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Mortgage Interest Supplement question

  • 28-04-2010 8:01pm
    #1
    captainstacy
    Closed Accounts Posts: 153 ✭✭


    I am on JSA €196 a week and have a mortage of €800 a month

    If I can get my bank to agree to interest only for a period will Mortgage Interest Supplement cover all of this each month?


Comments

  • #2
    Grumpypants
    Registered Users, Registered Users 2 Posts: 8,167 ✭✭✭Grumpypants


    captainstacy wrote: »
    I am on JSA €196 a week and have a mortage of €800 a month

    If I can get my bank to agree to interest only for a period will Mortgage Interest Supplement cover all of this each month?

    I take it you have no other income so what you do is work out your weekly interest amount. Take 24 euro off it and thats what you should get.


  • #3
    captainstacy
    Closed Accounts Posts: 153 ✭✭captainstacy


    That simple?
    Thanks Grumpypants:)


  • #4
    Grumpypants
    Registered Users, Registered Users 2 Posts: 8,167 ✭✭✭Grumpypants


    captainstacy wrote: »
    That simple?
    Thanks Grumpypants:)


    Its that simple but they dont make it that simple. You have to fill out a small novel worth of forms and print out all your usualy bank statements/ savings etc. Then try to get to meet a CWO. Then they usually turn it down and grant it on appeal.

    I wasted 4 days trying to meet my CWO printed everything out and because i recieve 40 euro a week rent the 40 + 24 is more than my weekly interest so i got nothing. If it was explained the way i explained it i wouldnt have bothered even filling the forms.


  • #5
    bmarley
    Registered Users, Registered Users 2 Posts: 356 ✭✭bmarley


    I applied for this a couple of months ago as really, really struggling to make ends meet after partner lost job. They make it so difficult, could not believe the amount of paperwork they need. They asked us to try to make alternations with mortgage company to pay less and spread it out over longer term. I do not want to do this as we are not a younger couple. Upon appeal, they asked for all new sets of forms, payslips etc some of which I had already given a few weeks ago. When I called and stated this, she was rude and said that it had been refused and now that I had appealed all evidence needed to be resubmitted ... all within 2 weeks or claimed will be closed. If I did get this..roughly how much would it be off a 600 euro month mortgage payment...also could I pay some money towards rest of mortgage so that I wouldn't keep falling behind?


  • #6
    babsybaby01
    Registered Users, Registered Users 2 Posts: 153 ✭✭babsybaby01


    Just to give you my experience...I'm unemployed getting 188 my wife is on maternity getting 210 euro...we applied for m I s and we were told we had 120 a month to much coming in to get it...bare in mind we have 3 kids and 280k mortgage..the problem seems to be that hse don't do the mis anymore it's the social so they are been more strict with the money they give out...They should give out money for malingering you q outside the place in view of everyone....good luck lad


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  • #7
    snubbleste
    Banned (with Prison Access) Posts: 31,117 ✭✭✭✭snubbleste


    People should read the operational guidelines of any payment on www.welfare.ie before applying for something.


  • #8
    paddy147
    Banned (with Prison Access) Posts: 15,857 ✭✭✭✭paddy147


    snubbleste wrote: »
    People should read the operational guidelines of any payment on www.welfare.ie before applying for something.


    Did you ever stop and think that sometimes the way things are worded on that website,it actually causes more confusion and raises more questions than it gives answers.

    So thats why people tend to use this forum and ask questions here.



    If you dont want to help,then dont post.Simple as that.


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