Benefits my family and me ??? ??? ???

dannychampoftworld

Hi guys ive put a few posts on different boards and hope you can help with this one, i am due to be made redundant shortly in about a month i will have some payout but unsure of
what i will get .Me and my partner have considerable debt unsecured to the tune of £27,000 we have a mortgaged property but as i stand to lose my job we look set to lose the house.That is in negative equaty anyway and ive only been paying the intrest for about 18 months ive notified the mortgage company and they have more or less said they are not willing to help.Have spoken to debt charities and citizens advice about the problem they have been very helpfull but the realisation is that were going to have to go bankrupt. Anyway my partner is on a few benefits: child tax credit,DLA for one of my daughters,and carers allowance for that daughter also.Just wondered when i eventually am made redundant what benefits are out there for me to claim or will any of my partners be increased.We also have our name on our local council's housing assosiation and are looking for a council house would we have anything if were lucky enough to get one paid towards the council house whilst im looking for work hope someone out there can help cheers dan.:eek:

BigAunty

The Shelter website has good info for struggling homeowners and the various schemes, which also include a scheme whereby a social housing landlord buys the property and grants the former owner-occupiers a secure tenancy.

Do you have any capital and what redundancy payment are you expecting?

You can model your post-redundancy benefit entitlement on the Turn2us online benefit calculator. Off the top of my head, I think you could expect to get £67.50 a week in Job Seekers Allowance, council tax rebate and perhaps an increase in tax credits.

If you do get social housing, you would be eligible for housing benefit on it (assuming you don't have capital above 6k which reduces it and above 16k that rules it out).

RAS

Go to www.turn2us.org.uk for benefits advice.

You do realise that if you go BR, you may well be ableto keep the house?

Stop paying the unsecured debt NOW.

Start paying the mortgage properly.

Apply for benefits to help you pay the mortgage.

Notmyrealname

Contributions Based JSA for the first 6 months. After that, income based but it will be impacted by the carers allowance your partner gets. Council Tax Benefit, Housing Benefit if you end up renting. You're already getting Child Benefit, Child Tax Credit, DLA and Carers which is just about everything else but inform Tax Credits of the loss of the job as it may increase the payment if your earnings were high.

If you do go bankrupt, be completely straight with the Official Receiver - they are helpful when you are and the spawn of the devil if they think you're hiding something. And as already mentioned, if you're definitely going the BR route stop paying unsecured debts - you're just setting fire to money as the debts will be included in the bankruptcy so you've paid that money out for no reason.

Good luck.

rogerblack

Assuming you've been employed for a while, you will be entitled to contributory JSA.
DLA and carers allowance do not change.
Is your partner working?

creditcardhelp11

After JSA-C you can claim Income support. Or you might be better off claiming Income Support now and getting the carer's premium. You need a benefits check see CAB.

merlin68

They can claim income support now as his wife gets the carers allowane, but she would need to make a joint claim. You will get about £135 a week plus your council tax paid. you will keep the child benefit and DLA and get maximum child tax credits. Plus free school meals. You will only get a council house if you are homeless. i.e you have to wait for the baliffs to put you out.

dannychampoftworld

thankyou your advice was realy helpfull

dannychampoftworld

rogerblack wrote: »

Assuming you've been employed for a while, you will be entitled to contributory JSA.
DLA and carers allowance do not change.
Is your partner working?

no she is not working just a carer for my disabled daughter.

merlin68

How many children have you got? and what rates of DLA, then i can work it out exact for you.

Mara69

The council may deem you intentionally homeless and could refuse you housing on this basis.