I have just lost my job and for the first time im on benefits but this doesnt cover m

mummyoftwodarlings81

I have just lost my job and for the first time im on benefits but this doesnt cover my mortgage my mortgage was taken as soon as the benefit hit my account which has taken all the money in my account and had left me over my overdraft.. this was two weeks ago since then i have had no money and with two young children I am desperate for any advice from anyone that can help.

I lost my job on the 3rd of May and due to the fact id only being there 13 months i didn't get any redundancy payment i called my local council for help and they had a food service that provided food for 5 days i have managed to make that last two weeks and i am currently trying to sell everything i own and the childrens toys and clothes due to a couple of sales i have managed to buy milk and bread.

I have always worked so benefits is a minefield the service i used for the food is a one off service that i cannot use again i'm am desperately in need of money to feed the children and pay my household bills and i am really unsure of what to do

Also i would like any advice on selling my items i set up a facebook page as i couldnt pay the fees on ebay so any help with this would be greatly appreciated

I am really surprised how quickly this has happened i have never been out of work before so thought i would get something straight away as i have both qualifications and over 15 years experience in my role... I also thought i was been sensible putting money away fr the children rather than myself but when i have tried to access this I was told i couldnt as its in a child trust fund but surely the children need the money now to help house and feed them so if anyone knows anyway i can get to this money this would be of immense help

Any advice would be great as i really dont know where to turn

maninthestreet

You need to post on the DFW forum, with your statement of affairs (SOA).

bloolagoon

Firstly call your mortgage company and ask for a payment break if possible and advise them of your situation.

After 13 weeks you will get the interest part of your mortgage paid for if on income based JSA.

Next, let tax credits know of your new circumstances. Is there anyway the father could help?

mummyoftwodarlings81

what is the dwp forum?

my husband passed away 17 months ago but thanks for you help i will contact my mortgage provider and the job centre today x

mummyoftwodarlings81

i was really blase about the recession as it handnt affected me but now im in a situation that i never though would never happen to me... the children used to get weekly treats on a friday that cost me between £20 and £40 and i used to think nothing of it now im absolutely desperate for some shopping and would think £20 would feed us for the rest of the week it has really given me a reality check i used to waste loads of money im just hopeful that can get myself out of this situation and soon but i know if i do i will be much more careful
I cried two weeks ago getting the shopping from the local council it was such a god send and when i used to shop in luxury each week i never appreciated it

holly_hobby

I am so sorry for your situ, and hope that you'll soon be back in work ...

Here is the link to SMI (mge interest payment) - https://www.gov.uk/support-for-mortgage-interest/overview, if you are on a repayment mge however, and your lender won't temporarily switch to IO (which I would expect them to do for a scheduled period), you will still have to meet the capital repayment element of your mortgage ... if not you will fall into arrears and at 3 mths the lender may seek to pursue matters.

If you also have an appoitment with CAB or DWP for that matter, they will advise of what help is there for you and what benefits you may be entitled to, including bereavement benefit (if you were married).

Wish you well

Holly x

superbigal36

mummyoftwodarlings81 wrote: »

what is the dwp forum?

my husband passed away 17 months ago but thanks for you help i will contact my mortgage provider and the job centre today x

Sorry did you not have a life insurance policy ?

mummyoftwodarlings81

I didnt know that there was a bereavement benefit so will ask about this a the CAB tomorrow as i have an appointment at lunchtime.

I did go to the CAB about three weeks ago but didnt find it useful but now i know more of what to ask about hopefully this time it will help

I didnt have life insurance i know its a cliche but being in our early 30's i didnt think we would need it but as soon as i get another job i will be doing as i need something to protect my children

mummyoftwodarlings81

please can someone tell me what the DFW forum is

skylight

Debt Free Wannabe (DFW)

http://forums.moneysavingexpert.com/forumdisplay.php?f=76

Have you notified the Tax Credits of your change in circumstances?

There is also the benefits board http://forums.moneysavingexpert.com/forumdisplay.php?f=139 here. Different boards can help with different areas of expertise.

Have you enquired about widows allowance? https://www.gov.uk/widowed-parents-allowance/overview

Any parents/In laws who could help for the short term?
Have you asked your mortgage company for a payment break?

Own_My_Own

mummyoftwodarlings81 wrote: »

please can someone tell me what the DFW forum is

Debt Free Wannabe

Go on there and post a SOA ( statement of affairs)


http://www.stoozing.com/calculator/soa.php

There are lots of people there that can offer you advice and show you where to make savings .

OMO xx