Housing Benefit & who is liable for mortgage?

sleepless_saver

The4thTombliboo wrote: »

if I got housing benefit to cover partial interest, do I get 50% as it is in joint names, or all because I am the only one living there? Do they expect soon to be ex husband to keep up 50% payments? I cannot trust him to do this, and I cannot lose my home

Sorry but even if you paid 50% and he didn't pay anything you could still (eventually) lose your home as the lender will see you both as being equally responsible for the whole amount.

If you have been subject to abuse and have 3 children, and you cannot live in your own home because it is rented out, then the local authority will not allow you to be homeless as they will have a duty to provide accommodation.

I agree with the other posters, your first priority is your safety - all the rest can be sorted out later. Women's Aid should be able to help you access the kind of advice and services you need.

ETA:crossposted with BigAunty. What she said.

StandAlone_2

Also please be very careful about moving into a jointly owned home, when you have an abusive husband. Unless you have an occupation order and/or a Non-molestation order preventing him from gaining access to the house/you. You have no legal right to lock him out or prevent him from gaining access. The police cannot arrest him or prevent him from breaking into his own house.

From personal experience I would advise you not to move back into the house, unless you have the above.

The local council will rehome you. You say you have been assessed as High risk, so you should get priority, contact womens aid they will get the ball rolling for you.

I also was assessed as high risk, do not assume that your soon to be ex will not take Every oppotunity to get to you or at you. Assume and act as if he will.

Do not be afraid to act. The most important thing is yours and your childrens safety and wellbeing.

Good Luck, you are not alone.

nannymiaow

The4thTombliboo wrote: »

Refuge means moving the kids (3), then I am homeless if I cannot remove tenants!

Or you could stay where you are and they can learn some excellent life skills in how to beat up and subjugate women.

skintandscared_2

Can I just say one thing? When you say "abusive", do you mean physically (not that emotionally isn't just as bad). I know you are living in his mother's house (with her, I presume) but does she know what's been going on?? I know your OH is her son, but you are her daughter-in-law and your kids are her grandchildren! If I were the mother-in-law, I think I would be asking my son to leave, at least until you'd managed to find some acceptable alternative accommodation! I know blood is thicker than water and all that, but would a woman REALLY condone violence (physical or emotional) by their own son against his wife?!

lynzpower

Skintand scared, if the OP is at risk (any kind of risk) then she needs to be where he cannot find her.

A great number of women are killed at the hands of their partner AFTER she has left. Him knowing where they are and feeling betrayal from his mother potentially is a potentially explosive combination.

I hope the fact that we have not heard from the OP is because she has gone and is without connection to the internet x

StandAlone_2

I hope so too!

Also some IL's join in and actively persue and harrass. Along with encouraging and condoning the behaviour.
It's very unpleasant.

Fingers crossed they can step back in this case.

If you do get to read this OP.

Forget about the house for the time being. Unless you can get the tenants to leave and secure it against your husband. Then seriously it's not a safe option.
Change your phone numbers and cancel any joint accounts or credit cards you hold if you can. I know that joint accounts can't be canceled without both parties, but atleast when you get chance speak to the bank. My Ex ran up debts on these, he also tried to get the house repossessed by canceling the DD/SO on the mortgage account three times. These are the other ways he may try to regain some control over you financialy and alienating you from friends or family.
Speak to the mortgage provider and speak to your other financial agencies, they can put 'notes' on accounts to minimize anything he try to do.



I hope you and the kids are okay. Womens aid are good and they will point you at a solicitor who will have experience in these sort of situations. When you feel in doubt, think of your children. That's what gave me the courage to continue.
It's not easy, but it is worth it.

Take care
X

Gothicfairy

I am slightly confused , if you would need to move out of the area due to the risk then how can you go back to a house he knows ?

You need to get yourself and your children into a shelter now and worry about the house when you are safe, the shelter should be able to provide you with all the help and support you need once you are there and they will be able to go through the long term housing options with you.