desperate cirumstances no boiler!

milo11 · 19 November 2009 at 11:00PM

hello, we have a bad situation and cant seem to make it better. we have an old water tank that has gone beyond repair seriously damaging our back bedroom. the household insurance would not cover it as I had an ebay shop selling books and it was classed as buisness premises. we had a temp repair on but it has now gone again and is beyond any repair. we have only £100 spare cash and a credit rating of poor so are unable to get finance. our mortgage is norther rock, and they are not taking remortgages for repairs at present. none of our families and friends can help, we are not able to get anything from warmfront, orbitcare and repair or anywhere like that. in addition we only have one fire to heat the whole house and we have mold on the inside as well as bad electrics and a three year old toddler. we cannot out heaters on as fire has come out of the plugs in nearly all rooms. a local handyman has offered to repair everything for 1800 however we have no spare money so we applied for a crisis loan and have today been rejected as they dont fund that sort of thing. we are currently using an old tea urn to have baths (we dont have a shower) and this takes under 3 hours to get about 3 quarters of a bath. everywhere i turn we cant get help because we either work,in debt, or earn over 20,000. we cant turn the clock back to stop the debts although we are managing them ok but where do we go from here?

Mankysteve · 19 November 2009 at 11:24PM

Have you done an SOA in the debt section see if we can help you out any more there.

timmmers · 19 November 2009 at 11:36PM

You won't get a crisis loan but you may get a budgeting loan ?

t

Bill_Shidding · 20 November 2009 at 12:02AM

Hi,

we have an old water tank that has gone beyond repair

Do you mean a gas combi boiler / immersion hot water tank / or the plastic cold water tank?

the household insurance would not cover it as I had an ebay shop selling books and it was classed as buisness premises

Arguable!

bad electrics and a three year old toddler

fire has come out of the plugs in nearly all rooms

Remove wall socket fuses from the consumer unit/fuse box immediately.

we cant turn the clock back to stop the debts

I would inform the unsecured creditors of the situation, and negotiate a lower repayment plan for a minimum of six months. This period will enable you to pay for essential maintenance.
If they don't agree, do it anyway.
If you have a repayment mortgage, pop onto an interest-only for 6 months. That should give you some money to do the work with.
Or, sell the house while its still standing!!

Bill

thechippy · 20 November 2009 at 12:15AM

Good advice from Bill.

I'd have a look foc, but don't know where you are?

I really wish members would fill that bit in. Would save so much hassle and questions sometimes.......;):p

milo11 · 20 November 2009 at 12:18AM

thanks for the posts we have moved onto an intrest only loan and we are paying the debts we owe, i tried not to negoitate further down as my mortgage term is up in 10 months and i have heard that it can effect your chances of a remortgage if you have debt management. the boiler is a really old make apparently one of the originals and we only found out that our incredibly large elec bills were due to it heating up constanlty. npower have finally reduced our bills from 163 a month to 70 so that gives a bit more to play with

Bill_Shidding · 20 November 2009 at 11:50AM

Hi Milo,

the boiler is a really old make apparently one of the originals and we only found out that our incredibly large elec bills were due to it heating up constanlty

From your quote, I think you may have an old fortic type combi tank (with 1 immersion heater at the bottom called a "direct combi boiler").
You can get these on ebay from around £200 depending on the dimensions of the cylinder. These are a doddle to fit, if your partner is good at d.i.y.

Your electrics need to be seen by an electrician ASAP. Though it does sound like you will need a rewire (as "fire" comes out of them!).

incredibly large elec bills were due to it heating up constanlty

Get a "heavy duty" timer from wickes for £12.

i tried not to negoitate further down as my mortgage term is up in 10 months and i have heard that it can effect your chances of a remortgage if you have debt management.

You seem like you are struggling anyway, if interest rates go up can you be sure you won't end up in a DMP in any case?

Did you inform your insurance co' that you kept "stock" at home?
Did you then try to claim on the insurance for "stock"?
I kept "stock" at my house for my business, however it was clear that these items would not be covered on my policy.

Bill

milo11 · 21 November 2009 at 10:56AM

thank you for your advice, I have had some good news, someone has offered to come round and carry out electrical and boiler repairs for us, I have had a lot of support from this site and i want to thank everyone.
thhank you as well to bill for all your advice, sorry i havent answered back much I have been at work on very late shifts this week, i had told the insurance all about my stock and that part was covered but my business insurance refused to pay out on the boiler as they said it was domestic and the house insurance woudltn paybecause it was so old and was in a room classed fior businesses uses.we are also going to see citizens advice regarding the bills situation, but we are felling more postive now that i did 10 days ago thanks to all and I hope everyones christmas is a good one!

desperate cirumstances no boiler!

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