (Eyeball Kicks), Wednesday, 29 June 2005 09:15 (twenty years ago)

There is a tax calculator at http://www.i-resign.com/uk/financialcentre/tax_calculator.asp which is a year out of date, but it suggests that you are paying approximately the correct amount.

Eyeball Kicks (Eyeball Kicks), Wednesday, 29 June 2005 09:20 (twenty years ago)

thanks all of you for all this help.

suzy, i get £220 a week gross for 29 office hours (about £7 an hour) plus whatever evening/weekend stuff there is to do. if it's a big thing i do get overtime, but it usually isn't. and filing in person is a great idea, if tedious, so cheers for that. k3lt4n house here i come.

eyeball, is that taken from gross or net income? net i guess... which is £180 - so does that mean if i earn £180 a week and my rent is £82 or £88 a week i get it reduced by 65% of £180 which is £117, which leaves £63, so would i get £63?

perhaps they will give me council tax benefit as well, though i think you have to be a full-time student single parent refugee with no limbs and asbestos poisoning before they do that.

emsk, Wednesday, 29 June 2005 15:37 (twenty years ago)

Emsk, when are you leaving work? I don't want to be waiting in the Freemasons Arms too long or Masons might eat me!

MIS Information (kate), Wednesday, 29 June 2005 15:38 (twenty years ago)

emsk, the income used to calculate the benefit is net.

Your income, £180, is £125 more than the amount the government says is the minimum a person needs to live (£55 - what a person on income-based jsa receives).

Therefore the benefit you should receive would be reduced by 65% of £125 = £81.25.

i.e. I am afraid that with your rent at £82 the most you could expect to receive would be 75p a week.

Eyeball Kicks (Eyeball Kicks), Wednesday, 29 June 2005 16:18 (twenty years ago)

I forgot they also don't count the first £5 of your income, so you could potentially be in for an additional weekly windfall of 35% of £5 = £1.75.

Eyeball Kicks (Eyeball Kicks), Wednesday, 29 June 2005 16:33 (twenty years ago)

When I first moved to London I was earning 700 a month, paying 350 a month rent. I asked housing benefit if there was any way I could get any housing support:

"sir, there are far more deserving cases than you *not* getting housing support"

Can you not get in another housemate if numbers have gone from 6/7 to 5?

Porkpie (porkpie), Wednesday, 29 June 2005 18:17 (twenty years ago)

but but but in tower hamlets they gave me a tenner a week or something, and that would be enough to make it possible to stay here. (rent was £352, pay same as now.)

porkpie, we don't have any spare rooms. we had 2 couples and one half of one moved out then all the other couple moved out and we got a single person instead of a couple. this was FUCKING STUPID and now we understand this. am wishing we'd got 2 ppl in there cos all would now be fine. perhaps we should just be horrible to him and hope he leaves.

emsk, Thursday, 30 June 2005 08:14 (twenty years ago)

Chris, this was also a civil servant working for a government department that complains regularly that X millions/billions in benefits go unclaimed by qualified claimants like you, I take it?

Emsk, how much would your rent be if you figured it out by room rather than by person?

suzy (suzy), Thursday, 30 June 2005 08:25 (twenty years ago)

The Dirt Queen to thread...

(No, not really. She worked at Shoreditch jobcentre and used to make such complaints on a regular basis.)

MIS Information (kate), Thursday, 30 June 2005 08:34 (twenty years ago)

but but but in tower hamlets they gave me a tenner a week or something, and that would be enough to make it possible to stay here. (rent was £352, pay same as now.)

Emsk, if you put your details into a Housing Benefit calculator (such as the one at http://www.medway.gov.uk/index/community/benefits/webbencalc.htm) it says you should get £1.53 a week HB, which is about what I worked out.

HOWEVER, if you change the option for how many hours a week you work to "30 or more" instead of "16 to 29" the program assumes you pay more tax for some reason, guessing that your net income is £165. That would give you a tenner a week in HB, as you say you used to get. I'm assuming that some computer in the Tower Hamlets office decided you were slightly poorer than you really were.

Dunno why the number of hours you work makes a difference but probably worth applying after all. Just make sure you put your average working hours as more than 29 on the form.

Eyeball Kicks (Eyeball Kicks), Thursday, 30 June 2005 11:48 (twenty years ago)

woohoo! i think the working hours thing is the diff between part time and full time maybe?

suzy, that is worked out by room. we have 3 big ones and one ok sized one and one small one. mine is the middle sized one (moving into smaller room not really an option as too many cds, books etc, plus it has been 3/4 beautiful bright blue for the last 6 months and if it takes me this long to do one room i don't wanna have to do another soon). the whole house is £1820pcm.

i found a housing benefit calculator here: http://www.mungos.org/hbcalc/2005_06/default.htm and it told me i should get £8.40 a week which would be enough to stay - hurrah! - but i had to put in an allowance of £30 for food for some reason. £8.40 is fine though. but as it's on the st mungo's website perhaps it is only meant for homeless and i am not a homeless, yet.

saw that medway one too but it's different in different areas isn't it? wanted a hackney one, couldn't find one... lewisham council tells me i would get £8.35 (i think, end screen is a bit unclear) but i don't live in lewisham.

emsk, Thursday, 30 June 2005 16:55 (twenty years ago)

Without being immensely thick or patronising (I may be missing something), if £8.40 a week is all you say you need to make a difference, can you not find some other way of chopping a few quid out of your weekly spending? Maybe drop buying magazines and/or newspapers, an album, a book, a couple of pints, a couple of packs of cigarettes, a top-up voucher for a mobile, wait until the supermarket is closing so you can buy reduced price food, some combination of these things? When your monthly disposable income is over £300, an extra £35 a month isn't going to make *that* much of a difference, is it? People do survive on a lot less, you know.

ailsa (ailsa), Thursday, 30 June 2005 17:48 (twenty years ago)

It's not exactly like Emsk is living the life of luxury at the moment!

MIS Information (kate), Thursday, 30 June 2005 18:32 (twenty years ago)

My point being that Emsk isn't really in a position to be living a life of luxury - being underpaid and living in a house that means one has to cut down on some of life's luxuries means you need to look at alternatives. If moving and/or getting a new housemate, or getting another job isn't an alternative, then something else has to give. Without sounding like a Mail reader, there *are* people more deserving of taxpayers' assistance than someone with over £300 disposable income per month.

But I did warn you I was probably being thick and patronising. So just ignore me.

ailsa (ailsa), Thursday, 30 June 2005 18:42 (twenty years ago)

...Living in a house that one can't afford..., that should say

ailsa (ailsa), Thursday, 30 June 2005 18:44 (twenty years ago)

saw that medway one too but it's different in different areas isn't it?

Nah, the laws are the same wherever you are.

Eyeball Kicks (Eyeball Kicks), Thursday, 30 June 2005 18:57 (twenty years ago)

Fuck, I can't read. Ignore my correction, I think I was right the first time. Grammatically at any rate.

ailsa (ailsa), Thursday, 30 June 2005 19:07 (twenty years ago)


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