Advice required

Lucyv

This sounds really stressful for you. He defiantly needs to be paying child maintenance. I don't know much about benefits but would it be possible to apply for housing benefit to pay the mortgage? Or possibly rent somewhere cheaper and rent your house out? Or get a lodger? I would ring every single benefit line line and explain your situation. Are you entitled to child benefit? Good luck x

bellevie

You would be able to claim income support, as your child is under 5, plus tax credits and child benefit which you may already be getting. You wont get any help with mortgage, but may get help with council tax.

If you do find work, tax credits may help with childcare costs depending on your income. A good site to get an idea of any help you may get is https://www.turn2us.org.uk - click on benefit search, then fill it out. I used it alot when I was applying for work, comparing different types of childcare with different salaries etc to make sure it was affordable.

Good luck

monkeymou

bobthebuilder2006 wrote: »

when you got the mortgage was you married, im sure once you marry, his rating becomes yours (i am not 100% sure on this), i think you will be entitled to money, if any of his names on bills at home? if it went to court, he'd deffo end up having to pay, as courts put the child first, and im pretty sure if your married your mortgage is his!

When we bought the first house we were engaged, we got married last year, and I kept my name and left him off the bills so that his name wasn't on anything. I bought this house not so long ago and it is solely in my name.

monkeymou

ERICS_MUM wrote: »

Is the house also in your sole name ?

Would you be able to downsize so that you could manage better on whatever child support your OH can/will pay ?

What a pig he sounds, surely he'd been having thoughts of leaving for some time, why let you get pregnant, move house and resign ? I'm so sorry.

Yes it's solely in my name. His CS is so bad that the mortgage company wouldn't allow him on it with me.

Kayalana99

Sorry hun I think whats best would be to sell the house and rent for a while (you'll get HB, council tax help, tax credits this way) so you'll more then be able to cope if you do that.

If you stay in that house it will be death of you as all you will be doing is paying the mortage then struggling for everything else.

So sorry this has happened for you, what a !!!!!! head. x

Frogling

Hi Monkeymou. First of all, a big hug to you in support of all you are going through right now.

I would contact Citizens Advice for more information on what extra help you will be entitled to. Also, get in contact with Gingerbread and find a solicitor to book an initial consultation with so that you have some sound legal advice behind you.

You may not want to answer this, but whereabouts in the UK do you live? Some areas have support groups which you may find can be a good source of information and advice.

Most importantly, don't be afraid to lean on friends and family. I was once in a horribly similar situation to you, when my now ex-husband went to the pub one Sunday afternoon and then rang me to tell me he wasn't coming back. I was left at home with a toddler and a 6-week old baby at the time. Take all of the help you can get, focus on your wonderful baby and keep yourself healthy, and you will make it through this horrible situation.

peachyprice

Can you ask the bank if you can pay interest only on the mortgage until you're back on your feet?

Caroline_a

First thing I would make an appointment to see a solicitor - if only for the free half hour. Unfortunately, even if the house is in only your name, it is a marital asset, and as such your husband is entitled to a share of it.

However, you are also (usually) allowed to remain in the marital home until your child leaves full-time education, so that is something else to consider. I would put in a claim immediately with the CSA for maintenance for your baby, as once you have done that then any payment will be backdated until the date of your claim.

Good luck!

Gigglepig

Since OP only married last year presumably ex would not be entitled to much of a share in the house (martiage was very short)

sjlou

So sorry to hear your predicament. I cant imagine how you must be feeling, when all you should be doing is enjoying you mat leave with your lo.

As peachy said its worth asking the mortgage company about an interest only deal. They tend to be better if you come to them before you're unable to continue on your monthly payments. My sister in law was left on her own with a lot of her ex's debt as well as the mortgage, the bank were very good and managed to extend the mortgage term to enable her to stay.

Or have you considered renting out your house and moving into a smaller rental or even better are you able to move in with family?
Again you'd have to check that this is ok with the mortgage company.
This may able you to keep your head above water until you're in a better position to make big decisions.