Repossession advice- what happens next?...

cpisthedbb

Flyboy152 wrote: »

I did ask you about this earlier on.

Two hundred pounds a month more than you, what benefits is she on? :eek: Do the CSA know? If she had been able to pay some of the mortgage, but deliberately avoided it, the mortgage company will not be best pleased.



Hmm....not so sure you did, to be honest, it wasn't just relating to the deeds, there were other factors.



The cost of a basic a HIP would have been about three to four hundred pounds, if you were to shop around. These are in most cases, arranged by the estate agent and settled after completion.



Four hundred pounds is not a lot of money, in the great scheme of things and the need for a HIP was withdrawn eight months ago. You focusing on that aspect for the reason for not selling, seems to be a bit of a smoke screen.



Sorry, but during this thread it has appeared as though you were interested in only how it was going to affect you and your bitterness towards the mother of your child showed through. Don't you think that if you had been willing to help them find alternative accommodation, rather than (from their perspective), throwing them out of their home, things might have been different.

I'm not been funny but it doesn't sound like you've ever been in a similar situation.

If you ever are you'll realise how complex everything is especially when a child’s involved. I appreciate you're input so far but some things you've put are a little patronising. I'd guess by your username you’re a male but the way your questioning me it sounds like it's from a female point of view...

Flyboy152

cpisthedbb wrote: »

I was shocked when I knew how much she was earning in benefits. I only know as she left her bank statements on the kitchen side after we split.

To be honest, I am struggling to see what benefits she could be claiming that would pay her this amount? Child benefit, child tax credits, possibly working tax credits, but for two days a week, unlikely. Maybe she gets council tax benefit, but then that wouldn't show on a bank statement. JSA and/or income support. Assuming you take home about twelve hundred a month (40 hours a week on a decent wage, £180pm on CSA assessed maintenance) and add on two hundred pounds, that still wouldn't amount to fourteen hundred a month in benefits.

She was been awkward about selling as previously stated, she didn't want to sell the house for any loss. The house would have sold for a loss as we started renovating it but didn't finish it. At best it would have broke even, at worst we'd be offered a lot lower than we needed.

How can I help her find alternative accomodation? Were not even on proper speaking terms.

There are always means and ways, what was most important, you avoiding your creditors, or making sure your daughter had somewhere to live? If you were to approach her with an offer to help her move, she might want to open a dialogue. If you feel some animosity towards your ex-partner, that is fair enough, but it is better to have been up front about it. Making a point of her not "paying rent," to you, for example, didn't help.

Flyboy152

cpisthedbb wrote: »

I'm not been funny but it doesn't sound like you've ever been in a similar situation.

If you ever are you'll realise how complex everything is especially when a child’s involved. I appreciate you're input so far but some things you've put are a little patronising. I'd guess by your username you’re a male but the way your questioning me it sounds like it's from a female point of view...

Fortunately, I have not been in this situation before, but I have worked with peopel who have. I worked with family groups and have come across similar situations to yours. Trust me, your position is far from being unique, nor is it as complicated as it could be. What I have been doing, to some extent, is playing Devil's advocate. You will have to deal with these issues at the same time you are seeking to be declared bankrupt, face the courts in any contact disputes and with your mortgage lender, when it comes to repossession.

To assume gender is just as patronising don't you think?

cpisthedbb

Flyboy152 wrote: »

To be honest, I am struggling to see what benefits she could be claiming that would pay her this amount? Child benefit, child tax credits, possibly working tax credits, but for two days a week, unlikely. Maybe she gets council tax benefit, but then that wouldn't show on a bank statement. JSA and/or income support. Assuming you take home about twelve hundred a month (40 hours a week on a decent wage, £180pm on CSA assessed maintenance) and add on two hundred pounds, that still wouldn't amount to fourteen hundred a month in benefits.



There are always means and ways, what was most important, you avoiding your creditors, or making sure your daughter had somewhere to live? If you were to approach her with an offer to help her move, she might want to open a dialogue. If you feel some animosity towards your ex-partner, that is fair enough, but it is better to have been up front about it. Making a point of her not "paying rent," to you, for example, didn't help.

I'm not sure what benefits she is on but I know for certain that as a single mother she was claiming over £200 more a month than me. I worked it out over 3 bank statements of hers. At this point I was paying the full mortgage for her as my child maintenence so CSA wasn't involved. If she is still on the same benefits she'll be on £380 more than I'm earning with CSA.

I've left her every item of furniture in the house which total around £6000. Some of the things I am still paying for on my CC. What more can i do for her? She has a come away with a lot more than me. Plus I was in just about no debt when I left the house where as she had around £15000 debt. She wants to become bankrupt for obvious reasons and is another reason she wanted to let it get repossessed.

As previously said, you probably haven't been through anything like this so don't understand. I've worked hard over the past year to get my own place and buy brand new furniture for it. I sold my car which i loved to do this and bought a cheaper one plus sacraficed my social life. Where as she is out 2-3 times a week and as far as I know, has made no provisions when the house goes...

Flyboy152

cpisthedbb wrote: »

I'm not sure what benefits she is on but I know for certain that as a single mother she was claiming over £200 more a month than me. I worked it out over 3 bank statements of hers. At this point I was paying the full mortgage for her as my child maintenence so CSA wasn't involved. If she is still on the same benefits she'll be on £380 more than I'm earning with CSA.

No she wouldn't because a huge chunk of it will have been taken off of her to pay for her benefits.

I've left her every item of furniture in the house which total around £6000.

What did you expect your daughter to sleep on, sit on, eat on?

Some of the things I am still paying for on my CC. What more can i do for her? She has a come away with a lot more than me. Plus I was in just about no debt when I left the house where as she had around £15000 debt. She wants to become bankrupt for obvious reasons and is another reason she wanted to let it get repossessed.

As previously said, you probably haven't been through anything like this so don't understand. I've worked hard over the past year to get my own place and buy brand new furniture for it. I sold my car which i loved to do this and bought a cheaper one plus sacraficed my social life. Where as she is out 2-3 times a week and as far as I know, has made no provisions when the house goes...

That's what happens when you leave your relationship. Like I said, your are not unique in your situation.

inca_2

Instead of being so concerned with making the OP out to be some awful human being who is the bad guy in all of this has anyone considered that maybe his ex is sitting pretty knowing that she isn't bothered by bankruptcy etc as she knows that with a child at risk of homelessness she will be given accommodation and with all of the benefits she seems to be on is unlikely to have to worry about paying rent council tax etc and her debts wiped clean. Some people genuinely don't take bankruptcy and it's effects seriously, what's to say she is not one of these people? There are men and women out there who know how to play the system and get as much as they can from it in the way of housing and benefits. I know of a person (who thankfully was reported - by her own sister no less) claiming a ridiculous amount of benefits that she was in no way entitled to. She may or may not be one of these people. It would seem that the OP has looked into a variety of solutions to this problem (selling/renting/transferring mortgage to sole name). I don't know if this is true, I don't know either party concerned so have no idea who really is at fault here but why do some have to pick apart the story and judge an OP rather than offer help or guidance as requested?

cpisthedbb

inca wrote: »

Instead of being so concerned with making the OP out to be some awful human being who is the bad guy in all of this has anyone considered that maybe his ex is sitting pretty knowing that she isn't bothered by bankruptcy etc as she knows that with a child at risk of homelessness she will be given accommodation and with all of the benefits she seems to be on is unlikely to have to worry about paying rent council tax etc and her debts wiped clean. Some people genuinely don't take bankruptcy and it's effects seriously, what's to say she is not one of these people? There are men and women out there who know how to play the system and get as much as they can from it in the way of housing and benefits. I know of a person (who thankfully was reported - by her own sister no less) claiming a ridiculous amount of benefits that she was in no way entitled to. She may or may not be one of these people. It would seem that the OP has looked into a variety of solutions to this problem (selling/renting/transferring mortgage to sole name). I don't know if this is true, I don't know either party concerned so have no idea who really is at fault here but why do some have to pick apart the story and judge an OP rather than offer help or guidance as requested?

Cheers Inca, you've basically hit the nail on the head. I maybe shouldn't have given the background to how I've ended up in this situation.

The guidence and advice was all I was after, not the lecter to be honest....

cpisthedbb

Just to also add, I received a final demand for council tax when I got home last night. She said she'd been paying it but obviously not as I just received a £700 bill for a property which I've not been living in. No doubt I'll be on the phone for hours today trying to sort this out...

Flyboy152

cpisthedbb wrote: »

Just to also add, I received a final demand for council tax when I got home last night. She said she'd been paying it but obviously not as I just received a £700 bill for a property which I've not been living in. No doubt I'll be on the phone for hours today trying to sort this out...

If she is on all the benefits that you say she is, she would be on council tax benefit.

Flyboy152

inca wrote: »

Instead of being so concerned with making the OP out to be some awful human being who is the bad guy in all of this has anyone considered that maybe his ex is sitting pretty knowing that she isn't bothered by bankruptcy etc as she knows that with a child at risk of homelessness she will be given accommodation and with all of the benefits she seems to be on is unlikely to have to worry about paying rent council tax etc and her debts wiped clean. Some people genuinely don't take bankruptcy and it's effects seriously, what's to say she is not one of these people? There are men and women out there who know how to play the system and get as much as they can from it in the way of housing and benefits. I know of a person (who thankfully was reported - by her own sister no less) claiming a ridiculous amount of benefits that she was in no way entitled to. She may or may not be one of these people. It would seem that the OP has looked into a variety of solutions to this problem (selling/renting/transferring mortgage to sole name). I don't know if this is true, I don't know either party concerned so have no idea who really is at fault here but why do some have to pick apart the story and judge an OP rather than offer help or guidance as requested?

If she knew how to play the system, she would be at least be on council tax benefit, which she apparently isn't.

There are far too many inconsistencies here for the given account to be as accurate as we are being led to believe. For example, the OP takes home twelve hundred pounds a month, he says that she earns two hundred pounds a month more than that in benefits. There is no housing benefit to include, so we are talking about JSA, maybe IS, CTC, possible (but unlikely) WTC and CB. I cannot see this adding up to fourteen hundred pounds a month. Then there is the whole house sale issues, mortgage, HIPs, estate agents, etc.