Mortgage and council tax help?

manhattan

Income approx £1300 total.

Outgoings:
C Tax £120
Mortgage £850
Insurances etc £100
Car costs (old banger) needed as school and wifes work £100
Gas elec water £120

that leaves around £10 and food costs not included in above.

All approx figures.

So options are sell house for a loss or see if help is avaiable.

[Deleted User]

manhattan wrote: »

Err i am asking because money is tight and if there is any extra help available, 'that we are entitled to'

Why do you think we have too much income? You dont know what little income we recieve along with my wifes job.

Whats with the attitude? Do you detest people who need financial help supporting their family?

your wife earns at least £175 per week you get around £90 week i/b,plus you get wtc,that equates to far more than the state says you need to live on,hence you wont get means tested benefits.
If you are struggling to pay your mortgage why not seek help from your lender instead of the state?they maybe able to let you convert the mortgage to interest only for a period

slates

manhattan wrote: »

Income approx £1300 total.

Outgoings:
C Tax £120
Mortgage £850
Insurances etc £100
Car costs (old banger) needed as school and wifes work £100
Gas elec water £120

that leaves around £10 and food costs not included in above.

All approx figures.

So options are sell house for a loss or see if help is avaiable.

If what another poster quoted was that you took the mortgage after you were on benefits. Then this is a prime example of living beyond your means and expecting anyone but yourselves to cover the shortfall.

dmg24

I am struggling to understand why you took out this mortgage two months ago?

Something does not add up here ...

manhattan

Was on incapacity before buying house then went back into a full time job, bought a house then became ill again so back to Incapacity.

dmg24

Did you not take out mortgage payment protection?

I would ask your lender about going interest only for a while.