question

[iworkwhippets 13,230]

Ok lads listen up, theres this single mum I know, shes a self employed carer goes out into the community helping folks, cos of this virus filth and lockdown shes lost some custom, and shes struggling, shes just been over mine with a bag of goodies, and some nights believe it or not, id have gone to bed hungry if it wasn't for her, what help is she entitled to financially ive told her go to the council, and to approach her mp, but everybody is doin stuff on line now and shes giving up, having trouble getting through, pays full rent, shes a good lass, id like to do her a good turn     thank you

[iworkwhippets 13,230]

8 minutes ago, iworkwhippets said:

Ok lads listen up, theres this single mum I know, shes a self employed carer goes out into the community helping folks, cos of this virus filth and lockdown shes lost some custom, and shes struggling, shes just been over mine with a bag of goodies, and some nights believe it or not, id have gone to bed hungry if it wasn't for her, what help is she entitled to financially ive told her go to the council, and to approach her mp, but everybody is doin stuff on line now and shes giving up, having trouble getting through, pays full rent, shes a good lass, id like to do her a good turn     thank you

shes not registered by the way

[Jonjon79 13,358]

Being a single parent on low income, she'll be entitled to a reduction in council tax and universal credit - she needs to speak to a benefits advisor or the citizens advice bureau to see what she can apply for.

 

Depending on her work circumstances, I believe even self employed can now get government help because of  Covid 19.

 

Get her to read through this:

https://www.gov.uk/universal-credit

........ She can apply online. 

[neil b 2,493]

Speak to her landlord regarding her rent, most mortgage lenders are giving 3 months break, doesn’t affect your credit rate ing, also council tax can be on hold for two months, if she has done a tax return for the last 3 years she will be able to claim money back in June, hope this helps 

[neil b 2,493]

[iworkwhippets 13,230]

thanks lads, I have passed this on

[keepdiggin 9,565]

1 hour ago, neil b said:

Speak to her landlord regarding her rent, most mortgage lenders are giving 3 months break, doesn’t affect your credit rate ing, also council tax can be on hold for two months, if she has done a tax return for the last 3 years she will be able to claim money back in June, hope this helps 

Shouldn't be her landlords problem imo

[neil b 2,493]

42 minutes ago, keepdiggin said:

Shouldn't be her landlords problem imo

If he’s got a morgage on the property he could have a 3 month break therefore suspending the lady’s rent, 

[Jonjon79 13,358]

2 minutes ago, neil b said:

If he’s got a morgage on the property he could have a 3 month break therefore suspending the lady’s rent, 

The problem with that is, it has to be caught up again later.

 ............ the government made a 3 month break sound like they're doing everyone a favour but, in reality it'll push renters into debt and saddle the landlord with extra interest if he can't make it up before his mortgage ends.

[neil b 2,493]

7 minutes ago, Jonjon79 said:

10 minutes ago, Jonjon79 said:

The problem with that is, it has to be caught up again later.

 ............ the government made a 3 month break sound like they're doing everyone a favour but, in reality it'll push renters into debt and saddle the landlord with extra interest if he can't make it up before his mortgage ends.

Can’t see interest being a fortune over 3 months if he’s that bothered he can always put the rent up to cover his costs 

[iworkwhippets 13,230]

33 minutes ago, Balaur said:

I've stopped paying rent , why not landlord was fine he'd have gotten a mortgage break if he'd have had one. 

shes in a council house mate surely she cant stop paying rent,

[iworkwhippets 13,230]

2 minutes ago, iworkwhippets said:

shes in a council house mate surely she cant stop paying rent,

shes of the old fashioned type lads,  her rent comes before anything, gotta admire her for that, well I do

[Jonjon79 13,358]

40 minutes ago, neil b said:

 

That's all good and well but, it'll add more cost to a tenant that was already struggling enough to ask for the break, as well the debt of 3 months rent.

 

As for the extra 3 months on a mortgage  - banks are proper little shysters when it comes to mortgages. Some will really hike up the charges if you go over the term.

[Jonjon79 13,358]

7 minutes ago, iworkwhippets said:

shes in a council house mate surely she cant stop paying rent,

There's probably a system in place for her to request the 3 month break with her council - they may want to means test her first and, they'll definitely want a repayment plan for after the 3 months.

[eggy74 31]

being self employed does not mean she cannot apply for universal credit, can be done over the phone now, and hopefully the big rush has passed and she can get through without waiting on hold for 6 hours!