benifits and mortgage advise.. PLEASE !!!!!

pammie39

hi all
please help, i'm in a situation and dont know what might be the future. ok.. i'm receiving jsa (cont base), this is ending at the end of aug. my oh has a 3 month contract which ends the end of july.
we are in major arrers with our mortgage ( court next month for repo).
when my oh's contract ends, if he is out of work, he may get jsa (cont base).
can anyone tell me what, if any other benifits we may be able to get, i.e council tax, housing, mortgage. c.a.b has given up!!!!

p.s just in case anyone thinks i'm looking for an easy way out, i'm not, i am looking for work and so is my oh (now).
please help
thanx in advance

viktory

Your biggest problem is the fact that you are going to be homeless very soon. I think any mortgage relief (if applicable) is going to kick in too late to save your home. Contact Shelter asap as you are going to need some form of housing, this is likely to take the form of private renting. If both you and your OH are unemployed then you will be entitled to LHA and CTB - whether your OH will get JSA depends on his NI contributions. You may or may not both be entitled to income based JSA. Have you got any children? Obviously you don't have savings, or another property?

pammie39

hi thanx for your responce.

we have a 7 year old daughter.
as for NI we have both worked all our adult lives.
yes, NO savings, but lots of other debts, (near to BR), poss very little equity in the house.
we looked into the mortgage relife scheme, but the rent will be higher than our mortgage payments.
what would happen if we went that way and my oh's contract didn't get renewed??????
as the court date is next month, is it to late to go the relife way???

sorry for all the questions, but i cant think anymore.

karenx

You need to be on a qualifying benefit for 3 months before you get any help with the mortgage interest payments. As your partner is working you may not recieve anything.

pammie39

hi and thank you

so basicly there is no hope for us, does any one know how long it takes from the court case to moving out ??????

viktory

pammie39 wrote: »

hi and thank you

so basicly there is no hope for us, does any one know how long it takes from the court case to moving out ??????

Honestly, you really need to contact Shelter. I've had a quick look and there is loads of information on repossession.