Handing keys back to lender

Queen

Hi Don't know where to turn to next CCCS have advised us that due to my OH off long term sick we should think about handing keys back and BR would not be an optionuntil he is back at work and we cann afford day to day living
what do we do

peachyprice

Queen,

I'm a bit confused, in your other post you say they advise NOT handing the keys back?

Are you entitled to any help with mortgage interest payments or other benefits?

Queen

I have spoke with a debt advisor this morning who said becauase we do not have enough income for day to day living the court would refuse BR the only option she could advise was to hand keys back, go into rented to reduce living costs and then go BR I am so confused

tigerfeet2006

Queen why don't you pop your SOA up for us to have a look.

Do you really want to stay in the house or would it be a relief to be in rented? Do you know what the local rentals are?

Queen

Hi will pop a up todate soa on when I get home later but posted one on a previous message sometime back, yes we do want to stay in our own home, but I do wonder if going into rented would relieve the pressure I cann't cope any longer going on like this

Queen

Thanks for all your comments just going calculating a soa so will post this tonight but after all essentials are paid we only have £140 left for food and petrol for a family of 4, cut back to minimum on bills

Queen

any advice on what I should do

Queen

could somebody pls do me a shortcut for soa

MollyBear

You mean to the one you already posted?

http://forums.moneysavingexpert.com/showthread.html?p=13695339#post13695339

Molly
x

Queen

Thanks, yes but I need to do a new one some of the payments have changed not sure how to get a clear one up to re-post

thanks againxx

MollyBear

Oh right, sorry I see what you mean.

Here's a link to the SOA calculator you used before.

http://www.makesenseofcards.com/soacalc.html