Is there a way around my problem?

Motherof1

Hi everyong, I would really aprpeciate your advice.

At the moment I am £1000.00 in my overdraft! Today I bought some shopping at Tesco which went through fine. Straight after that I tried to buy my daughter some boots at a shoe shop and my card was declined.

I don't get paid from work until Thursday/Friday. This will cause problems for me to get to and from work. Secondly, I will be moving out with my 3 year old in the second week of November into rented accommmodation. I am living in the home I own with my husband but sadly it hasn't worked out. I have to pay £750.00 to the agency in two weeks. I don't have much savings and even if I put the savings into my current account it won't even cover half of it!

I also have an M&S credit card which has £1,300.00 owing....(interest free for 6 months) and £250.00 on my barclay card.

I'm sorry if this confusing. My head is so messed up with all that's happended (re: marraige) and what's to come in the next few weeks. What's the best way to sort this out? I tried to transfer my £1000.00 overdraft to my M&S card but they can't do it because it's not a store card or balance transfer from another card....I have never had a loan but I was wondering if this may be an option? I also don't know my pin numbers for my credit cards (I destroyed them so I wouldn't spend on them. Please advise I'm at my wits end. Thanks.

Annie_Fanny

Hey there Motherof1

Sorry to hear of your plight.

Can I just ask straight away why you are moving out with your child? What is happening to the marital home? Do you have any friends or family you could stay with?

Hugs

Annie
Xx

Mrs_Sparkle

No advice but just wanted to send you a big ((hug)). Hopefully other people more knowledgable than me will be along soon to help you.

Motherof1

Annie Fanny, I have a few friends but none that we could stay with : (. My mother lives in Wales and has her hands tied with my out of control teenage brother....he rules as some might say! My husband will continue to stay in the property as he can manage the mortgage. On my part time salary I can no way meet the payments. So, to cut a long story short he will be staying here and will probably get a lodger.

We can't sell it as we have only been living in it for 8 months and would loose a lot of money. Hope this answers your question.

Thanks for caring : ).

jessicamb

I'm not sure of this but doesnt your husband have to support you and your child legally - including support with housing?

Have you spoken to a solicitor?

vics_1982

jessicamb wrote:

I'm not sure of this but doesnt your husband have to support you and your child legally - including support with housing?

Have you spoken to a solicitor?

He will definetly have to support the child but not the mother i dont think,
He should be paying you child support etc, contact the csa, what happens when he comes to sell the house, will you get a share as its both of yours house?

Vics
x

yung

Motherof1 wrote:

Hi everyong, I would really aprpeciate your advice.

At the moment I am £1000.00 in my overdraft! Today I bought some shopping at Tesco which went through fine. Straight after that I tried to buy my daughter some boots at a shoe shop and my card was declined.
I don't get paid from work until Thursday/Friday. This will cause problems for me to get to and from work. Secondly, I will be moving out with my 3 year old in the second week of November into rented accommmodation. I am living in the home I own with my husband but sadly it hasn't worked out. I have to pay £750.00 to the agency in two weeks. I don't have much savings and even if I put the savings into my current account it won't even cover half of it!

you said you have got some saving can you used some of them to get you to and from work, if you can that is one problem out of the way. at least until you get paid, then we can work out your financial problem



I also have an M&S credit card which has £1,300.00 owing....(interest free for 6 months) and £250.00 on my barclay card.

I'm sorry if this confusing. My head is so messed up with all that's happended (re: marraige) and what's to come in the next few weeks. What's the best way to sort this out? I tried to transfer my £1000.00 overdraft to my M&S card but they can't do it because it's not a store card or balance transfer from another card....I have never had a loan but I was wondering if this may be an option? I also don't know my pin numbers for my credit cards (I destroyed them so I wouldn't spend on them. Please advise I'm at my wits end. Thanks.

Can you rearrange you debt and post an S.O.A so that we can have a look at it.

Addicted_to_Saving_Money

You don't say how many hours you work but if you work a minimum of 16 hours per week then you would be entitled to Working Tax Credits/Family Tax Credits. Whatever you do, unless you really have to, DO NOT LEAVE THE FAMILY HOME. Please seek legal advice from a solicitor. If you are entitled to WTC then you may be able to afford to pay the mortgage. I was a single parent for a few years until my partner moved in with me recently. I was financially better off as a single parent than I am now as a co-habitee!

Working tax credits do not take into account any maintenance that you receive from your husband and also entitles you to 70-80% of childcare costs, if appropriate.

When I was claiming WTC I was earning £7000 per year as a part time administrator, I received £45 per week maintenance, £27 per week child benefit and was still entitled to £120 per week tax credits. I was also able to claim back 70% of my childcare costs.

When my marriage first broke down I also believed I couldn't afford to pay the mortgage so I bought a smaller house with a smaller mortgage and my ex-husband kept the family home. Had I known then what I know now I would have stayed put and got legal advice from a family solicitor.

You and your daughter are the most important people in this situation and you need to make important decisions NOW that will affect the rest of your lives. Do not rush into any decisions, and do not be railroaded into anything by your husband.

I really hope things work out for you.

:grouphug:

Rgc_3

Addicted_to_Saving_Money wrote:

You don't say how many hours you work but if you work a minimum of 16 hours per week then you would be entitled to Working Tax Credits/Family Tax Credits. Whatever you do, unless you really have to, DO NOT LEAVE THE FAMILY HOME. Please seek legal advice from a solicitor. If you are entitled to WTC then you may be able to afford to pay the mortgage. I was a single parent for a few years until my partner moved in with me recently. I was financially better off as a single parent than I am now as a co-habitee!

Working tax credits do not take into account any maintenance that you receive from your husband and also entitles you to 70-80% of childcare costs, if appropriate.

When I was claiming WTC I was earning £7000 per year as a part time administrator, I received £45 per week maintenance, £27 per week child benefit and was still entitled to £120 per week tax credits. I was also able to claim back 70% of my childcare costs.

When my marriage first broke down I also believed I couldn't afford to pay the mortgage so I bought a smaller house with a smaller mortgage and my ex-husband kept the family home. Had I known then what I know now I would have stayed put and got legal advice from a family solicitor.

You and your daughter are the most important people in this situation and you need to make important decisions NOW that will affect the rest of your lives. Do not rush into any decisions, and do not be railroaded into anything by your husband.

I really hope things work out for you.

:grouphug:

Can i just add to the above advice....your post bothered me alot(you and child moving out and o.h keeping the house )i ve looked back on some of your old posts and i think?? your doing a diy divorce??????trust me that suits him a damn site more than it suits you.....go and get initial legal advice before!!!!!!!!!!!doing one more thing about this seperation and do not move out until you have all the legalities sorted.

Its his being in the wrong thats led to all this and as a Father myself im damned sure in the same position i would be making sure my child and partner at least had a secure roof over their heads..

Seek legal advice!!!

and my sincerest best wishes to you

Motherof1

Thanks everyone. This site is amazing. To answer a few questions....I work 16 hours a week. I went to Inland Revenue and got an illustration, but even with WTC and CTC I could pay the mortgage but not all the bills. The mortgage alone is £720.00 p/m before anything else. Although my job is permanent part time I earn £6000 per year which is roughly £7.00 per hour. I have sought some advice and my husband only has to pay Child Support and nothing for me. We are not doing a DIY divorce, we are seperating with a divorce to follow. I have spoken to Citizens advice but will ring around and try and get a free half hour with a solicitor.

My husband had an affair. I can't forget something like this but I want to be able to forgive and not being under the same roof with him now should help me do that. There are many other factors that have caused this. Without going into to much detail he is VERY LAZY too.

Motherof1

Thanks everyone. This site is amazing. To answer a few questions....I work 16 hours a week. I went to Inland Revenue and got an illustration, but even with WTC and CTC I could pay the mortgage but not all the bills. The mortgage alone is £720.00 p/m before anything else. Although my job is permanent part time I earn £6000 per year which is roughly £7.00 per hour. I have sought some advice and my husband only has to pay Child Support and nothing for me. We are not doing a DIY divorce, we are seperating with a divorce to follow. I have spoken to Citizens advice but will ring around and try and get a free half hour with a solicitor.

My husband had an affair. I can't forget something like this but I want to be able to forgive and not being under the same roof with him now should help me do that. There are many other factors that have caused this. Without going into to much detail he is VERY LAZY too.