Interest paid on mortgage but want new partner to move in

DX2

TimmyH wrote: »

I contacted the JCP and as there is no specific criteria, you have to wait until you are investigated to see if you are in the wrong. This system is ridiculous!

I find this very hard to believe! I doubt for one minute that someone at the JCP gave you this advice.

Sam____2

TimmyH wrote: »

Hi All,

I am looking for a bit of advice. My ex partner left me 8 months ago with a £900 mortgage and a 6 months year old child to bring up. I am having most of the interest paid on my mortgage, £750 of a £900 monthly payment. I also receive all the other benefits someone in my position would. Anyway, I have met a new partner and would like him to move in with me. He cant afford to take on a £900 p/m mortgage. He would be able to pay £500ish pounds a month towards the mortage but no where near the full amount.

What will happen to my benefits? Will any of my mortgage still be paid, considering its not his child (although he is going to contribute where he can). I am a little confused by the whole benefits thing. My new partner earns £1400 p/m if that helps with any advice!

Your help is very much appreciated!! :-)

Cheers

A worried single mother!

Why isn't your ex contributing towards the mortgage, I'm assuming you bought the house together and it's in joint names?

TimmyH_3

Thanks Anxious Mum, i am planning to go back to work in january, cant wait infact. I was made redundant 2 years ago next month, then fell pregnant, then my ex partner left me after my child was 5 months old, leaving me with a £900 p/m mortgage and a house to run let alone a child to entertain. i dont have any unnesecery outgoings, everything that I have incoming goes towards my child. Its been a tough 2 years, but I can finally see an end in sight. Once the mortgage is following the SVR, my current partner will be able to move in and I can go back to work and live comfortably. As you are propbaby aware, selling a house in the current market is close to impossible, so that is not an option. I have made some tough decisions over the past 2 years, my life has pretty much been on hold, I can finally see the light, just a few more months!!

TimmyH_3

And yes the JCP didnt have anymore than that, as there are no guidelines in place, the chap on the phone could not give me anything else :-( The benefits system really does need an upgrade.

My ex is not on the mortgage, it is soley owned by me. He gives me £125 p/m for Oliver in maintenance. I think you all know its costs more to feed and entertain a growing baby than that. The system is a joke really.

Roll on January, so my nightmare can end and I can start my life all over again....

DX2

TimmyH wrote: »

My ex is not on the mortgage, it is soley owned by me. He gives me £125 p/m for Oliver in maintenance. I think you all know its costs more to feed and entertain a growing baby than that. The system is a joke really.

Roll on January, so my nightmare can end and I can start my life all over again....

£125pm + your child benefit + your child tax credits + your IS.

TimmyH_3

+energy bills+life insurance+buildings and contents insurance+Water bills+food+clothing for a child that wont stop growing+toys and entertainment for child+car to get about due to poor transport routes= breadline.......

Not having a go at the money i get, infact, i think I have been provided great support. Its just the system, its so complicated and does not have much flexibility. Remember, i didnt choose to be in this situation....

I phoned, DWP. They said that the SMI would not come into place for a few months yet.....so why advertise that it wil be October 1st?? To scarer people? I guess they have to send me a letter stating the change anyway?

corbyboy

TimmyH wrote: »

My ex is not on the mortgage, it is soley owned by me. He gives me £125 p/m for Oliver in maintenance. I think you all know its costs more to feed and entertain a growing baby than that. The system is a joke really.

Is the baby's father working? If so he should be paying more than this.

AnxiousMum

corbyboy wrote: »

Is the baby's father working? If so he should be paying more than this.

Of course it costs more - which is why it is the responsibility of both parents. The maintenance you get from the baby's father is a portion of what is needed for the baby - the rest is supposed to come from the other parent - ie, you. I don't see it is my ex's sole responsibility to provide financially for my children, it's a joint responsibility based on what each of us earn.

Loanranger

"Remember, i didnt choose to be in this situation...."
Getting pregnant happened when you were absent, I presume?

Well, neither did the taxpayer, who funds your family while you have a partner who works, choose for you to be in your position.
It's crystal clear that you could work now, sell the property that you can't afford and live within your means.