Will we lose our home?

calleyw

poormummy wrote: »

It may be an option for my husband to claim a carers allowance and me claim DLA, but the social worker we spoke to was not very hopeful the claim would be successful due to my illness being mental rather than physical.

It is not about what illness you have but your care and mobility needs.

It is harder if varies a lot. But you need to have had the needs for 3 months and expect them to last another 6 months.

And then you would to have middle rate or above care to being to claim carers allowance.

Yours

Calley

Kalia

poormummy wrote: »

tax credits - I'm not sure where to get definitive information about this - on the phone, the tax credits office will only give me information if my circumstances have actually changed, rather than a 'what if this happened...'

I don't know if this page will update in the new tax year, it did last year, but have a look at pages 7 and 20 for the tables of ctc and wtc. http://www.hmrc.gov.uk/leaflets/wtc2.pdf

sleepless_saver

poormummy wrote: »

I am receiving treatment for the depression, and my doctor, therapist and psychiatrist understand that I can barely look after myself, so if needed, they would sign me off as unfit to work if I were to apply for ESA instead of JSA.

The final decision about whether you are fit to work or not would not depend on your doctors or therapists but on DWP who would have a separate medical assessment done. People can find this stressful (see lots of posts on this board).

poormummy wrote: »

It may be an option for my husband to claim a carers allowance and me claim DLA, but the social worker we spoke to was not very hopeful the claim would be successful due to my illness being mental rather than physical.

From your description of your condition, I wouldn't let the social worker's view put you off applying. You could well be entitled to DLA and have nothing to lose by applying. But get help with the DLA form from CAB or welfare rights as the form can be quite hard going.

poormummy_3

I phoned Shelter about the Mortgage Rescue Scheme eligibility - apparently the criteria is down to individual councils. So I phoned the council, and they need evidence that the bank are starting legal proceedings. Phoned the bank, they won't start legal proceedings until there are 6 months of arears.

morledge142

i, from someone who has been in a similar situation my advice to you would be to move into rented and hand the keys back voluntaryily on your house, then go bankrupt.


we struggled along for a few years trying to save our "home" to avoid moving and struggled tlo pay debts.

knocked sideways by a car crash last year= !!!! happens =

we moved into rental in february and the relief is amazing a weekl or so later this now feels like our home and we do not have the chains round our neck, our next step will be to go bankdrupt in next few weeks when we have sorted paperwork.

i feel better, less deprseesed than i have felt in ages a fresh start, fresh faces so we don;t have to avoid friends saying what happened to your house.

we did not have option of interest govt savings as property too expensive, no equity or whatever.

i have been fighting esa/dla for past year = so don;t assume it will b e a walk in the park, even with a doctors's notes,. reports etc you will have to probably attend a medical and prove you are unfit for ANY work before you would get esa.

unfortunately i am suffering from chronic pain following my crash buy mentally the dark cloud has lifted. IT WILL DO YOU A WORLD OF GOOD.

your family will have a better environment to grow in if mum and dad are happy, (working) and have no money worries.

by th eway we now gety housing benefit as the only way to get support was to leave our home but we are now in a new home.

good luck and think carefully things are not as easy as they first appear = disability benefits are not easy and alot get turned down now so it is not an instant money tree you can wait years for a postive result.

good luck and take care.

morledge142

also i now feel we grew up an an age where we were encouraged to own our own house and you nveer do you are paying for 25 years or so and it is nvever yours until then so one bit of bad luck and everything changes.

you waste all that cash finding a deposit.
i would rent now any day instead of buy.

jinky67

https://www.dwpe-services.direct.gov.uk/portal/page/portal/ba/lp

try this

you can do a comparison on here

boo1

RAS wrote: »

AHave you looked at www.turn2us.org.uk for information on working and child tax credits?

Well worth going onto this site and doing a benefits check, you can enter different salaries and see what benefits you may be entitled to.

telboyo

poormummy wrote: »

I can see that selling our house would be an option and we could live off any equity (maybe £20k-£30k) until we could claim housing benefit, it just feels like we are being punished for being made redundant (and the whole financial mess and insecurity triggered the depression)..

In an earlier post you said you owed 25 K - sell your house and your debts are gone.

The "whole financial" mess was caused by people buying houses and assuming they were going to double in price thereby encouraging every one else to get on the housing "ladder". Speculators (Homeowners) wanted to buy this ladder and the market supplied it in the form of low cost loans. Everyone was happy until people realised that money does not grow on trees.


Back to your problem: Sell your house - clear your debts - rent a property, if your partner gets some work he will get WTC and you will be happy.

poormummy_3

Thanks for your replies. I'm currently looking at the links that were posted to find out about working tax credit and other 'what ifs' - they don't seem to be very accurate on our income though - it's more than doubling what we actually get!

If we sold the house, it's still not clear whether we could use the money to pay our debts or whether anything over £16k would need to be used for living/renting costs (so would still owe £10k).