1. smartieplum

    smartieplum Registered User

    Jul 29, 2014
    259
    Where do I begin? It's a long time since I've been on here.

    Mum went into a home last Feb/March. Dad was still at home and so house was disregarded as an asset. I've always lived with them. I cared for mum at home as long as I could. I went part time from work.

    Dad died in September 2018. House is now in mum's name. It's now regarded as an asset. It's worth about £80,000. Council now are charging fees to the house. Its comes to about £2000 a month. I'm also paying top up fees.

    I'm 51 and because I am part time, I cant get a mortgage. I have no savings left after paying top up fees. My solicitor wrote asking if house could be disregarded as it's my home and I've always lived with them and was their registered carer. Council came back with a big fat no. Once charging order is in place and when she dies, after 6 weeks a 4.5% interest will be charged on the debt. If mum reaches threshold of say £63,000, there is no way on earth I can pay it. The house will need to be sold. I'm so worried about being homeless. On top of this is the complete callousness of the situation. Waiting for mum to die!! Its so awful. Has anyone else found themselves in this situation?
     
  2. MaNaAk

    MaNaAk Registered User

    Jun 19, 2016
    1,262
    Essex
    Dear Smartie Plum,

    I was almost in your position but dad suddenly passed away on Wednesday. I was told to contact the council when dad's savings reach £30000 so that I could get an assessment before they reach £23500. I could suggest you look at my thread entitled Two Questions but hopefully the wonderful Nitram will be able to make a few suggestions.

    Good luck

    MaNaAk
     
  3. Shedrech

    Shedrech Volunteer Moderator

    Dec 15, 2012
    8,005
    Yorkshire
  4. smartieplum

    smartieplum Registered User

    Jul 29, 2014
    259
    Thanks Shedrech. Will do tomorrow
     
  5. smartieplum

    smartieplum Registered User

    Jul 29, 2014
    259
    Hi MaNaAk

    Do you have a link? I cant find it. Thanks.
     
  6. MaNaAk

    MaNaAk Registered User

    Jun 19, 2016
    1,262
    Essex
    That's okay follow Shedrech's reply but otherwise you can try typing my name and you should come up with my threads. I started this thread after Christmas in the Legal And Financial section of this chat room.

    Good luck

    MaNaAk
     

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