Lost my job. Mortgage to pay etc

computersaysnoagain

Also when you lost your job, they didnt blame you in any way did they, as in was it just reduction in jobs etc....Because if any blame can be laid at your door dwp might not pay out jsa straight away. Heres hoping it is not the case and you get help you need promptly.

Ah re read and see sacked due to complications, you might need to prove this was not your fault so be prepared for them to consider santioning you, forwarned is best armed

Liite

Ok, are mortagge companies fairly leanient when it comes to this kind of thing?

Yeah it was probably my fault for getting sack to be honest

Caz3121

Liite wrote: »

Thankyou everyone for your help! I do live with my girlfriend but we aren't married.

I think as a starting point i'll phone JC+

It doesn't matter that you are not married - you will be treated as a couple for benefits purposes. Does she work?

To get SMI you need to be in receipt of Income based JSA however if she works you may not be entitled to it depending on her income. You can claim Contributions based JSA if you have paid the correct NI but this won't help you with SMI.

Muttleythefrog

Liite wrote: »

Ok, are mortagge companies fairly leanient when it comes to this kind of thing?

Yeah it was probably my fault for getting sack to be honest

Depends on quite a few factors... I have a flexible mortgage... when I lost my job I could have requested a 6 month payment holiday and no doubt got it without query for perfect payment history.

But as above.. you may face complications in getting JSA because of nature of leaving last job... and for means tested benefits your partner can come into play.

Liite

Ok got it wasen't sure if it counted or not. Yes she works full time.

is there a website/calculator where I can see wht i'm entitled to?

Muttleythefrog

Liite wrote: »

Ok got it wasen't sure if it counted or not. Yes she works full time.

is there a website/calculator where I can see wht i'm entitled to?

I think maybe she's going to have to help you out! You'll likely be treated as a couple. The following link is worth a try.

http://www.moneysavingexpert.com/family/benefits-check?utm_source=forum&utm_medium=clicks&utm_campaign=resourcebar

Liite

Yeah. Well fortunatly she has had a rather hefty tax rebabe which should help

Oldernotwiser

woodbine wrote: »

benefits dont help with utilities sorry to say

Well, they do really as JSA is intended to cover them.

Hammyman

Liite wrote: »

Ok got it wasen't sure if it counted or not. Yes she works full time.

is there a website/calculator where I can see wht i'm entitled to?

OK, so she can pay the mortgage then. As a couple, when one is out of work the other is expected to support them.

Liite

Hammyman wrote: »

OK, so she can pay the mortgage then. As a couple, when one is out of work the other is expected to support them.

Yes very true, that is what we are working out. I was just wondering what I could claim to help the situation