please somebody helpme

Sezzagirl

Bzee You really sound like you need someone understanding to help you out here

There are groups that support families in your situation so they might be the first point of call for advice as they will be very knowledgable having dealt with many people in your situation

https://www.gov.uk/support-for-families-friends-of-prisoners

This is a link to a gov list of groups but if you search you might be able to find something local to you or specific to your situation

Good Luck

stebiz

This isn't looking good. £1,000 a month mortgage and in arrears before he's even gone inside. That would mean you getting a job that equates to £20,000 a year just to tread water.

Do you have any equity in the house at all?

whodathunkit

stebiz wrote: »

This isn't looking good. £1,000 a month mortgage and in arrears before he's even gone inside. That would mean you getting a job that equates to £20,000 a year just to tread water.

Do you have any equity in the house at all?

Have you taken child related benefits into account - for 3 children they'd be quite substantial.

RAS

Hi bzee

Some things you need to do.

1. Check out www.turn2us.org.uk as this explains what you need to do to get financial support. You can get Mortgage Interest Support.

2. Apply to the Council for Single Person's discount and CTB.

3. Do you have anything that youy can sell to help make the next mortgage payment?

4. Speak to one of the debt charities about your finances.

5. Speak to Shelter about the housing situation.

6. Talk to your husband and consider putting the house on the market?

heartbreak_star

Some great advice here bzee. Hope you get sorted soon, good luck!

HBS x

LandyAndy

bzee wrote: »

He is in prison

I realise you may not want to say but can you tell us how long his sentence is (or is he on remand) and will you be getting back together when he is released?


Those answers might make a lot of difference to the type of advice you are given.

stebiz

whodathunkit wrote: »

Have you taken child related benefits into account - for 3 children they'd be quite substantial.

Yes. A friend of mine is on 5k a year part time. She is a single parent and this is topped up to £20,000. She has to pay her mortgage out of that.

If the Opp works at 20k then the tax credit would be reduced and I would guess she'd end up with little more than 25k. Take the Income Tax off and 12k for her mortgage it isn't looking good.

bzee

Thank you for all the replies
the mortgage is £118000 left to pay
We owe around £5000 in arrears
The house is worth aprox £180000 hopefully more

BitterAndTwisted

Get down to the JobCenter and sign on TODAY!

RAS

Ok - please speak to one of the debt charities listed here http://www.moneysavingexpert.com/loans/debt-help-plan#help

And have you checked the benefits calculator?