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Lone parents

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Original poster

benefits, am i entitled to anything else?

8 replies

EmilyD · 27/03/2006 14:19

My husband announced in february that he didn't want "this" anymore, i.e responsiblity of young toddler and wife and wanted to live on his own but unfortunately due to mortgage etc etc we cannot afford for him to move out until our house is sold and currently no interest.

When he is out what if anything am i entitled to in addition to working tax and child tax credits. I work full time, don't earn a massive amount and son is in nursery full time. Am i entitled to a reduction in council tax or help to pay mortgage. All i will get from my delightful husband (soon to be ex) is £172 a month in child maintenance?

Any help would be much appreciated.

OP posts:
pepperpots · 27/03/2006 14:29

you should get single persons discount on council tax which i believe at the moment is 25% i don't think yiu will get help with your mortgage unless you are on a benefit such as income support and even then you have to be on it for 26+ weeks Shock is the house in joint name? if so then you xp will have to pay half until you sell the house. This is what my xp done before the house was sold. Have you seen a solicitor yet?

Original poster
EmilyD · 27/03/2006 14:51

I've seen a solicitor, the problem is it is getting unbearable to have him living in the house and ideally i would like him out now but he would not be able to afford to rent somewhere and pay half my mortgage etc and other things, but then i suppose that isn't my problem. The mortgage is in joint names.

OP posts:
cece · 27/03/2006 14:53

I thought if you were married and had kids then you were able to stay in the marital home till your child was 16 or 18 or something.....

cece · 27/03/2006 14:55

How was the £172 a month worked out. Sounds like it will barely cover child care costs. Think you may be entitled to more than that surely?

pepperpots · 27/03/2006 14:56

I went to see a solicitor and he said in all honesty although he is legally bound to pay the mortgage (at least his share) he can (and in my case will) just stop paying Angry Unfortunatley mortgage companies aren't very sympathetic they just want there money regardless of who pays it. Could you afford to buy him out of the house?

pepperpots · 27/03/2006 14:58

child maintenance is worked out by the amount they earn per wekk after tax an ni. My xp is supposed to pay me 76 pound a week for 2 children which works out 304 a month

butty · 27/03/2006 15:02

Hi,

was just wondering if you have mortgage protection???

When i was struggling for money to pay my mortgage, they reduced the rate and froze the interest for 6 months (well 15 months all in all)

I should have paid £474 a month, but they accepted £250 per month.

It would be an idea to talk to your mortgage company and explain the situation and also let them no that you are intending to sell, then ask if they could possibly reduce the payments and capitilise it till when the house is sold, then reduce your ex'es cut so you dont lose out.

Butty.xxx

jamsam · 04/04/2006 14:38

surely with a jpb you can remortgage, buy him out and then sell ? i know it sounds alot but it might give him the kick he needs.

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