Seperation advice with no money help !!!

worry_2

my course is only part time so i think i can get with some benefits , i already get child tax credit due to our low income , im not getting abuse other than emotional and aggression .

faerie~spangles

DUTR wrote: »

They are not trolling , even though a lot of their threads get locked.

As a noob I didn't know that, nevertheless...


My gob has been smacked.

LordSVS

You had children with someone you thought wasn't right, in the hope that would make him better? No wonder there are so many broken families!

Lord SVS

pearl123

I suggest you go to the CAB for free advise. Make sure you take a full list of your debts. Full financial history is needed if you want them to help you.
A very brief look at your posting history seems to indicate that bankruptcy might be the route to go. You need to be relistic.

DylanO

worry wrote: »

You dont pick who you fall in love with and i stayed because i thought he would grow up and take life more seriously especially when we had children < but this hasnt happened , i have wanted to go bankrupt many time for a few years but he wont ! , we have joint amounts so not much point me doing it by myself < i dont mind renting but i will need money for deposit and rent , ive put myself though uni and now teaching and volunteering to try and get a secure fulltime job time job for my children . but i feel incredibly guilty ending my marriage

Then you need to take responsibility for your actions. It doesn't matter if he 'won't' go bankrupt - you can. If you have joint debts then he'll become completely liable for them.

HappyMJ

Agree with many so far go BR and start again. In this country there is no need to be in financial distress. You won't have savings but you will be able to keep your earnings, pay the rent and live and if you don't earn enough then you can claim benefits to help pay the rent, put food on the table and live quite comfortably. If he won't go BR as well then you just move on. Keep every penny you can so you have your first months rent and deposit.

BitterAndTwisted

The OP needs to post on the Debt-Free Wannabe part of the forum. This isn't the right place.

OP there is no magic and instant solution. And there is no escaping your financial situation. You either deal with one of the debt charities and try to sort things out one way or the other or go bankrupt. Once you've lost the house you might be able to get the Council to help you with accommodation. Maybe Women's Aid if your husband has been financially abusing you and the children. The only trouble is that being a fool or a moron isn't necesarily abuse.

Emmzi

leave him and go br. he will have to deal with whatever happens after that and it sounds like his turn.

what is stopping you?

Just_Plain_Jane

merlin68 wrote: »

You wont get any benifits as your doing a course.
Also you wont get housing or council tax benifit as you own your own home.
If your suferring abuse you could ring womens aid and go into a refuge not the nicest of places and they would help you to sort things out.
you would get child tax credit but changing to a single claim can take weeks and the child beneifit.

Council Tax benefit is accessible to homeowners.

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/BenefitsTaxCreditsAndOtherSupport/On_a_low_income/DG_10018923

worry_2

Emmzi wrote: »

leave him and go br. he will have to deal with whatever happens after that and it sounds like his turn.

what is stopping you?

thats excatly what i want to do , leave him then bankruptcy then this time next year hopefully be working fulltime ! .but i have no money for deposit for rental and all theo agencies i have looked into say i cant get rental property with benefits and debts ,as they have to do credit search , only way is to get garantour .