Too scared to answer the door :(

c.cox

Hi, I am looking for advice please, I am married but I pay all the bills even though Im a student nurse and he's self employed, his money stays with him which annoys me loads. Anyway, I have been paying bailiffs off for council tax from last year, the bailiffs came and listed everything in my house even the toaster! Now Iv got a bill come through for this years council tax and iv been summoned to court on the 25th because iv not paid it but im behind in all my bills even rent because iv got to pay off last years council tax and now iv got bailiffs knocking on the door for bills my husband owes from when he had a unit for his business, Im too scared to answer the door now! honestly i feel like giving up. My husband went to the CAB to seek advice on going bankrupt but they told him because he's not paid any national insurance or tax they cant help him. Im at my wits end
I also have three children who live with us and am scared we will lose our council house

Tixy

Hi

You really need some urgent advice from one of the debt charities - for speed I would suggest either national debtline or maybe CCCS - both can be contacted for free in the morning. If you can try to pull together a list of all your debts and what stage each are at (eg which have CCJs/bailiffs) etc this will help the adviser who you speak to.

If bailiffs come the don't let them in, or even open the door to them.

Are you getting all the benefits you are entitled to?

[Deleted User]

tell him cough up or ship out

c.cox

Tixy wrote: »

Hi

You really need some urgent advice from one of the debt charities - for speed I would suggest either national debtline or maybe CCCS - both can be contacted for free in the morning. If you can try to pull together a list of all your debts and what stage each are at (eg which have CCJs/bailiffs) etc this will help the adviser who you speak to.

If bailiffs come the don't let them in, or even open the door to them.

Are you getting all the benefits you are entitled to?

I dont think Im entitled to any benefits because my husband works?? xx

Am also owed money from a company (please see this thread) https://forums.moneysavingexpert.com/discussion/2134853 Any advice about this? This could help me a lot. xx

Darlyd

Please get together all debts that are outstanding And your income and outgoings and call National Debtline free on
0808 808 4000
Monday – Friday 9am-9pm
Saturday 9.30am-1pm

And please ask DH to leave if he can not help you out financially.. This is getting ridiculously out of control, and it MAY cause you all to become homeless.

20vKarlos

without being disrespectful to you and your husband..... He needs to come to the real world!!!

my partners Ex left here with £30,000 of debt, he had control of the bulls ( didnt pay any of them for 3 years) and then fled!!!

he left the kids and now we are picking up the peices... my partner was declared bankrupt in 09 and we still pay the Council Tax + Water bills as they DO NOT get included into Bankrupcy.

i suggest you have a VERY SERIOUS conversation with you other half, he is meant to be there to help to to make things worse.... Im sure you love him as a person but he clearly isnt pulling his weight in the Bills section!!!!

THIS ANNOYS ME!!!!!

turn_over_a_new_leaf

I'm sorry I don't have any experience with things like this, but I hope you are able to get things sorted. Listen to all the good advice on here! I'm sure you will get lots of help.

x

neverlearn

Hiya, i cannot give much advice but did not want to read and not support. Keep posting daily or many times a day.There are experienced lovely supportive people here, to guide you through what you need to do.

Hang in there and i agree, husband needs to get his act together to help.

:money:

RAS

c.cox wrote: »

Hi, I am looking for advice please, I am married but I pay all the bills even though Im a student nurse and he's self employed, his money stays with him which annoys me loads. Anyway, I have been paying bailiffs off for council tax from last year, the bailiffs came and listed everything in my house even the toaster! Now Iv got a bill come through for this years council tax and iv been summoned to court on the 25th because iv not paid it but im behind in all my bills even rent because iv got to pay off last years council tax and now iv got bailiffs knocking on the door for bills my husband owes from when he had a unit for his business, Im too scared to answer the door now! honestly i feel like giving up. My husband went to the CAB to seek advice on going bankrupt but they told him because he's not paid any national insurance or tax they cant help him. Im at my wits end
I also have three children who live with us and am scared we will lose our council house

hi
sadly now the bailiffs have been in your house, they can come back and you are at risk if this year's CT bill goes to a liability order as well.

I think you need to tell your husband that either he pays the CT bill and rent up to date or he ships out.

The reason being that you may well be entitled to some benefits even if he is working, but if he has failed to pay NI or HMRC, then it does not sound like he has the accounts needed for you to apply for the benefits. This places your whole family in extreme jeopardy which is not fair or reasonable. You need to protect your childrens' home and welfare more than him.

If he goes, that ceases to be a problem, to put it bluntly. Check out what you could get here www.turn2us.org.uk

The reason CAB advise problesm re bankruptcy is that NI and HMRC are priority debts.

Please can you go and speak to your welfare officer at your University and /or at the Student Union and see if there are any hardship funds you can access?

If they paid up last years CT bill it would help.

It would help if you could find that levy/walking possession order and list for us the goods and the fees charged, as the rukles are quite strict and I suspect he has broken them.

RAS

c.cox

When I was a child we lived in a very nice house with an apparently nice living standard. What no-one else knew was that this was largely supported by my mother's ingenuity and enterprise because my father was not contributing properly to the household.

Even when the bailiffs arrived to take over the house (he was bankrupt but had not told her), mum stood by him. He was supposedly going to buy a cheap and very run down house from the remaining money from the sale but pulled out without tellling mum. In the mean-time we were in temporary accomodation, until the bailiffs arrived to re-possess that. In less than a year we lost the roof over our heads three times because of his failure to pay. He was actually taking the wages mum earned to pay bills and then giving it back to her as house-keeping (we had no access to banking and she could not afford to travel into town).

The only way mum kept us out of care was by taking a job with accomodation that allowed her to take the youngest, and putting the rest of us with family, who were far from happy. I recently saw a photo of her at this time and she looked haggered to say the least; about 50 when she was 32 in reality. None of us was getting enough to eat, we were living in very poor circumstances, very cold with no running water or electricity and our life had been turned up side down several times. When things went pear-shaped we had a couple of suitcases of clothes between us and a few toys. Mum eventually retrieved some of our possessions and found a job that allowed her to keep us all, then a hard to let property that was awaiting demolition.

The following decade was very very hard, but there was no social security support; in those days CB was only paid for the second and subsequent child and there was no sub ben or WTC/CTC and we could not get any housing support because mum worked. For several years we would have been better off with mum not working and living purely on benefits.

Your childrens' lives are already being blighted by your husband's poor financial skills; you need to get out before he destroys you all, or rather get him out. I am full of admiration for your efforts in getting an education that allows you to start in a profession that offers a decent basic salary and wish you well in your future career, but you need to take hold of the financial situation before it swallows you all.

Which of these debts is in joint names? Rent and Council Tax. Anything else?

gfplux

Hello c cox,
You are in a terrible state of worry and dread because your husband is not worth having. He is also not acting as a father and protector of the three children in the house.
Get rid of him, get him out of the house.
Then you can begin to sort out your problems. When you have got rid of him you will have one big problem less.