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Forum Home  →  Discussion  →  Income support, JSA and tax credits  →  Thread

Mortgage interest backdate?

Nan
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Generalist team - Hammersmith & Fulham CAB

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Total Posts: 155

Joined: 8 July 2010

Hi,

Does anyone know what happens under mortgage interest when the lender takes a very long time (I.E A YEAR) to send the mortgage paperwork to the DWP.

Should the client get backdated mortgae interest arrears from the DWP or is it paid just from when the paperwork is received?

If this decsion was a very long time ago would it be a case for an any time revision?

Any help would be appreciated.

[ Edited: 26 Aug 2010 at 12:37 pm by Nan ]
christi
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Advice Services Manager, Thame and District CAB, Oxfordshire

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Total Posts: 24

Joined: 17 June 2010

My feeling is that if the DWP refused to backdate until the 13 weeks after claim (assuming the claim is under the new mortgage interest relief rules) then you would have to appeal the decision within one month of receiving the notification that mortgage interest is to be paid.  No decision is appealable until it has been decided, and I can’t think of a way in which the client could not be said to have been properly notified once they have received a letter saying when their relief is dated from.  Obviously if they do not receive notification at all, an any time appeal ought to be possible.