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When everyone has a home

028 9024 5640: Housing & Debt Helpline for Northern Ireland

Affordability

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In a recently published report, CIH suggests that housing allocation policies in England need to be revisited to ensure that those most in need of housing are not excluded by process driven allocations policies. In certain cases, activity undertaken by housing providers to ensure that teanncies are sustainable actually undermines efforts to house those who need homes the most.

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Social Tenancies, Affordability

A study commissioned by Crisis has found that realigning Local Housing Allowance rates with market rents would generate significant benefits to the economy through reduced spend on homelessness services and social gains as a result of more positive health and well-being outcomes amongst claimants.

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Research, Affordability

The FCA has announced a consultation on guidance for firms on the fair treatment of vulnerable consumers. This draft guidance sets out the FCA's view of what the FCA Principles require of firms to ensure that vulnerable consumers are consistently treated fairly by financial services providers. The FCA is seeking comments on the first stage of the consultation by 4 October 2019.

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Repossession, Affordability

The Last Time Buyer: housing and finance for an aging society, a new report by Prof. Les Mayhew (Cass Business School) for the Centre for the Study of Financial Innovation focuses on enabling older people to monetise the very substantial wealth that is trapped in the UK’s housing stock.

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Research, Affordability

Housing Rights has responded to the Treasury’s Breathing Space Scheme policy proposals.

Housing Rights previously responded to a call for evidence in 2017. In October 2018, the Treasury published detailed policy proposals regarding the operation of a Breathing Space Scheme and associated Statutory Debt Repayment Plan (SDRP).

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Policy, Affordability

Housing Rights responds to Breathing Space consultation

In October 2018, the Treasury published detailed policy proposals regarding the operation of a Breathing Space Scheme and associated Statutory Debt Repayment Plan (SDRP). The Breathing Space Scheme is intended to give people in problem debt the right to legal protections from creditor action while they receive debt advice and enter into an appropriate debt solution. With regard to the housing-specific aspects of this consultation, the following measures are proposed:

  • Housing debts could be excludable under the SDRP, thereby enabling clients to repay these debts more quickly to avoid eviction; and
  • Where housing debts are included in any SDRP, these debts would be prioritised.

Housing Rights’ views on these proposals are outlined in this response. 

 

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Policy, Affordability

Housing Rights responds to Breathing Space consultation

In October 2018, the Treasury published detailed policy proposals regarding the operation of a Breathing Space Scheme and associated Statutory Debt Repayment Plan (SDRP). The Breathing Space Scheme is intended to give people in problem debt the right to legal protections from creditor action while they receive debt advice and enter into an appropriate debt solution. With regard to the housing-specific aspects of this consultation, the following measures are proposed:

  • Housing debts could be excludable under the SDRP, thereby enabling clients to repay these debts more quickly to avoid eviction; and
  • Where housing debts are included in any SDRP, these debts would be prioritised.

Housing Rights’ views on these proposals are outlined in this response. 

 

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Policy, Affordability

The government has launched a consultation on a breathing space scheme for people in problem debt. The proposed scheme is accompanied by an additional proposal to introduce an associated statutory debt repayment plan (SDRP). Both the breathing space scheme and SDRP are intended to supplement existing debt management solutions.

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Policy, Affordability

A new report by the Smith Institute ‘Safe as Houses 2: a follow-up report into the impact of Universal Credit on Southwark Council’s housing tenants rent payment behaviour’ show that what could have been argued to be ‘teething problems’ with the new benefit system, appear to have more systemic routes, with rent arrears appearing to be a longer-term consequence of Universal Credit for many social housi

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Benefits, Social Tenancies, Welfare Reform, Affordability
Image of housing benefit application form and electricity meter cards

The UK Upper Tribunal has found that a First Tier Tribunal erred in law by deciding that a person who sold his former home and rented it back could not receive Housing Benefit. In an important decision, the court ruled that the test of whether someone could continue to occupy their home without relinquishing ownership is one of practical compulsion, rather than legal compulsion and does not necessitate that the lender has started legal action to recover possession of the property.

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Benefits, Practical tips, Case law, Affordability, Legal

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