Clive said:"Helena, I believe that transfer of assets need to have been established for 7 years, before they are disassociated from the previous owner."
This applies to Inheritance Tax. Social Services just have to prove that a house has been transfered with the intention of avoiding Home fees. No time period is set. Best to do any transfers before you become old or ill.
jenniferpa said:If one wants to take advantage of the deferred payments scheme, then one's going to have to agree to the charge. It may not be fair, it may not be right, but it is what it is.
Now I think where it gets sticky is that many LA's will try to force the sale of the property, while some seem to be happy to let the deferred payments mount up.
What I'm trying to say is: if one wants residential care one will be signing something: either a contract with the care home, or an agreement with social services, because someone, sometime will have to pay that care home bill.
jenniferpa said:Brenda, have you been to the land registry site to see whether they have placed a charge on your mother's house? I believe there are certain circumstances when a charge can be placed without the owner being notified, although having lokked through the site, I have no hesitation in saying that it is one of the most confusing, badly arranged sites I have ever come across. However I think a search costs a minimal fee, and it might be worthwhile.
PS I assume you haven't signed a contract with the nursing home either?