Applying for Universal Credit

[mummybearsolo]

Wondering if anyone had any advice. I'm a single mum to 2 young girls and the younger (9 months) is registered disabled. Because she has quite a lot of health problems and many appointments, I am unable to return to work. I'm wanting to apply for Universal Credit, however I have a joint mortgage with my abusive ex, who is now living in the house and refusing to sell. The mortgage hasn't been paid in over 12 months and it has been referred to the litigation team for repossession, but I'm told this can take years!! Is there a way that the second property can be exempt so that I can claim UC? as it is counted as 'savings & investments'. Or would it be better to just count my losses and get my name taken off the mortgage? I can't afford legal advice or solicitors so I'm getting a bit desperate. Thanks xx

Better to contact Citzens Advice

There are a lot of knowledgeable people on the Money Saving Expert Forum benefits session - try there too

Citizens Advice can talk to you about the benefits side of this. Capital can be disregarded and they can look at the detail. It sounds like you are trying to sell the property.

Ic your ex was/is abusive then you might be entitled to legal aid in relation to ownership of the property.

Thank you for your replies. I'll make an appointment with citizens advice. I was just worried about UC application as it says you can't claim if savings over £6000 (is that right?) I wanted to put the house up for sale last year when I was living in it, but he refused. I had to move out and relocate back to family for support and he moved back in the same day 🤬. It's just another way of trying to control me, so I just want to cut ties.