Being Evicted by council any advice would be. so appreciated

[helloall22]

So i have had some rent arrears and as the past year has been horrible i’ve missed the repayment plan
Ive had my life turned upside down and now im going to lose my home.
Ive been attacked in the street badly beaten up and then we lost our baby, had his little funeral, then my son was harassed by his ex girlfriend endlessly and her family she then had our house front door burned by my sons ex partner, then we were burgled, had my husband work van burnt out at night, we have been threatened by these people to drop the court cases as all have been reported to the police
Now my aunt has cancer of the liver
My kids are are scared to leave the house and dropped out of college after my daughter was threatened with a attack
So then i lost my job this week and im
beyond worried

I received a letter for a court date for a possession order by the council i have a secure tenancy.
they said they sent a notice of possesion letter a year ago.
I have misssef a couple of payments this year as i had large stomach operation and had to go on the sick and wasn’t entitled to sick pay after three months
so arrears started again. Then i got back to normal again when i started working
So then on the Beginning of march 26 was contacted to say i needed to start making payments to cover the debt
So by email i contacted the office and said i would
I did make payments for march
Then i made payments for April
and intend to make payments for may in two weeks

however in mid april she applied for the possesion order and now it’s likely i will lose my home and have no where to go plus im worried i am main carer for the person with cancer

I have emailed her over a few things but she hasn’t replied to me and even accused me of stealing housing benefits however i had to get prof from the benefits to prove i wasn’t paid anything and showed her that, that’s when she started to ignore me

can anyone offer advice or if they may have been through this the total arrears are 10months over 10 years that i have missed for different reasons

Does your DH realise that you are close to losing your home because you're behind on the rent payments? If he does, does he also know that he may be refusing additional monetary support that might help to salvage this situation just because he doesn't want to be seen to be "weak"? If that's the case, he's being pretty selfish. You are doing a lot of the heavy lifting here. It's the least he can do is find out if his disability can help your financial situation.

Could you be a live in carer for your aunt. If you can live in her property, it will be easier for you to care for her & you will have a roof over your head. I really wish l had the perfect answer for you. I wish you well

Thanks your very kind hearted xx

She has lost her agency job. She said she was a temporary mental health nurse. Which is what I took for doing bank work.
But has lost doing that. Why we do not know. Does she mean she is no longer a nurse, or just waiting for a new placement?
Bank nurses earn well by the way.

10 months is a lot- but draw up a plan for repayments and take it to the rent tribunal. Really unless you are seen as a huge problem the council will not evict you- because once you are homeless they are still responsible for finding you somewhere to live (hostel, B&B, hotel room) so as long as you present a realistic plan to pay back the arrears l think you will be fine.

It was when i was on the sick i was zero income which lead to non payments or little amounts i kept thinking i will get back into work soon am work double shifts etc to pay the rent etc but the would only have me back on a phased return losing all overtime so i was still in a low income and chose stupidly food shopping and bills prior thinking i will get this sorted out very soon as soon as im
back in my feet with work
My husbands work has been slow and he’s had to pay his staff at times over himself it’s been a hard year so issues have happened
I have always engaged with the council i never ignored them but missed a payment last month it was paid but paid a week late and i think the thought enough is enough and put the order through

That’s it, kick the OP when she’s down. She and the rest of us are aware of the arrears thanks

Im sorry about all the strife and problems you have going on. Sounds like a nightmare!
I think another poster suggested, further up the thread, but if you are a carer for your aunt, could you (and possibly the rest of your family move in with her). It would make it easier to care for her, plus, a move might give you all a bit of relief from the gang.
Good luck

Do consider moving in with your aunt if you're her main carer, do you claim carers allowance .

Did you claim sick pay or ssp when you were off sick. There are always jobs going for nurses so,good luck

She's in a council house

Don't give up your council house unless your aunt's house is somehow very secure, and you can live in it for as long as you like even after she dies. A lifetime tenancy is very precious.

Do get someone to read over and improve any messages you send. Even if it's just to improve your punctuation. While we'd all like to think writing clearly shouldn't make a difference in how you're treated, unfortunately people are biased.

You really need financial advice as well as legal advice e.g. from StepChange (do not use any private company - there are many scammers). They will explain which payments to prioritise. They can also communicate with people you owe money to. For example, bills like energy and water have tariffs for people on low income, and water can't be cut off. Rent and council tax should be highest priority.

Surely having your children and you housed and fed is more important than your husband's pride? Have a look here to see what you can get help with. https://www.entitledto.co.uk/benefits-calculator You've paid taxes, so you're entitled to these payments. If he doesn't like it he can move out - you'd probably be entitled to higher payments to help you and your children. You could get it paid into a private bank account so he doesn't even need to know (except for the PIP).

You can also ask your kids' school (if still in school) for help or to be referred to services that can help you.

By the way, when you write "My husband is terrible and against benefits" - is he terrible in other ways?

Her punctuation has nothing to do with this. Nothing

OP. Please make sure you are getting any benefit you and your husband are entitled to. If money is that tight you could potentially claim UC and you should also let the council know that you had no income at points when you were being asked to pay full rent. Please speak to CAB or welfare rights

That's what I hope too, but if a lack thereof makes messages unclear to people who decided on her housing, it can matter. We don't know what was communicated.

No one should be evicting someone because of poor punctuation

Please see if you can claim UC as well. If you are out of work - claim. You might get help with housing costs

If you are a registered nurse you can get in touch with the nurses benevolent fund and the rcn for financial help, if you trained in the UK the hospital may also have its own hardship fund.

Aww no, he is actually really lovely and kind just worked all life and I feel may have a
stigma attached to PIP but now we are facing what we are facing it is maybe time for that.
I am able to punctuate i just type quick on my phone and would sure to address people in a correct way regarding grammmer and punctuality I am aware i miss punctuality and write badly when i use my phone laziness more then anything and feel chat rooms can be informal.

However, I appreciate your advice and it may have an impact, you are correct; it’s best to try and make the best impression i can, I know that,

Not just pip. Universal credit too

OP, you’ve had some great advice on here. Citizens Advice, Shelter, and StepChange would all be able to help you get an organised repayment plan together, to address all of your key bills in a prioritised fashion.
I’m sorry your husband has been incapacitated but he really needs to engage fully with your situation. If you are entitled to benefits the organisations above could help you with that process.

I think you sound amazing. You are serving your community by working as a Mental Health Nurse. I can’t think of many jobs harder than that, and you are dealing with a lot of health/family issues as well.
The Court will see that, and your previous good record of paying your rent. They won’t want to make a family homeless when a solution can be found. I really wish you well and hope you come back to the thread with good news. 👏🏻👏🏻👏🏻

This is excellent advice except I'm not sure it's generally possible to open a UC claim without your partner knowing because it would have to be a joint claim.

It's very important you claim whatever you're entitled to. The council and the court will expect you to and will be unlikely to accept a payment plan if you don't. The same goes for any other debts you have - orgs like Stepchange can be really helpful but the first thing they will expect you to do is maximise your income.

The violence and harrassment you have been facing from your son's ex and her gang comes under the definition of domestic abuse, because they were in a relationship. For you and your family's safety you need to request an urgent 'management transfer' - info on this page:

https://england.shelter.org.uk/housing_advice/council_housing_association/tenancy_transfers

CAB is probably the best first stop because they can advise on all aspects of your situation and can refer you to other orgs if you need more specialist help. You might also be entitled to legal aid:

https://www.gov.uk/legal-aid

Best of luck, and I'm sorry some people here chose to stick the boot in. I think you've kept your cool admirably

If it’s your first possession hearing tell her you want to set up a repayment agreement. The court order can then be suspended on terms. You need to make sure it’s affordable to you but also that it’s cleared with 6 years max (the length of a valid court order) preferably less than that.

The judge will give you chance to pay, especially if it’s your first hearing.