very kind uncle

System

whitewing wrote: »

Is there a UK society that covers your incurable disease (esp as you mention the house has been adapted). If so, perhaps they may also be able to offer specific advice to help regarding the financial situation. I saw a TV advert for Macmillan today that said they help with benefits advice. I know you haven't said what your disease is, but I wondered if there were a similar society for you?

OP try searching here to see if you cold get any grants

http://www.turn2us.org.uk/grants_search.aspx

sleepless_saver

Unfortunately with £75k worth of debt on top of mortgage and only benefit income (even including child benefit and child tax credit which is presumably coming in as well as ESA and DLA) the options are very limited.

I think it would be acceptable to sell the house and pay off secured debts and mortgage but not unsecured debts as these are not enforceable. This should not affect income related ESA unless the remaining capital is over £6k, and DLA is not affected by income or capital in any case. But expert benefits advice (e.g. DIAL or local welfare rights) would be needed to confirm this.

But there is no way housing benefit could be paid if the uncle buys the house and rents it back.

OP, can your wife get back to work after the baby is born?

ETA: OP, have a look at the mortgage rescue scheme, a government backed scheme to help people stay in their homes in situations similar to yours. Not many people meet the criteria, but worth a look. See link.

gotintodebt

sleepless_saver wrote: »

Unfortunately with £75k worth of debt on top of mortgage and only benefit income (even including child benefit and child tax credit which is presumably coming in as well as ESA and DLA) the options are very limited.

I think it would be acceptable to sell the house and pay off secured debts and mortgage but not unsecured debts as these are not enforceable. This should not affect income related ESA unless the remaining capital is over £6k, and DLA is not affected by income or capital in any case. But expert benefits advice (e.g. DIAL or local welfare rights) would be needed to confirm this.

But there is no way housing benefit could be paid if the uncle buys the house and rents it back.
.
OP, can your wife get back to work after the baby is born?

ETA: OP, have a look at the mortgage rescue scheme, a government backed scheme to help people stay in their homes in situations similar to yours. Not many people meet the criteria, but worth a look. See

At the moment only one debt has gone on the house the others which are still £65,000 are unsecured at the moment. My wife is my carer. so is limited to what work she can do
thanks for all your help just seems silly that there is a way out but we cant take it.

rogerblack

gotintodebt wrote: »

Thats not much at the moment I thought my uncle was not allowed to pay my debts if iam on benefits all the money i have each month comes from benefits.

As I understand it, if your uncle gives you money, and you pay off the debts, that is a clear case of deprivation of capital, and you would be expected to live off the money he gave you.
(this is potentially arguable, but it's the line the DWP will take)

However, If he chooses to pay off your debts directly to your creditor, it causes you no problems at all. As I understand it.

However, it's wise to ask the DWP about this.

Something along the lines of a letter from you setting out what your uncle is willing to do, and enclosing a letter from the uncle saying that he is willing to clear the debts directly to the creditor, but would not be willing to give the money directly to you, as he has concerns as to how you would spend the money.

(do not put it in terms of 'because otherwise I'd lose benefit')

gotintodebt

Can the company with which i have the debt force the sell of my house or is it just the mortgage company that can force the sale there are 7 debt companys rangeing from a £1000 to £25,000

gotintodebt

rogerblack wrote: »

As I understand it, if your uncle gives you money, and you pay off the debts, that is a clear case of deprivation of capital, and you would be expected to live off the money he gave you.
(this is potentially arguable, but it's the line the DWP will take)

However, If he chooses to pay off your debts directly to your creditor, it causes you no problems at all. As I understand it.

However, it's wise to ask the DWP about this.

Something along the lines of a letter from you setting out what your uncle is willing to do, and enclosing a letter from the uncle saying that he is willing to clear the debts directly to the creditor, but would not be willing to give the money directly to you, as he has concerns as to how you would spend the money.

(do not put it in terms of 'because otherwise I'd lose benefit')

Thats great thats what ive been asking thats brill as i stated before my uncle would pay them not me. Thanks very much ill get on to it stright away.

Anubis_2

gotintodebt wrote: »

At the moment only one debt has gone on the house the others which are still £65,000 are unsecured at the moment. My wife is my carer. so is limited to what work she can do
thanks for all your help just seems silly that there is a way out but we cant take it.

If there is only one of your debts secured on the house then the most sensible way would be for you to find a way to pay this some way, whether your Uncle pays it is up to you but as long as this loan is either paid or the payments made eaxh month, then you will not be forced to sell your home.

Then, for the unsecured debts, make payment arrangements. If you ask for advice on the debt board you may be able to get companies to agree for you to pay £1 a month. This will affect your credit rating though but it means they cannot force house sale as they are unsecured debts.

skintandscared_2

rogerblack wrote: »

As I understand it, if your uncle gives you money, and you pay off the debts, that is a clear case of deprivation of capital, and you would be expected to live off the money he gave you.
(this is potentially arguable, but it's the line the DWP will take)

However, If he chooses to pay off your debts directly to your creditor, it causes you no problems at all. As I understand it.

However, it's wise to ask the DWP about this.

Something along the lines of a letter from you setting out what your uncle is willing to do, and enclosing a letter from the uncle saying that he is willing to clear the debts directly to the creditor, but would not be willing to give the money directly to you, as he has concerns as to how you would spend the money.

(do not put it in terms of 'because otherwise I'd lose benefit')

But then, not being funny, what's in it for the uncle?! At least with the first idea (which can't happen) the uncle would have ended up with a property he owned. This way, he hands over £75k for what? Debt that the OP is likely to never be able to repay?

At least if the OP contacts CCCS they debts could possibly be brought down to figures that are manageable.

nomoreboomandbust

gotintodebt wrote: »

Hi I am 41 and my wife is 33 we have 3 great kids and one on the way. I’ve work from when I left school to about 3 years ago when I was diagnosed with an incurable disease (but not life threatening)

Maybe I am being too harsh, but why are you adding to your family when you knew you had an incurable disease ?

sparky260500

nomoreboomandbust wrote: »

Mybe am being too harsh, but why are you adding to your family when you knew you had an incurable disease ?

yes i think you are being to harsh Thats a terrible thing to say can't disabled people have kids as the OP stated its not life and death.