divorce, joint mortage eligibility for council property

centralpark

thank you for your replies... sorry for the delay in coming back to you.
i didnt take any legal advice when i signed divorce papers - my head was all over the place and i just signed - i barely read them! i iknow i signed to all sorets of thigs - for instance im not allowed to remarry unless the ex's name is off the mortgage. i dont think the papers will stand up because mortgages are a sepertate agreement/area of law - we are jointly liable, end of. i think!
i am living with my partner and we have 1200 a month income between us, but this is just a bit lower than expenditure.
i havent declared mortgage money from mum to anyone - i didnt knw i should?
whenever i fill in the 'entitled to' online thingy it comes back that im entitled to sweet fa....
im not on the dole, im self employed and it would be too complicated to report earnings to the job centre every time i get a bit of work. although my work is very sporadic, i can earn more in one days work (when i get one) than i would receive on JSA and i dont think i can rightfully claim it.
i might be able to get some factory work or something to bring in more money but if i go bankrupt i presume i will have to hand this over anyhow. ive been applying for jobs for the last 2yrs and only had 2 interviews. i have a good degree behind me but still no luck and now no one in their right mind will take me on as pregnant.
since my original post ive realised that moving is simply out of the question at the moment. my house needs considerable investment to let it besides any of the other issues. we have no carpets down, no paint/wallpaper on the walls, the garden is a buil;ding site - i was dreaming if i thought we could just swan off. thats before all the legal requirments for letting such as smoke alarms, gas safe certs etc
johnny_storm - how like me you sound! after 12 yrs without hiccup my contraception let me down, not that its your beeswax! I'm pretty pragmatic but I couldnt think of a good enough reason not to continue with the pregnancy. I've certainly leaned to be less judgemental - until it happens to you you have no place to comment!

laurel7172

iknow i signed to all sorets of thigs - for instance im not allowed to remarry unless the ex's name is off the mortgage.

You don't seriously think any court would uphold this, do you?

If you want my opinion, you seem to have been bullied by your ex to the point where you think this appalling behaviour is normal. Claiming he can restrict your right to remarry???

You need proper legal advice, and you need it now. Better late than never. I doubt any solicitor drew up such a ridiculous document-you need to see whether anything can be done to sort out your finances fairly, for the sake of your unborn child if nothing else.

xylophone

for instance im not allowed to remarry unless the ex's name is off the mortgage.

:rotfl:

Oh come on! Make an appointment at your local CAB for starters and get some initial advice.

Fire_Fox

centralpark wrote: »

thank you for your replies... sorry for the delay in coming back to you.
i didnt take any legal advice when i signed divorce papers - my head was all over the place and i just signed - i barely read them! i iknow i signed to all sorets of thigs - for instance im not allowed to remarry unless the ex's name is off the mortgage. i dont think the papers will stand up because mortgages are a sepertate agreement/area of law - we are jointly liable, end of. i think!
i am living with my partner and we have 1200 a month income between us, but this is just a bit lower than expenditure.
i havent declared mortgage money from mum to anyone - i didnt knw i should?
whenever i fill in the 'entitled to' online thingy it comes back that im entitled to sweet fa....
im not on the dole, im self employed and it would be too complicated to report earnings to the job centre every time i get a bit of work. although my work is very sporadic, i can earn more in one days work (when i get one) than i would receive on JSA and i dont think i can rightfully claim it.

Your mother pays money on your behalf regularly, that classes as income to the DWP, council (if you claimed housing benefit or council tax benefit) and to HMRC.

So you would not be entitled to Support for Mortgage Interest on your current joint income? If not the state says you have enough coming in, where is it going? Complete this in full and post on the Debt-free Wannabe board http://www.stoozing.com/msoc/soacalc.php
Priority outgoings according to the debt charities CCCS and Payplan are rent/ mortgage, food and council tax. Next you budget for essentials like energy, buildings insurance, car IF you need it for work and cannot use public transport, any unsecured debts come way down the list.

If the other debts cannot be afforded you might be able to go onto a Debt Management Plan whereby the interest is frozen and you only pay what you can afford. The debt charities can arrange all this for you and the idea is to keep the roof over your head. IMO get something sorted before the baby comes and have your mother stop paying your mortgage, you will be stuffed for means tested benefits if that continues. You mother can of course buy you one off gifts like a pushchair or cot for the baby and these usually don't count as income. Whilst it might be pretty dodgy if she did things to the house that were very expensive, she might help her pregnant daughter out with a bit of painting as a Christmas gift.