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house repossession

2 replies

Babyramone · 04/05/2007 08:58

MY mum has recently been diagnosed with a rare from of early onset dementia. She is only 58.
Anyway the problem has been going on for some time and she had to leave her work. She has some benefits but due to live in partner isn't intitled to income support or any thing much. FWIW he works but dioesn't contribute much, she basically kept him while she had a wage.
Anyway she has mortgage arrears of over £5000 and the banks now threatening to repossess.
My sister and my mums partner have POWER OF ATTORNEY on the financial side and the partner was supposed to be helping sort things and see what's what
Instead he has done nothing and now we have the panic of sorting out.
My sister is taking her to see an advise shop today but deos anyone have any tips how we can get her out of mess.
Neither of us can afford to help and her own father(87) has bailled her out countless times before so unfair to involve him.
One of the reasons she doesn't get the income support is partner and her told Benefit office that he paid £60 per week as they thought this wasa hardly anything ang wouldn't affect outcome. Well it did and he doesn't give her anything just buys the food fronm reduced section.

OP posts:
Freckle · 04/05/2007 09:01

To be honest, it might well be better for your mum's house to be repossessed in these circumstances. She might then be able to be rehoused by the local authority (her medical problems would give her some priority) and then she may be eligible for housing benefit, which is paid direct to landlord, so no danger of getting into arrears. But she should get rid of partner first as he seems like a millstone round her neck.

Is there much equity in the property?

Babyramone · 04/05/2007 09:56

Hi thanks.
Agree that's prob best way. The house cost £58,000 and had deposit of £30,000 on it (gift from her father)is now worth £150,000ish.
Unfortunatly she thinks the partner is most wonderful human being on earth.
She still has that dreamy look when speaking about him (7 years on), wont hear a bad word against him and puts him before her grand children. I used to have to not tell my wee boy she was coming to see him cause 9/10 she cancel at last minute because partner decided wanted to do something else. As for the rest of us no one likes him. At first I thought it was my sister and I being awkward but even her neighbours think he's a knob.
The mad thing is she went through this with my father who is an alcoholic(we had baliffs round when I was 16) She managed to keep everything together.
Feel so sad she's in such a mess.

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