Cousin sold her house and now unable to get mortgage to buy another

freeisgood

As the kids are 8 and 6, they are in full time school. So she could work between 9 and 3 and still be there to look after the kids. Thats what my friends do (cleaner, childminder, ironing service, leafleting, book keeping). (and I do)

EdGasket

It's a hard life, then you die...

sandsni

Sorry to say, but if I worked in the housing dept. I'd be wondering if she and the "absent" husband had cooked up this idea to get council housing paid for by someone else (i.e. the taxpayer). Who sells a perfectly serviceable house without planning where they're going to live when they've got 2 kids? I wonder how long after she gets housed by the council will the errant husband return in the hope of a reconciliation?

Of course there could be a perfectly innocent explanation.

Ronaldo_Mconaldo

sandsni wrote: »

Sorry to say, but if I worked in the housing dept. I'd be wondering if she and the "absent" husband had cooked up this idea to get council housing paid for by someone else (i.e. the taxpayer). Who sells a perfectly serviceable house without planning where they're going to live when they've got 2 kids? I wonder how long after she gets housed by the council will the errant husband return in the hope of a reconciliation?

Of course there could be a perfectly innocent explanation.

It does sound pretty bizarre. The OP seems determined that we believe that she should jump to the front of the free house queue. Sure, OP, do whatever it is that you're implying she should do. Better yet, why don't we have a whip round and buy her a place. Or even better, why not have her live with you?

I

fart

Indeed it's a bit strange that they sold up without planning something more solid in advance.

No sympathy for them really if she doesn't want to work. Kids under 4 are one thing, but kids in school is another. My mum got a job as soon as we were in school, and then upped her hours once we were old enough to get the bus in and out alone. If she doesn't want to work she's going to be told it's tough basically. She will either be forced to go without all benefits or look for work, simple as that.

This will count for housing benefit too. These Tories aren't messing about.

She may get on the council as homeless but she's gotten herself into a dire situation as far as i can see.

zaksmum

She's definitely not living with me! She's the most irresponsible person I know. There's no subterfuge though. The father has vanished and my cousin was gutted.

She sold her house because she wanted to relocate and move back up north to be near her ailing mother. The plan was to move in with the mum, look for a property in the mum's area then buy it on mortgage. How she intended to help her mother is beyond me because she's nothing but a sponger.

Anyway...having sold the house and being in negative equity she's in big trouble.

It apparently never occurred to her that as an unemployed single mum, she'd be refused a mortgage. It wasn't an issue before as the dad was employed. She hasn't worked since she had the kids.

I'm not bothered about her though. It's the kids I'm concerned about. They need somewhere to live.

Fraise

Besides all her other problems your cousin must be in debt too if she was in negative equity? How did she expect a bank to offer her a mortgage when she has a debt, is unemployed, and has no deposit?

zaksmum

Fraise wrote: »

Besides all her other problems your cousin must be in debt too if she was in negative equity? How did she expect a bank to offer her a mortgage when she has a debt, is unemployed, and has no deposit?

She probably is. I can't imagine how she thought a mortgage would be handed to her on a plate. She's not the most intelligent of people.

Over the years she's treated her mum disgracefully, refusing to speak to her for months on end if the mum was reluctant to hand over even more money.

Not a nice person at all. But she does love her kids, and they love her - she's all they've got now that dad's done a runner.

I just hope she can find somewhere to live, however undesirable the area might be.:(

AFK_Matrix

In your first post you say she has a small deposit but now your saying she has none?? Which is it as depending on the size of the small deposit she may get lucky and find a landlord that will accept her on benefits and 6months worth of rent.

And yeah tell her to get a job!!

hazyjo

Could she be full time carer to her mum instead of her going into a home? She would be entitled to something then (carer's allowance?), and her mum could (presumably) keep the house.

Crazy situation.

Jx