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Separating from my wife, no savings and effectively homeless!

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  • paulineb_2
    paulineb_2 Posts: 6,489 Forumite
    Padstow wrote: »
    Exactly! You have a home and if you walk out, you are stuffed.

    Some people do get rehoused after a marital breakdown, but a lot end up going into temporary accommodation first.
  • paulineb_2
    paulineb_2 Posts: 6,489 Forumite
    I work with homeless adults and I would say that the Local authority does not have the duty to re-home you in an emergency unless you have been a victim of DV or have any disability.

    I worked with homeless young people for over 15 years and I think each area could be different. I did work with people who were rehoused after a relationship split, worked with 16-25s but sometimes up to 30 years old. But most of them had to go into homeless hostels or projects first. I think the OP would only get rehoused quickly if an area had discretionary housing, perhaps in areas that were very hard to let and had voids.

    I do think he needs to speak to a local housing office asap. And not leave the family home until he has somewhere else to go.
  • paulineb wrote: »
    I worked with homeless young people for over 15 years and I think each area could be different. I did work with people who were rehoused after a relationship split, worked with 16-25s but sometimes up to 30 years old. But most of them had to go into homeless hostels or projects first. I think the OP would only get rehoused quickly if an area had discretionary housing, perhaps in areas that were very hard to let and had voids.

    I do think he needs to speak to a local housing office asap. And not leave the family home until he has somewhere else to go.
    As you say depending on the area, getting temporary accom in a homeless hostel is difficult due to the lack of spaces in a short term project. There is always turn up on the evening type of hostels, but they are usually oversubscribed and not very nice. The younger ones under 25 it is usually easier as I know many areas have special night stop projects within people's private homes, who get payments for their services. Due to cuts in local services and funding the council do not seem to have any stock. It is always an idea to present as being homeless at the local council offices, but be prepared to be turned away.
  • In my local area, a single person wouldn't even be accepted onto the list. They don't even accept overcrowding unless they are assed as needing at least two extra bedrooms (and bumped a few thousand off the register last April to that effect).

    Assume nothing. Get legal advice.
    I could dream to wide extremes, I could do or die: I could yawn and be withdrawn and watch the world go by.
    colinw wrote: »
    Yup you are officially Rock n Roll :D
  • Padstow
    Padstow Posts: 1,040 Forumite
    I work with homeless adults and I would say that the Local authority does not have the duty to re-home you in an emergency unless you have been a victim of DV or have any disability.
    Well that's something we would never have known. Thanks for the knowledge.
  • Padstow
    Padstow Posts: 1,040 Forumite
    I have suggested we sell the house, settle any outstanding debts and divide whats left 50/50. She has said she will NOT leave the kids homeless and refuses to move into a council house. I have told her she can private rent but she again refuses to sell the house. She wont be able to buy me out either so money from the house doesnt seem an option at the minute and I need to be out asap and I dont really want to pay bonds etc on the credit card as I will just end up further into debt. What to do...what to do!
    Not going to be 50/50.
  • Padstow wrote: »
    Well that's something we would never have known. Thanks for the knowledge.

    You need to be deemed as being vulnerable, but they do investigate. Usually when you present yourself as being homeless you have to have a local connection except if you are fleeing dv you can approach any LA , they will investigate and you need to be at risk from harm. They do check to see if you have made a referral to the local dv team and there is evidence from the police. They have a duty to under 18s and also care leavers until they're 21.
  • There has never been any violence or any thing like that. Things are just becoming awkward at home and the longer I leave it the more it effects the family. I have read the comments and I have taken it all in. I guess the way forward is to save enough to pay for a deposit etc and do it that way around.
  • paulineb_2
    paulineb_2 Posts: 6,489 Forumite
    There has never been any violence or any thing like that. Things are just becoming awkward at home and the longer I leave it the more it effects the family. I have read the comments and I have taken it all in. I guess the way forward is to save enough to pay for a deposit etc and do it that way around.

    And get some proper legal advice as well.
  • sillysid
    sillysid Posts: 69 Forumite
    sorry to hear of your troubles,and I haven't any advice - however if you are unemployed and your wife can't afford the mortgage on her own - how can she or you afford current property? Wouldn't it have to be sold? All the best to you and your family
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