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About to be homeless, life in ruins - please help!

96 replies

PanicStations2014 · 23/07/2014 12:26

Apologies for the over-dramatic title but it unfortunately describes my situation pretty accurately right now. I am posting here as it gets the most traffic (am I right?) and quite frankly, I need a kick up the arse! This will be long - sorry.

I am basically in a world of shit right now: I have been living with my (now ex) partner and in-laws since last Autumn, since we both got made redundant last summer and could no longer afford our rental property. I have only managed to find sporadic temp work since and exP was out of work for a staggering SEVEN months (unheard of for him), but has been in regular full-time work since February. It is still contracting though, so not 100% stable.

I have a DS of 12 from a prior relationship and a DD of 2 from current/exP, both living with us and both fantastic kids, truly. I am also almost 6 months pregnant, due to a spectacular contraceptive failure at the beginning of the year (no one quite knows when). We have all been sleeping/living in one average sized double room and sharing the kitchen and bathroom. Although in-laws have been very kind to welcome us and I am grateful for the roof over our heads, it has been a very difficult existence to be honest.

Upon discovering I was pregnant, ex-P tried to pressure me into getting an abortion. I was not thrilled with the timing of being pregnant myself but I just couldn't go through with it (I lost a baby 11 years ago at about 19 weeks - this may be why). Perhaps I was selfish not to terminate? I dare say so. As a result, ex-P split with me, saying he would "see and support the kid" but was fed up of all my disasters and was done with me. He has implied I got pregnant deliberately (not true)!!! So we have been living in the same house/ same ROOM since early April, as a separated couple. It has been a living hell.

Relationship with now exP has been quite frankly awful anyway since my pregnancy with our DD. He is very emotionally abusive and can be cruel. He has also been violent in the past but not for some time (I think his behaviour has improved now that DD is getting older). My DS is unaware of ex-P's behaviour, as he seems to hold it in for every-other-weekend when my DS stays over at his dad's. He does not yet know we have split. Hardly anyone knows! This is one saving grace.

Ex-P and his parents decided in June that they wanted me and the kids to approach the council to "get a council house" as they put it. They basically gave me a date to get out by (17th). I can't really blame them for not wanting to put up with this situation any longer, so I did. The council bargained for them to let me stay for 5 more weeks, on the proviso that I went out and searched for a private rental that accepts housing benefit (which they would then pay for, along with the deposit). I was relieved to hear that and set about looking high and low. I am not kidding when I tell you I have done over 800 miles in my car in just over a month!!! Every estate agent in a 50 mile radius must have my details and it hasn't been easy, being pregnant and trying to keep my toddler DD from getting fractious going in and out of these places. Most agents/landlords are not accepting DSS at all now, so a lot of these visits have been futile.

Never-the-less, I was offered just ONE property in all this time. It was slightly more than housing benefit were willing to pay (benefit cap) but my ex-P was willing to top up (so as to keep the kids nearby) and my dad agreed to be my guarantor. It was agreed in theory.

I found said property in the 1st of July. Myself and the estate agent kept in touch regularly and we continually phoned/emailed the council and in particular, the woman assigned to deal with my case every couple of days or so but she just continually outright ignored us both. It was only on the 17th of July, after I threatened to complain, that the council got back to the estate agent about letting me the property, by which point the landlady of the property had decided enough was enough and let the house out to a private renter. The day before. I am heartbroken - this was my only chance to get housed and they completely fucked it up for me - either by incompetence or corruption. I have kept a paper trail on the bastards though.

I have put in an official complaint, but the bottom line is that I have to be out of the house by Friday. (Was originally supposed to be today)! There is no one else that can take us in. The council have said I am to present myself to them on Friday at 2pm and they will put me in temporary emergency accommodation. But they warned me that this could be anywhere in the country and was unlikely to be nearby. Apparently the Midlands or up north is a possibility (I am currently in London). I have also been told that if I refuse the accommodation, that the council have no obligation to help me. Ever again.

I don't mean to be rude or ungrateful, but I cannot just up and leave my area! My son is at school locally and spends every-other-weekend with his dad and although his dad can't have him full time (he works mostly nights), we are amicable and I do not want to deprive them of a regular relationship with each other and I cannot afford to travel long distances if I'm up north. Despite my tense relationship with ex-P, I also do not think it's right that he should lose all access to his DD. I am under consultant care at my local hospital for blood issues during this pregnancy - what about that also?! This is the council's fuck up and now they've got me backed into a corner and are refusing to help me unless I pack up my life and do what they say! I have a life here and so do my kids - I don't mind moving a county or two out but 100's of miles away? No way! Why are they punishing us for their incompetence?! The outcome of my complaint won't even be heard until the 4th August, by which point I'll be gone! Here's the joke: it arrives in letter form! At what address?!?!?!

Please mumsnetters - what the hell do I do?! Sad

OP posts:
PanicStations2014 · 24/07/2014 00:05

Maddening - thanks for the links, but unfortunately the second one is only a bedsit and by the looks of the first one, I think they've probably misprinted the price - it's more likely to be £645 a WEEK than a month for a 4 bed in Battersea. I shit you not!!! Grin

OP posts:
TurboWithAKick · 24/07/2014 00:06

Can you get round it by looking for a 2 bed with a dining room ( which you could say will be third bedroom) ... Think it's correct term is 'parlour house'

maddening · 24/07/2014 00:11

Have you calculated how much you will get benefits wise and maintenance wise once dc is born? It might be you could do £50 and exp £150 to make the shortfall? Would your dad help?

ThatWasNice · 24/07/2014 00:11

What about getting one of the kids to live with their father temporarily while you flat search and getting a two bed after then moving the child back in with you?

PanicStations2014 · 24/07/2014 00:16

Good plan Turbo - but I actually asked about that for a place in Potters Bar! Was lovely as well! But the bastards were wise to it and said they'd only pay out the two bedroom rate. Grrrrr..! It was actually available to DSS claimants in the end but I thought I'd ask them anyway!

OP posts:
PanicStations2014 · 24/07/2014 00:16

*wasn't actually available.

OP posts:
JassyRadlett · 24/07/2014 00:18

Jeggings, it's the Parliamentary recess. Six weeks where most MPs not in ludicrously safe seats will be trying to demonstrate to their constituents just how valuable they are, 10 months out from an election. In my experience most MPs take constituency casework really seriously.

OP - it sounds like you've had some brilliant advice on this thread but moreover you are hugely motivated to help yourself and your kids despite everything. I have nothing useful to add as you're already doing so much, but I just wanted to say that I think you're pretty impressive.

PanicStations2014 · 24/07/2014 00:21

Maddening - the place I found in Waltham Abbey was for £1200 a month. Ex-P said that £250-£300 was probably the max he could go with his earnings for a top up and the council were dubious about it being such a high top up (but did agree)! They told me at first to look in the £1000 range (they only pay out £950) but the £1200 was the only place that offered it.

ThatWasNice - I wish that was an option, but working hours of both dads dictate otherwise. If either were to lose their income at having to muck work around and stay with the kids (when I'm supposed to be the primary carer), well that would be no good to any of us either! Sad

OP posts:
PanicStations2014 · 24/07/2014 00:25

Thank you so much Jassy! Thanks You are very kind! What is they say? "When you are going through hell, keep going..." Grin

OP posts:
ThatWasNice · 24/07/2014 00:43

Panic. My suggestion for one of the kids to live with their Dad was only meant to be a temporary situation, ie until you move IYSWIM. It would not make any difference except on paper but would allow you to look for a 2 bed flat. I don't know how it would affect your benefits though.

I'm not sure I've explained that well.

bedraggledmumoftwo · 24/07/2014 16:14

Op, do any letting agents take hb or is it a case of finding a friendly private landlord.

i just had a look on rightmove for Stevenage, one of the places you mentioned, and there seemed to be lots within your price range- is it simply that noone takes dss?

TurboWithAKick · 24/07/2014 16:21

If a landlord advertises on right move I doubt they would accept HB ...

bedraggledmumoftwo · 24/07/2014 16:32

They must be missing a trick there then, as there are a number of 3beds below the 950 the op mentioned. Surely they could charge 950, but accept hb and benefit overall. Although someone mentioned upthread that there might be a clause against it in the btl mortgage.

TurboWithAKick · 24/07/2014 16:35

Yes, landlords insurance doesn't always extend to HB claimants

Alita7 · 24/07/2014 16:50

You're not supposed to be in emergency accommodation more than 6 weeks.

Present yourself as homeless it's all you can do!

They usually tell you that you could be placed anywhere to scare away anyone who is abusing the service, In reality they normally place you with your county. My friend was warned this and she got placed within our town. So you may be ok!

Doubtfuldaphne · 24/07/2014 16:51

Just a thought but do you have to tell the agents or landlords you are on housing benefit? I don't see why they need to know. The rent gets paid directly to you (albeit four weeks in arrears) so as long as you have the first months rent upfront (which you are eventually reimbursed) you don't have to say you are in receipt of housing benefit.
The housing benefit goes in before the rents due as you're always a month ahead.

TurboWithAKick · 24/07/2014 16:52

Et, that would invalidate insurance.... Who could be comfortable doing that?

Alita7 · 24/07/2014 18:17

Often private landlords directly ask. And if the deposit is being paid by the council then they will probably want to pay directly to the landlord.

Amberjane41 · 24/07/2014 18:25

What happens if you rent a place as a working person and then lose your job and go on hb, does that invalidate insurance? I think it's terrible that people can't rent a house due to an insurance companies say so :-(

Damnautocorrect · 24/07/2014 18:25

You need to provide a reference from work, and proof of income to check you can afford it not claiming benefit

bedraggledmumoftwo · 28/07/2014 07:19

Update,op? What happened on friday-did you get sent miles away?

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