Help with mortgage payments.

Dear B&W,
Last December I made a claim for ESA. I had a medical in February and subsequently appealed against the decision not to allow my claim.
I have pruned my spending to the minimum and I have recently been looking at re-mortgaging so that I will have a lower monthly payment and also so that I can fix my rate for 5 years.
If I am successful with my appeal I will make ask for help with mortgage interest.
Can you tell me if you know of a reason why I should not in effect take out a new mortgage at this time. It looks like I should be ok, but the DWP are tricky dickies.
Many thanks in anticipation.
Regards,
Volvomanx

Volvomanx wrote:

Dear B&W,
Last December I made a claim for ESA. I had a medical in February and subsequently appealed against the decision not to allow my claim.
I have pruned my spending to the minimum and I have recently been looking at re-mortgaging so that I will have a lower monthly payment and also so that I can fix my rate for 5 years.
If I am successful with my appeal I will make ask for help with mortgage interest.
Can you tell me if you know of a reason why I should not in effect take out a new mortgage at this time. It looks like I should be ok, but the DWP are tricky dickies.
Many thanks in anticipation.
Regards,
Volvomanx

Hi,

As Moderators our area of expertise is in relation to disability living allowance, attendance allowance, the personal capability assessment used in connection with incapacity benefits and the work capability assessment used in connection with employment and support allowance. So those are the only subjects on which we can provide reliable information.

Unfortunately, you also need to bear in mind that boards like this can never provide advice to individual claimants about their specific circumstances, all we can offer is general information about how the system works.

This is because there are huge range of factors which could affect your eligibility and it’s not possible or advisable for you to disclose that information on a public forum or for us to ask you the kind of questions that would be required.

We understand that this can be frustrating and that it’s sometimes a question of judgement about the degree to which a question is specific to your claim or more general in nature. But, for our sake and your own it is important that we do our best to stick to giving information rather than advice.

You should ideally obtain some face to face advice from a Welfare Rights Adviser or from such as CAB or Community Legal Services.

Pete

Thanks Pete for your reply.
I will see if the CAB can help me.
Regards,
volvomanx