Missed Mortgage Payments

ConnieSwee

Missed mortgage payments

AskAsk

to be fair, we had the lockdown in march.  so he had unemployed for 3 months before the lockdown.  it can take longer than this to find another job, and now with covid 19, it will only get harder.  unfortunately it will be a hard road ahead for you and your family.  i am not being unsympathetic, i am just simply stating the facts.

if he has not been paying the mortage since january then i am sure the bank is about to repossess the flat anyway so he can try to sell it but the bank may repossess even before he completes the sale.  the solicitors will need to contact the bank and ask that they agree for him to sell the house and it may all come to a head with the repossession.  it all depends on what he has agreed with his bank.

he won't be able to rent a property without a job as renting a property as a benefit claimant is very difficult.  i assume he is claiming benefit?

how much did you pay him monthly for the bills?

AskAsk

ConnieSwee said:

Thanks for taking time to read and reply askask, yes he's getting universal credit now. I paid £300 per month to cover half household bills plus I've always bought 90% of the groceries we consume each month too.

then that doesn't sound too unfair a contribution.  i was trying to work out if he was taking too much money from you, but it doesn't appear to be so from what you have said.

if the bank does repossess the flat and you guys need to rent a place, then you can find landlords that accept tenants on benefits.  there are not many around, but they do exist.  as you are on maternity pay, you would be considered employed by the landlord, so it would only be your husband that is unemployed.
it takes a while for the bank to repossess a property and they only do so as a last resort.  so it will be a while before it gets round to that, by which time, baby connieSwee would have arrived.  this then puts you higher on the social housing list and you guys may be able to get a countil or housing association place.

sweetsand

Dear OP
Sorry to read about you concerns. 
About selling the flat. He can sell it and there may be money left over depending on buy and sell price. There may be no money left and any shortfall, the banks would chase him for as long as they though he was not a lost cause.
IMO, if he sells up, he won't be getting social housing immediately.
If the property is repossessed as another said, be careful as he will go into much greater debts and they don't do that just for a few payments and they will sell via auction, plus costs on top.
Its a hard one
Have you though about leaving him as not telling ones OH details re bills especially when you are contributing towards them does not appear good on any level.

ATB
x

AskAsk

ConnieSwee said:

Thank you for replying again - I just feel very in the dark with no idea where things are at/what may happen next, it's hard to feel so little control over the situation.

i don't understand why your boyfriend won't tell you about his finances.  as you guys have lived together for 5 years and you are pregnant with his child, i would hardly call him your boyfriend but your partner.  a boyfriend is someone you date.  a partner is someone you are involved with more seriously, which you guys are.

has he explained why he won't tell you about the finances?  have you asked directly why he doesn't want to disclose them?

Comms69

Have you returned to work?

Morglin

Stepchange give free, non judgemental, impartial advice around debt, and he would be sensible to at least have a chat with them.  Sooner or later, it will need to be dealt with, no matter how difficult it seems.
https://www.stepchange.org/

As you are not married to him, and don’t part own the house, you might be as well to phone or Email Shelter to find out how you would stand, in the event of a repossession.  Usually, the local council would have an obligation to help you, as you have a child, but I’m not sure in these circumstances.

https://england.shelter.org.uk/get_help

sweetsand

ConnieSwee said:

Sweetsand, thanks for reading & replying - I have thought about leaving, I couldn't believe it when he quit his job when I was 4 months pregnant & he has hardly applied for any new ones since, that's now been 11 months since he last worked. I've lost count of the amount of times I've asked him to go over the bills with me so we can budget & make sure they are paid but he just won't do it. I feel powerless & keep expecting any day that bailiffs will knock on the door - I think if it wasn't for Coronavirus that would have happened by now.  He doesn't open his post so won't even know if there are any court orders etc against him at the moment.

Thank you for taking the time to reply to me.
I hope it all works out but there appears to be some big problem going on.
I'm not sure if you have family, supportive family but a heads up is to be prepared as possible
if things do go do the eviction route. Consider your options, discuss with close family if you have some
as usally blood is the best ones to talk to most of the time.
You are young and pregnant and to deal with the situ you are in is difficulty even at the best of times.
Be prepared as much as poss ie, investigate options should it come to the worse.
Easier said than done, leaving is hard but your situ sounds like it may be the best option as I don't see things improving other than false promises, by that I mean your OH will be sincere but unable to keep the promises.

ATB

x

sweetsand

Morglin said:

Stepchange give free, non judgemental, impartial advice around debt, and he would be sensible to at least have a chat with them.  Sooner or later, it will need to be dealt with, no matter how difficult it seems.
https://www.stepchange.org/

As you are not married to him, and don’t part own the house, you might be as well to phone or Email Shelter to find out how you would stand, in the event of a repossession.  Usually, the local council would have an obligation to help you, as you have a child, but I’m not sure in these circumstances.

https://england.shelter.org.uk/get_help

Good post and should investigate but first route is mum/dad if poss but be prepared as much as one can be.

CocoM2020

sweetsand said:

Morglin said:

Stepchange give free, non judgemental, impartial advice around debt, and he would be sensible to at least have a chat with them.  Sooner or later, it will need to be dealt with, no matter how difficult it seems.
https://www.stepchange.org/

As you are not married to him, and don’t part own the house, you might be as well to phone or Email Shelter to find out how you would stand, in the event of a repossession.  Usually, the local council would have an obligation to help you, as you have a child, but I’m not sure in these circumstances.

https://england.shelter.org.uk/get_help

Good post and should investigate but first route is mum/dad if poss but be prepared as much as one can be.

No no no! Do not listen to this advice and go to your Mum and Dad first. @morglin is right on the button. Also perhaps your GP or a mental health organisation as well but definitely seek advice from professionals. They are there for exactly these type of situations and know what they are talking about. 

Comms69

ConnieSwee said:

Comms69 said:

Have you returned to work?

Hi Comms69, I'm on mat leave just now until April next year.

Is it perhaps worth cutting it short and letting him care for baby if finances are tight? Or do you receive enhanced mat pay?