Wonder if anyone could help here? I was made redundant and had taken out an Mortgage Payment Protection Policy which will pay out for 12 months - directly into my bank account ( the insurers' policy to do this. ) I have been claiming Contribution Based JSA and this will be finishing in about 4 weeks' time. After that point, am I eligible to claim Income based JSA or will my MPPI payment be classed as income? It is to cover mortgage payments and other debts - credit cards etc , so I receive £700 per month. approx £550 of this is mortgage payment. Can anyone advise me if this is classed as part of my means tested income or not? I have no other income - no dependents etc.

Hi all, I currently have an arrangement with my mortgage provider for arrears - equivalent to about 5 months payments - long story - partner left, left me with lot of debts etc. l am under consultation for redundancy - will know in fortnight. Have been with my employer for 2 and a half years - so will just receive 2 week's salary plus notice as they offer only statutory redundancy pay. I do have Mortgage Payment Protection and have had it since I started my current job - am hoping that this will therefore cover me for payments after the 30 day period lapses. My query though is about the existing arrangement and arrears - are they added on to the life of the mortgage or could the property be repossessed? I think that the small print on my MPPI policy says it covers standard mortgage only - not arrears. If any of you have been there or have any advice, I would be really grateful.