fuming for friend = Housing benefit V morgage payments

[thekidsrule]

Hi,this does not effect me but a very close friend of mine

will try to keep brief and to the point

friend has 4dcs,age 3,5,8 and 13,she has been with her partner 16yrs,has worked,bought a home together etc etc

she has found out the last week that he has been having an affair on/off for last 5months,she had suspisions and finally admitted it only when other women rang her (nice) hes said all the normal he dosent want OW,its over,everybody does it (do they) blah blah blah

anyway she has kicked him out,kids devastated,she is but says no way can she take him back,anyway ive been helping her get benefits sorted,buying some shopping (left her overdrawn) generally trying to help

spoke to income support and that wont be a problem,but because she has a morgage and he is on the morgage

1, they say she will have to wait 13wks before they help

2, they will only pay £100 when her morgage is £400,her parner is supposed to make up rest

3, her partner hardly works so cant see that happening as his work has slowed alot due to recession,and if he went onto JSA there no way he could pay it,NO income payment protection

but if she rented they would pay upto approx 750 / 800 pcm for here straight away,its madness they wont really help with her housing because its a morgage but if she rents they will and straight away

I think its disgusting,it wasnt her kids or her fault her partner is a twat,where is the logic in these decisions they make,so now not only has her relationship failed,kids in bits,the only home theyve known could be lost

am i unreasonable to be so cross about this

and hopefully people that think benefits come easy please take note,they dont

Ex h didnt pay the mortgage as he had become a complete twat and lost his job and hung around with kids,hardly mine or the childrens fault,i increased my hours but my job involved overnight,late,early and weekend work so very hard to get childcare.

will take her to building society tomorrow and have a chat,shes new to all this (no some people have no idea how the system works)

yes the ex should pay but from my experience few do and stick to it

So if the govt paid your mortgage until your house was sold ledkr, and upon selling, you made £50/100K profit, who would pocket the profit?

Even if there had been no affair it sounds as though they were in financial shit anyway.

If he's not working then he can certainly do childcare, or is that not an option?

Life is hard that's for sure. I haven't married a wealthy man either. Curses.

Housing benefit pays the landlords mortgage so i really dont see why she shouldn't get help towards her mortgage, even if its just paying the interest from day 1. If she has to wait 13 weeks before getting any assistance chances are she will have missed 3 mortgage payments worsening her financial situation.

So you are asking the govt to pick up the slack where her ex doesn't bother then??

If that was me, I'd be seeking legal advice to see if I could make sure ex got a reduced amount of money should I sell, in line with what he has paid, if I was to pay it all myself from now until the mortgage was paid off and I would pay it myself. That's just me though. It might be tight, I agree, but the house would still belong to your friend OP.

Happened to me too.... But we were in military quarters so I HAD to leave ( 4 dc also) so I had to go to a homeless hostel until rehoused

It sounds as though even before all this, her husband was a lazy fucker who couldn't be bothered to work much and the family relied on state money to pay for them then.

little as i said,provision should be made for the home owner to eventually pay back the money from profits when the house is sold,if the mortgage cant be paid long term then the house would need to be sold.This used to happen with legal aid. Also isnt someone who is having their rent paid benefiting from not having to pay their rent?Thus being able to "pocket" more of their other income.

ledkr,sounds similar

coulnt they put a charge on the house,that would be fairer,and not another family on the streets,and cheaper would of thought

as ive said been in similar position myself,things were slightly different morgage didnt have long to run,only 2 kids,but at the time its crap,im very lucky now but thats another thread

Id have rather left and started a fresh rather than be left with a mortgage and house to maintain but id have been penalised for making myself voluntarily homeless,you cant win.

Littlemiss think of it as emergency replacement mortgage. Who normally keeps the profit? The mortgagee. It could be a condition that a % went back to the State, if people find it too generous.

callmers,state money oh yes c benefit and a little tax credit,like most of the country then

what a comment

pay a decent wage and most wouldnt need a top up.

Im not lucky,i had to go to interest only,cancell paying my pension to save money,i am now 44 with a mortgage i will never be able to pay off and nothing for the future. I have always worked hard even through cancer so am not a scrounger,i just pysically could not make one wage pay what 2 used to.

callmers,i apologise have re read your comment and jumped in to quick

You said her husband is a lazy sod who doesn't do much work op

Low wages are a separate issue. And yes I agree that minimum wage should be far higher and there should be a much greater differential between minimum wage and benefits.

However, even if that were the case, this guy would be still be a lazy sod. Why should the state pay for a couple where one is at home and the other does 'a bit of work but not much'?!!

Ok op- cross posts there

nowadays you cant win,whether your in social housing (your rents to cheap) or you have a morgage (arent you lucky etc)

sad times

If you think the govt should pay interest on mortgages when the homeowners are on means tested benefits, is your main problem that the govt doesn't pay from day 1, or is it because you think it should be the same rules as tenants of a rented property, ie: the govt should pay mortgages up to the same amount as they would pay on rent every month??

I don't understand most of this thread. Personally I'd rather help pay someone's mortgage than have them costing the taxpayer more by renting.

Littlemiss If only divorce law was that easy,unless you have the money for a long fight its very cut and dry and the courts dont want to listen to the whys and wherefores.I was even told that ex may get a better award than me as i was working in a stable job an he wasnt.I had all the children btw. Its shocking and very unfair. How about people who had their rents paid by hb snd then later bought their house under right to buy?? Who got the profit then?

he used to be a hard worker,done very well at one point from, a terrible start as a youngster,met my friend she seemed to give him the drive and security he needed,was always a good provider up till the last year or so,his work (building has been dire) but he seems to have regressed into being a teenager,a real shame as he really seemed to have made a go of things through crap beginings

Am horrified by the lack of compassion on this thread. The poor woman has just discovered her partner is sleeping with someone else. She is probably reeling.

State support is supposed to be for everyone who needs it. Presumably if she was paying a mortgage, she is/was a taxpayer, so has paid into this system. Not too much to expect a bit of support in her hour of need. The state should imo give a bit of assistance - it will cost them less than hb. It would be nice if the stability of her children's home could be maintained while they deal with the upheaval of their father being a nasty git.

All those saying it was her decision to throw him out so tough luck - words fail me. This is not the 1950's - women shouldn't have to put up with it, because they can't financially afford not to.

OP, tell your friend to see a solicitor asap. Contact local housing associations and see if they will consider buying the house and renting it back to her. If she has a credit card where her partner is the primary card holder and she is the secondary card holder (therefore he is liable for the bill), could she use it for essentials (maybe the mortgage, this month) to give her a bit of breathing space, until she gets sorted.

I'd also consider putting the house on the market, and contacting the mortgage company to see if they will give her a payment holiday.

Sorry, But if they didn't have payment protection then its their own fault

i think they should pay from day 1 and the intrest to be paid for a period of time,most people have repayment so they would still be making it up