Order for sale, now threat of repossession

SouthCoast

In the past it has not been cost effective to use a charging order for smaller personal debts.

As individual personal debt is now at record levels, they will be increasingly used in the future.

woozle70

Snooze wrote: »

:rolleyes:

Any sympathy I had for you disappeared straight out of the window as soon as I read that.

You claim to have this "serious and chronic illness making it impossible to work" but yet you can clearly bash out posts in well-written English on internet forums without any problem so you could also do data-input work from home quite easily. :rolleyes:

Another one who simply doesn't want to work and expects to live a lifestyle beyond their means. No sympathy.

Rob

Thank you for your compliments on my well-written english.

Work from home is hard to find and contrary to what you believe I desperately want to work and over the past few years have done a few part-time jobs and been unable to hold them down. It does not deter me from trying again a few months later. Currently, I am trying (with nobody to care for me or help at home as my husband works long hours) to care for myself, do bits of housework and deal with the endless queries and paperwork that comes into the house regarding the CSA and our recent debt problems. I have had to attend court appearances, in addition to my frequent hospital appointments. It is taking its toll on me but my husband does not want to stop working aswell to relieve the pressure as we do not wish to live off the state. He could easily throw in the towel and care for me and we would have our mortgage paid.

We are not living beyond our means. We are attempting to pay for a roof over our heads our household bills, food etc and support two children from my husband's previous relationship. As I said we are not entitled to social housing until we are literally on the streets as we are homeowners. Rent is no cheaper than our mortgage so if we had been renting we would now be in rent arrears.

I have spent a good proportion of my adult life hospitalized and it was thought I would never be able to go outside unsupervised, cook and feed myself and other things that people take for granted. Against the odds I have recovered sufficiently to not need 24 hour care. Because I am ill does not make me brainless.

woozle70

penguin83 wrote: »

Woozle - your original question asked about dropping the price. You can make an application to the court using form N244 to ask to lower the asking price. There will be a £75.00 court fee or £40.00 if you can get the other side to agree to it. Depending on your circumstances you may be entitled to fee remission - have a look at this leaflet for more info. The court will then list it for a hearing where you can explain the situation but ultimately it is the judges decision.

As an aside charging orders have always been a common method of securing a CCJ it just seems that more people are talking about them now x x

x x

Thank you for that information penguin.

puddy

how would you get your mortgage paid if you were on benefits?

woozle70

jenner wrote: »

how would you get your mortgage paid if you were on benefits?

I believe if we claimed income support housing benefit may be able to help with interest payments in the short term until we have sold and could then help with the rent.

PasturesNew

jenner wrote: »

how would you get your mortgage paid if you were on benefits?

There is some limited help available for mortgages through the benefits system.

These tend to be in the categories:
1] After 9 months of being on benefits, interest only may be paid in some circumstances. Probably for a limited time, I've no idea.
2] In cases of abandonment, some interest payments may be paid before the 9 months is up.

It's certainly not something that many people can get and if you've gone 9 months of not working but still paying your mortgage (or trying to/not) then it's usually too little/too late.

I don't know the details, just that sketchy outline.

PasturesNew

Snooze wrote: »

You claim to have this "serious and chronic illness making it impossible to work" but yet you can clearly bash out posts in well-written English on internet forums without any problem so you could also do data-input work from home quite easily.

Your response to that poster, imho, was erroneous for the following reasons:

I earn my living, online, in this manner and, like everything in life, it isn't what it's made out to be.

Yes, I do well. Yes, I earn a good full-time living doing it. However, I have the skills to know what's what and the interest/desire to do it. There are very few actual/real data entry jobs working from home. Think it through... who would really want that doing and how would the work arrive? Yes, there are some genuine jobs doing this, in the realms of freelancing. The usual adverts for this type of work are something actually entirely different and really involve you investing (yes, paying) more money out to advertise products that others produce in the hope that one of your adverts produces a sale for them.

It's really your own business/self-employment, taking some effort and time and money. Or, as a freelancer, having the skills/software to understand the requirement and undertake the individual jobs as they come in. They might, for example, be to visit 1000 websites of a certain sort and get the contact information from them, then copy/paste that into a spreadsheet and send it back to the company who needs the job doing.

Like any business, you have to spend quite a bit of time working out how to get the work and then the skills/software/aptitude to do it.

Yes, there is money to be made from simply writing online, such as I am writing right now. I know all about those too (I do a few, should do more but I'm inherently lazy I guess. I shouldn't be here at all. I should be working on one of my sites really). But if I had a list of 100 people here right now that said they wanted to do it, and I spent the next 2 days going through it all with them, explaining everything and checking what they're doing/how they're thinking, the reality is only one would actually give it a go and keep it up. Especially as mostly you see nothing for your huge efforts in the first 3-4 months. How many people can keep plugging away for 15 hours/day at something without much of a sign they will ever get anywhere with it? Not many.

None of it actually is ever a job where you get a job and are paid an hourly rate to do it for X hours.

As for having a disability, many people are unemployable because each day they don't know how they are going to be when they wake up. And employers can't schedule that into their rotas. Today, they might be fine. Tomorrow, they might wake up and find that their disability has kicked in and they can't move, can't walk, can't move their arm, can't see ... whatever their condition dictates.

It's easy to say "somebody in a wheelchair can answer phones" for example. But being in a wheelchair is one type of disability - that is generally pretty stable. There are other unstable disabilities. Employers do not want the hassle of never knowing if a staff member will be coming in, or leaving early. Or will have a hospital appointment. There are no jobs where you turn up when you are able. Unless you can think of one.

puddy

so what are the circumstances that someone can get their interest paid whilst on benefits? i didnt know this

PasturesNew

jenner wrote: »

so what are the circumstances that someone can get their interest paid whilst on benefits? i didnt know this

http://www.jobcentreplus.gov.uk/JCP/Partners/Allowancesandbenefits/Dev_010056.xml.html

puddy

that link is very useful. if the op has disability benefit, they will get help after 8 weeks even though it sounds like their mortgage was taken out after 1995. if theres no disability or carers allowance, i think its a 9 months wait, its also limited to 100k mortgage, so anything over that, the interest wont be paid