Wondering how I'll pay my mortgage

TOBRUK

SingleSue, I'm afraid your post of support and understanding has been wasted as the op began a new thread on here hurdling all sorts of abuse before you posted!

It has been moved to the discussion section now.

Sorry you wasted your time and effort.

Oldernotwiser

MaggieD wrote: »

Oldernotwiser wrote: »

May I ask, do you own a Tardis, as you appear to be from another time in space.

Yes, I expect you're right, I will live on the streets and my children will be taken into care - it's what I deserve after all.

Listen to yourselves, for pity's sake.

Nobody said that - stop reading things into posts! However, it is true that SMI has become time restrained and, yes, you will be in trouble if you refuse to accept this and act upon the facts!

Sam____2

Posted 2 years ago by the OP



I have been on IS for 7 years, during that time my ex has paid nothing towards our two children - I have informed the CSA several times but he has evaded them as he's self employed.
I am desperately trying to find employment, as I own my house, even after child and working tax credits I will not be able to afford the mortgage (a lone parent advisor calculated this fact).




So not so much desperately trying to find employment than eeking it out on benefits for as long as possible.
She knew back then that she wasn't going to be able to pay her mortgage and 2 years down the line still hasn't done anything about it.

She's been given advice about her situation but is refusing to take any of it on board, who gets the feeling that in 6-12 months time we will be reading a thread from her entitled

"Help my house is being repossessed, I'm unemployed and don't know what to do"

TOBRUK

Do you sometimes wonder "why do I bother!"

Back then she states she owned her house - no sign that the ex was on the mortgage. Why hasn't she sought legal advice to change the mortgage or get the ex to contribute? I find it odd that the ex has married and not sorted out the joint mortgage with his ex!

andyandflo

Sam___ wrote: »

Posted 2 years ago by the OP



I have been on IS for 7 years, during that time my ex has paid nothing towards our two children - I have informed the CSA several times but he has evaded them as he's self employed.
I am desperately trying to find employment, as I own my house, even after child and working tax credits I will not be able to afford the mortgage (a lone parent advisor calculated this fact).




So not so much desperately trying to find employment than eeking it out on benefits for as long as possible.
She knew back then that she wasn't going to be able to pay her mortgage and 2 years down the line still hasn't done anything about it.

She's been given advice about her situation but is refusing to take any of it on board, who gets the feeling that in 6-12 months time we will be reading a thread from her entitled

"Help my house is being repossessed, I'm unemployed and don't know what to do"

Maybe for the OP it would be for her to do what I did, but had a load of hastle about on this site, hand the keys in and rent!!

blue_monkey_2

andyandflo wrote: »

Maybe for the OP it would be for her to do what I did, but had a load of hastle about on this site, hand the keys in and rent!!

Because she has 3 time the equity or something I read earlier on another thread (I forget). She has been talking about going back to work for at least 2 years now. If this was you, would you not have done something to get your ex off the mortgage or make them pay 'child support' by getting their share of the house in that time.

I am surprised she gets help with her interest personally - especially when she has a house she can sell and live off the money until it runs out and especially as it has been going on for 10 years now. So the taxpayer pays for her house, she can sell it and live off the money. I am not surprised she is making no effort to get back to work myself.

I guess this is one of the people who have got that kick up the ars e coming soon. Anyone else wonder if she has a private agreement with her ex for money and f it goes to a solicitor that will also end.

Something is not right somewhere, this peron is not interested in any help or advice but only on knowing how she can maintain her benefits being paid.

Cries of 'my ex is trying to force me to sell the house' is nonsense as any solicitor would get documents drawn up in court to ensure the children are able to stay in the family home until they are at least 18 and out of full-time education. As the OP has clearly not got anything in place such as this, it makes me think that something else is going on too - otherwise, why would you not get that piece of paper (which, let's be honest is not going to cost anything per-se if you are on legal aid) to ensure that the house sale cannot be enforced while your children are still under 18.

At least this will only carry on for a few more years, the kids will be 18 and then he will turn up the pressure. He is waiting for him time, just like me dad was, only we got in there first and got his name off the deeds. He will then enforce the house sale, you'll be homeless, and he will have his equity. Clever man. What is more you'll not have the money to fight it as you'll not be entitled to legal aid by then. He knows what he is doing and you are letting him doing it.

Just how long are you going to sit and wait for this to happen when you can take him to court and get his share of the house in return for not making regular maintenance payments?

Oh, but then would this mean you would lose all your benefits if you sell the house and have money in the bank. Of course, why on earth should you pay for your own upkeep when the taxpayer can do it for you?

Hammyman

TBH, I think its time for the admin to lock the thread before I and others say something we'll regret.

AnxiousMum

Hammyman wrote: »

TBH, I think its time for the admin to lock the thread before I and others say something we'll regret.

Yep - sitting on my hands at this point! lol

alwaysonthego_2

Thread now closed!