help me please

riranium_man

hi there

here is my problem i am on income support as i have arthritis in my knees and back and cannot work.

i get £160 a fortnight =£320 a month i live with my partner and have a 50% share in the houses but i do not contribute to the mortgage we have £112,500 mortgage house is worth £125,000.

i owe £16000 in credit card,s we had twin boy,s in november 2005 so we had to buy double everything that is when i got into problems. and we also have 2 other children one child is a neice who was placed with us from the courts as the social workers took her away from her mum( long story we have had her for 11 years with no financial help ) my partner cannot help she is on £900 a month and she pay,s mortgage, gas, elec,water, council tax ect ect we was also living day to day on these card,s.


Company name: BARCLAYCARD
Account type: Credit Card / Store Card
Started: 08/04/2005
Current Balance: £3,436

Company name: EGG BANKING PLC
Account type: Loan
Started: 26/05/2005
Current Balance: £2,731
Repayment Period: Monthly Payment £79 over 48months


Company name: EGG BANKING PLC
Account type: Credit Card / Store Card
Started: 31/08/2004
Current Balance: £3,075
Credit Limit: £3,000

Company name: SAINSBURY'S BANK LIMITED
Account type: Credit Card / Store Card
Started: 31/01/2005
Current Balance: £413
Credit Limit: £2,350

Company name: MBNA EUROPE BANK LIMITED
Account type: Credit Card / Store Card
Started: 30/06/2005
Current Balance: £4,454
Credit Limit: £5,000

i am behind on all of these

we dont want to lose the house we have 4 children is there anything i can do ?

regards
jason

Fran

Hi Jason,

It sounds like a complicated situation and so I would suggest an urgent visit to Citizens Advice with all your paperwork for suggestions and advice. They can help with your debts as well as check that you are getting all the benefits you could receive for your family. How bad is your arthritis? Perhaps you could be entitled to Disability Living Allowance if it affects your everyday life, again CAB will be able to advise whether or not they think it is worth you putting in a claim and will be able to help you fill in the form. DLA is not income based so won't be affected by any other income you have, it's paid for the extra costs of having a disability.

Tabbykatt

It seems that you should certainly be getting more help financially than you are at present. I dont know the rules and regulations but I do know that if you are in receipt of Income Support you should not have to pay Council tax at the very least!
It seems that a visit to Citizens Advice would certainly be benificial to you esp with four children and two of those under 1! Dont forget to take ALL your paperwork with you...
Good luck and you are doing the best thing... not sticking your head in the sand and ignoring it!