I need major help

5 Posts

So this is my story when covid hit i was a self employed builder, when we was in the lockdown i was unable to work not entitled to furlough nothing i rose alot of rent arrears electric gas council tax etc now then my ex partner left me as a single parent i had to take the kids on which i did claim benefits for my youngest is disabled and needs care 24/7 so was unable to go back to work, my rent arrears are over £1600 as i tried and tried to pay back as much as i could out of benefits same with gas & electric, and council tax but now im stuck my landlord wants to evict me hes been so nice with me but i think he has had enough now which is understandable i get that the council helped me clear £600 off it but cudnt do no more. I have hospital trips weekly with my youngest she has an operation coming up which requires more hospital trips (taxis) as she is unable to walk i pay out of my benefits but do claim it back but takes along time i am just so far behind and my landlord wanting to evict me is going to be tough as i have no where else to go with 3 kids. Life is so tough it really has gotten me so depressed i did make a crowdfunding page to see if anyone could help but i cannot post it anywhere i am just at the end now where i dont know what to do we are walking to 2 miles to foodbanks and back but its a struggle with my daughters disability please can anyone advise what i can do?
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As a basic quick response to your post, a DRO (Debt relief order) would probably take care of all your debts, but you will still face eviction unfortunately.
Are you claiming all the benefits you are entitled too? can you find work of any kind?
Have you tried to get help from any of the available emergency funds?
I mean the debt is the easy part to solve, solutions have existed to deal with problem debt no matter how much it may be, for a very long time, all you have to do is make the application, take advice from one of the debt charities in my signature, once you get your housing situation sorted, as that is the priority here.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
You have to use a recognised debt agency to access that fee support, and you need a competent authority to apply for the DRO.
If you contact any of the free debt advice organisations in sourcrates' signature, they should tick both boxes and be able to sort out the fees for you.
Have you got a S21 notice to quit? Or is it S8 for arrears? It is important as they have different timelines.
And if it's S8, is the current arrears more than 2 month's rent?
Oh and are you claiming CMS, even if it's only a little bit?
As above, Shelter or Citizens Advice can assist or advocate for you. You will be a priority due to your children and you will get some support. It may be that they offer you what is called Temporary Accommodation which can be for years, depending on where in the country you are. Depending on availability of Temporary Accommodation, it may be that you need to move further from your children's school. However, as your daughter has medical needs, you can ask to remain in your local area too and if you get an advocate they can lean on that. However, it is in the Homelessness Code of Guidance which available online, that Housing will take all circumstances into account. But there is always their discretion, which is usually because there is not accommodation available in your area.
It's a long road to being offered your own council property simply due to oversubscribed resources.
Please do not accept that the council can't help you. They can and have a duty to.