I don't know where to turn next- I think I'm going to lose my home.

suelees1

Lost.Angry.Confused wrote: »

When my husband re mortgaged he put the house into both of our names, so we both sold it. The resulting money was put into my account (we don't have a joint account) because he was notoriously bad with money. All bills, food and rent went out of my account.

Even so you need to appeal this. IMO you have good grounds and a specialist advisor can go through it all with you and prepare a submission for the LA

suelees1

Lost.Angry.Confused wrote: »

Does life ever get easier?

Yeah I promise !!

Lost.Angry.Confused

suelees1 wrote: »

Yeah I promise !!

Liar ..........

suelees1

LOL - no I'm not !! And anyway go and watch Corrie and take your mind off things for a bit .

Lost.Angry.Confused

suelees1 wrote: »

LOL - no I'm not !! And anyway go and watch Corrie and take your mind off things for a bit .

Lol, Nah I've got me a glass of red and I'm looking up divorces

briona

Hi LAC

Your story sounds awful! (((Hugs))).

I'll have to leave the housing issues to someone more knowledgeable but I can give you some idea of some of the child-related benefits/grants you can get.

Obviously you will get Child Benefit – current rates being £20pw for your first child and £13.20pw for the second and subsequent ones. I believe if you are on Income Support these can be paid weekly instead of 4 weekly to enable you to budget.

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/TaxCreditsandChildBenefit/Childbenefits/DG_073828

As your baby is due in May you will be entitled to the new Health in Pregnancy grant – a one-off non-means tested payment of £190, which you can claim from the 25th week of pregnancy.

http://campaigns.direct.gov.uk/money4mum2be/

As you are on Income Support, you will also be able to claim the Sure Start Maternity Grant – a one-off payment of £500 which ONLY be claimed in the following period: from 11 weeks BEFORE the baby is due to the time the baby is 3 months old.

http://www.jobcentreplus.gov.uk/JCP/Customers/WorkingAgeBenefits/Dev_013950.xml.html

I'll have a look around and see if there is anything I may have missed.

Stay strong! You've got this far – things will get easier!

Briona

seven-day-weekend

I think there is a ruling that you can't claim Housing Benefit on a house you once owned unless you have rented it for several years.

However, there is a chance you could still get it according to this article, especially Sections E14, E15, E16.
http://209.85.229.132/custom?q=cache:3Al0qhL_GCgJ:www.oft.gov.uk/shared_oft/reports/consumer_protection/oft1018e.pdf+sell+rent+back+housing+benefit&hl=en&ct=clnk&cd=5&client=pub-8392726761634214


I'd try the CAB for advice and assistance.

Lost.Angry.Confused

briona- Thank you I hadn't heard of the Health in Pregnancy grant. I'll be applying for that. I think I've got the other forms sorted- even my milk tokens lol.

seven-day-weekend- Thank you. I think that's what the bloke on the phone was talking about.

I'm making an emergency meeting with the housing on Monday, but everyones help on here has been amazing. I've put off posting on here when my hubby first got put in because I didn't know what people would think of me sticking by him until the end of the case until conviction, but you lot really are fab. Thank you.

okra

The five year rule is because you have previously owned the house. You cannot have benefit paid on a house you have owned within the last five years, unless you can show that selling the house and renting it back was the only way you could keep living in it. Could you show you were in mortgage arrears or were in danger of being reposessed due to unpaid secured loans?

The alternative would be renting elsewhere, and although it would be an absolute nightmare for you to have to move, it might be a fresh start for you. If the current house is in disrepair, it may even work out better for you to move in the long run?

Penny-Pincher!!

Just wanted to send you a hug.

Social Services DO have a duty to help you or at least advise you. With 2 children and 1 on the way and your husband(ex + given the charges)in prison, I would assume you would be counted as vulnerable.

I have never heard of the HB 5 year rule either

CAB would be a good place to start.

Coucil may offer to house you if SS would get involved.

Take care.

PP
xx