very kind uncle

krisskross

sparky260500 wrote: »

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.

The OP already has children, three of them. Does seem odd to have another to provide for when they are in such a financial pickle.

kazzah60

krisskross wrote: »

The OP already has children, three of them. Does seem odd to have another to provide for when they are in such a financial pickle.

Im afraid I rather agree with this point.
My husband and I would have liked more than our 2 gorgeous sons, but he suffered an off duty injury and had to have a medical discharge from his much loved career in the Fire service -with our only income his small occupational pension and Incapacity benefit ( at that time) we knew we simply could not provide adequately for any more children ( this was in the 1990's pre child tax credits)- so we completed our family at two children.

I think more people need to " cut their coat according to their cloth" these days and only have the children you KNOW you can afford

I do think that although Tax credits are a great help to families they can encourage people to have more children than they might have done simply becuase the more they have the more benefit they receive.

rogerblack

kazzah60 wrote: »

I do think that although Tax credits are a great help to families they can encourage people to have more children than they might have done simply becuase the more they have the more benefit they receive.

There is of course the other point that might be raised that children from an in-work household are likelier to have a career where they on average pay more in than they get out.

From the point of view of them being productive members of society who pay for the state pension and other benefits of the future, it could be a good overall investment.

krisskross

rogerblack wrote: »

There is of course the other point that might be raised that children from an in-work household are likelier to have a career where they on average pay more in than they get out.

From the point of view of them being productive members of society who pay for the state pension and other benefits of the future, it could be a good overall investment.

I doubt there are many who pay in more than they take out. The only type I can honestly think of is a single or couple, no children, reasonably well paying job, never ill, who dies the month before state pension payments are due to start.

Neither of us were ever out of work, had 4 children who all have good jobs BUT my husband has had several lots of surgery including costly heart surgery, is an insulin dependent diabetic and has treatment for rheumatoid arthritis costing £10K a year. Plus he has been drawing a pension plus a hefty whack of serps for 8 years.

I am having Lucentis injections at a cost of £1K a pop. Claiming a pension as well for 8 years.

Our children have all received free health care including heart surgery for our younger daughter, education etc.

So although we ourselves always worked and paid our dues as do our children there is no doubt we have a deficit in what we have put in to what we have received. Very very few of us would have a plus balance.

gotintodebt

ab.da54 wrote: »

Companies who are owed money can petition for your bankruptcy so you could end up losing the house, even if it's not you who decides to declare yourself bankrupt.

After speaking to people in the no this will not happen.

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

The unsecured loans may soon be secured loans

skintandscared_2

krisskross wrote: »

I doubt there are many who pay in more than they take out. The only type I can honestly think of is a single or couple, no children, reasonably well paying job, never ill, who dies the month before state pension payments are due to start.

That'll be me then... (except for the dying before the state pension bit - hope I don't end up fulfilling that one )

Didn't go to uni/get a student loan, have worked since the day I left college, always worked somewhere with private healthcare, have no kids, have never claimed a penny for anything.

dave030445

tibiss wrote: »

Not correct. They can and do, issue what is called a Statutory Demand. Pay up or be made bankrupt.

Yes your right they can try, but a judge wont make a family with 4 kids and a disabled person sell there house for the amounts the OP is talking about quite small amounts.

skintandscared_2

It's £75k ... that's not exactly small!

dave030445

tibiss wrote: »

I don't know where you get your 'evidence' from but I would throw the book away!!

Where debts are involved, there is no place for sentiment or social conscience.

Whenever I was owed money in my business I always issued a Stat. Demand no matter what the personal circumstances were - that was not my problem - I was owed the money. Not many argued with the application, they soon found the cash from somewhere even if they had to borrow it from someone else!

No £75k is not a small amount but as the OP says they are made up buy lots a differant debts how many we dont know so its very unlikely that they will go down that route. OP get in contact with the companys and offer them a token payment of £1 a month I know that seems a silly amount but as you cant afford any more they will take it and as long as you keep paying the £1 they will leave you alone. Even is they say no to the £1 keep paying it they will in the end except. Then they will offer you a reduce payment clear the debt. so your total debt could go down from 75000 to about 50000 still alot but you may get them down even more. Good luck dont forget keep paying the £1.