housing benefit and house reposession

jonnyboy82

hi there i dont know if im posting in the correct forum so apologies if not...
right i am in arrears of my mortgage and secured loan currently at about £1300 for mortgage and £1000 for secured loan,i have been paying as much as i can and it has come to the point were we physically cant afford to anymore,it starts basically as i was made disabled 2 years ago and claim low rate on both parts DLA,since then my partner has worked to support our family bless her:o,we have 3 kids and also claim tax credits at £223 per week as well as my partners wages at £800 per month,now we also have unsecured debts which i am currently on a DMP for but this is were my question begins,if my house gets repossesed how long does the process take and am i right in thinking we cannot get housing benefit on a new rented house until the house has been repossessed and i am no longer the owner on the land registry,i have rang the council and they said we will get some help towards rent at the new rented house so its just a queston of the whole housing benefit process,i would really appreciate advice thanks jonny

dmg24

The use of punctuation would make your post much easier to understand, and so encourage more answers.

jonnyboy82

oh sorry that must be my disability,thanks for your helpful input, IDIOT!!

dmg24

jonnyboy82 wrote: »

oh sorry that must be my disability,thanks for your helpful input, IDIOT!!

I would have happily helped if I was able to understand your post. Many of us here having trouble reading text too, hence my suggestion. I won't try to help now. Good luck with your eviction.

Edit: Have just had a quick browse of the OP's former posts - it appears he is incapable of posting without resorting to insults.

jonnyboy82

yeah thanks just had a quick look through your posts to and you are a JUDGE JURY AND EXECUTIONER!!,i wouldnt want your help anyway thanks for your input and your helpful comments

jonnyboy82

people feel free to read my previous comments please by all means,i dont insult people infact i try and help the vulnerable from the nastier people on this forum who seem to know it all,to me my original post was perfectly clear to read and as i said sorry if it wasnt perfect i am disabled and is hard to type correctly but all i wanted was some help,thanks DMG i will enjoy my eviction

merlin68

For starters, if your reposessed the council won't rehouse you as you, will have made yourself intentionally homeless also you will find it very hard to get private rented with a bad credit rating and most landlords won't eXcept HB.
There are various mortgage rescue schemes, which you need to find out about.

Indie_Kid

jonnyboy82 wrote: »

me my original post was perfectly clear to read

Trust me, it's not.

AnxiousMum

Have you spoken with your mortgage lender to see if you can renegotiate the terms of your mortgage, go interest only etc.?

Are you currently getting any help with your mortgage?

jonnyboy82

i didnt ask if the council will rehouse me,i asked will we get help with housing benefit but i have gone on entitledto.com and put in our details and it comes out with the answer

jonnyboy82

AnxiousMum wrote: »

Have you spoken with your mortgage lender to see if you can renegotiate the terms of your mortgage, go interest only etc.?

Are you currently getting any help with your mortgage?

hi anxiousmum, yes i have i have been put on interest only 1 year ago and im not getting any help with mortgage not entitled to any,i am sure i will find private housing if needed be and hopefully be ok for my children,i am really scared but as i worked since i was 16 to build my home up the most important thing is my family and children and my disability has made things worse but thats life thanks for your help