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Comments

  • Guy_Montag
    Guy_Montag Posts: 2,291 Forumite
    1,000 Posts Combo Breaker
    paulagallivan wrote: »
    Hiya, have been looking on this site a few days now and wonder if anyone can help!! I live in privately rented accomodation with my partner, daughter and sick mother. My partner and I recieve tax credits as I work full time and he looks after our daughter so I am currently supporting 3 adults and a child.
    I am in quite a lot of debt and my outgoings are higher than my income (debt management programme hasn't eased situation) so have been unable to pay my rent. I owe my Landlord around £2000 although I am paying him money here and there as and when I have it. I believe he is due to serve me notice and I have applied for council housing (with health grounds due to my mother have extensive surgery following a tumuour in her back passage and being unable to get in the bath since leaving hospital 5 weeks ago). My credit rating is non existant so I would be unable to get a loan or find a deposit for another privately rented house and still wont be able to afford the rent.
    Does anyone know anything that would go in my favour for obtaining a council house (the right buttons to push etc.) as we are all finding the situation very difficult and are finding ourselves stuck!:eek:

    Please no abuse.....just need help desperatley! Paula, 21

    For housing - call round local housing associations. Then call the council again to see how your application is getting on & ask what will happen if you get evicted.

    Get on the debt-free wannabe board to get help sorting out your debt problems.

    Also try the benefits board to make sure you're claiming everything you should.


    Good luck (& you shouldn't use your real name) ;)
    "Mrs. Pench, you've won the car contest, would you like a triumph spitfire or 3000 in cash?" He smiled.
    Mrs. Pench took the money. "What will you do with it all? Not that it's any of my business," he giggled.
    "I think I'll become an alcoholic," said Betty.
  • BobProperty
    BobProperty Posts: 3,245 Forumite
    1,000 Posts Combo Breaker
    Firstly please duplicate this post (if you haven't already) on the DebtFreeWannabe board where you can get help for your financial situation. Something doesn't sound right about it (sorry, but that's just my opinion). Who is the Debt Management Plan with? because if it isn't one of the big two (?) charities then get out of it and swap over to one of them.
    Housing wise (which is what we are here for) why are you all living together? I don't know how it affects your chances of a council house but you are trying to house 3 generations in one house and I don't know how councils treat this (bet it varies though). Is you mum's condition chronic or temporary? Also, how will the council treat you if you get evicted? Intentionally homeless, or are they more understanding?
    A house isn't a home without a cat.
    Those are my principles. If you don't like them, I have others.
    I have writer's block - I can't begin to tell you about it.
    You told me again you preferred handsome men but for me you would make an exception.
    It's a recession when your neighbour loses his job; it's a depression when you lose yours.
  • paulagallivan
    paulagallivan Posts: 2 Newbie
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  • Catblue
    Catblue Posts: 872 Forumite
    Hi Paula,

    Sorry things are so bad at the moment.

    Are you absolutely sure that you are getting all the benefits that you are entitled to? Do you receive Carer's Allowance for looking after your mum? Does your mum receive an Attendance Allowance or Disability Living Allowance?

    If not, get yourself down to the Citizens Advice Bureau and ask them if you could qualify for these allowances. They can also help fill in the forms.

    Sorry, can't really advise you on your housing and debt matters, but I hope you get some good news soon.
  • joeblack066
    joeblack066 Posts: 1,757 Forumite
    The CAB will also help re your housing, and Shelter are also good. http://england.shelter.org.uk/home/index.cfm
    Try not to panic, you have a child and a sick adult in your household, I'm sure that there'll be help available.
  • Debt_Free_Chick
    Debt_Free_Chick Posts: 13,276 Forumite
    10,000 Posts Combo Breaker
    paulagallivan wrote: »
    The debt management plan is with Gregory Pennington

    :eek: Are they charging you? They often do!!!
    I cannot get out of the debt management plan as i am now tied to it for 5 years and it is costing me £113 a month.

    Are you sure you're stuck with GP for five years - or is it that you've agreed a five year repayment plan?

    If you can get away from GP, you should do so. Payplan, CCCS, National Debtline and CAB will help you with a debt management plan for ALL your debts - for free!!!!

    Please, please, please click below to come over to the Debt-Free Wannabe Board where you'll get loads of help and advice

    click here

    You'll need to post your budget - I assume that GP helped you to budget for all your normal bills and outgoings? List those separately from your debts & repayments. Please post on the other board - I'm sure we can help.
    Warning ..... I'm a peri-menopausal axe-wielding maniac ;)
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