Any regrets???

DecisionsDecisions

FavDaughter1 wrote: »

Yes,i cry a lot,more tears reading your kind words,hug,thank you.

i am so tired,not sleeping. feeling frustrated,the IVA proposal is in the post,no sign of it today:(,hope it'll arrive Monday & we can "get on with it".
just want to be sorted now whatever way it goes. i've looked online at private lettings for property,it's so expensive! i'm hopeful the council would house me if we need it due to my disability. not sure how that compares in cost.

thank you x

Hi FavDaughter1

On the housing front, should you need to explore that further, some Council's operate rent deposit schemes to help those that need it secure property in the private rental sector. Council/registered social landlord (RSL) housing are both cheaper than private rented sector but are in short supply generally (1 reason for the existance of rent deposit schemes).

With a disability there may be other options that the Council Housing Team can help you explore: ie if you need an adapted property. For example, the council I work for will match disabled applicants with suitable adapted properties that are not available for able bodied households, or at least match applicants to a property that is deemed suitable for adaptation.

Also, if it really does look like you'll need to move, act sooner rather than later. There is nothing to prevent you approaching a Council for housing advice way before crunch point and it can help you avoid additional stress that isn't necessary.
Hope that helps a little. Best of luck.

property.advert

The house is the crux of the decision making process I think and whether you have young kids. One thing I have a problem with in the various repayment plans is that some are just way too long and don't offer enough light at the end of the tunnel to motivate the debtor to persevere. You can do without things and live at a certain level only for so long.

sizzler

I suppose each has thier own.

Mine was sanity and safety for carrying on some how:)

FavDaughter1

Hi Decisions, thank you for that post. i have help from social services for adaptation to my home & equipment via The Independent Living Team. they've told me that if i need/want it they can help me with accommodation to a adapted council property because of my disability i'm classed as vulnerable. i'd never manage physically in a "normal" private rental.

it threw me when thinking about private renting- i just wouldn't cope! and i can't see private a landlord wanting handrails etc. i've got a big walk in shower here,so many things that help me day to day...taken for granted but they make a difference! we plan to see my doctor tomorrow,she's been very supportive with my disability.

we're not sure where our F&F offer is up to at the moment. BUT i feel if it goes pear shaped onto BR then maybe that'd be for the best. just want to"get on with it now" the stress is doing my health no good.

thanks, i appreciate the help

Angiepange

FavDaughter1 wrote: »

Hi Decisions, thank you for that post. i have help from social services for adaptation to my home & equipment via The Independent Living Team. they've told me that if i need/want it they can help me with accommodation to a adapted council property because of my disability i'm classed as vulnerable. i'd never manage physically in a "normal" private rental.

it threw me when thinking about private renting- i just wouldn't cope! and i can't see private a landlord wanting handrails etc. i've got a big walk in shower here,so many things that help me day to day...taken for granted but they make a difference! we plan to see my doctor tomorrow,she's been very supportive with my disability.

Hi FD

Has anyone ever suggested or discussed the mortgage rescue scheme as an option for you? Im thinking of the mortgage to rent, where you're house is bought by a registered social landlord and you become a tenant in the home?

x

kurust

The only regret I have is not doing it sooner. It feels like a great weight off my shoulders and I am a much happier person now. I know there are consequences to bankruptcy but for me the benefits far out way them. Good Luck.

DecisionsDecisions

Hi FavDaughter

Yes, I think you're spot on: private sector landlords are not often up for having their properties adapted though there are some around from what I hear. Sounds like you have all the support you need on the independent living front.

Angiepange has made a good point: probably worth enquiring about mortgage rescue scheme. Again, it's something your council's housing team/local housing advice service can advise on and I would hope the fact your current property is adapted for your needs would be a point in your favour on that front if mortgage rescue is an option worth persuing. That said, only you and your social work team will know how best your current property meets your needs so looking at adapted council stock may be the better option if it makes daily living easier.

I hope you hear about the F&F offer soon.