Page 2 | HAVE I GOT THIS CORRECT??

Alwaysme123 · 2012-10-02T11:04:14+00:00

Hello I have decided to leave hubby....we have mortgage and children I have enough money to find bond on a rented house,, so i can move out. leaving husband in the house until it is sold. Once i am in new rented accommodation i can claim for housing benefits and change any other benefits im already getting i.e child credits. when the house is sold i am entiltled to half profits... ???.??? will i really be able to claim for housing benefits? im scared tht i will move into rented house and be left with nothing and have to move back to house with hubby...

dateandwait · 02/10/2012 13:44

How old are your dc's? That makes a difference.
Take all your financial outgoings including savings statements etc, they'll need all that to make an assessment. If you can draw up a budget for them, do so. Include everything like food, clothing etc and how much you expect to pay on rent. Look around at local houses that might be suitable and see if it's viable. There are different amounts available depending on your children's age and sex (for example I have two ds's so only qualify for a two bed house as they would be expected to share a room) they base your housing benefit on that. In reality I rent a bigger house as I wanted ideally for my kids to have separate rooms, but the housing benefit is the same as if I was renting a two bed iykwim.
It's hard but I'm much better off than I was with my useless ex spending all my money.

dateandwait · 02/10/2012 13:44

How old are your dc's? That makes a difference.
Take all your financial outgoings including savings statements etc, they'll need all that to make an assessment. If you can draw up a budget for them, do so. Include everything like food, clothing etc and how much you expect to pay on rent. Look around at local houses that might be suitable and see if it's viable. There are different amounts available depending on your children's age and sex (for example I have two ds's so only qualify for a two bed house as they would be expected to share a room) they base your housing benefit on that. In reality I rent a bigger house as I wanted ideally for my kids to have separate rooms, but the housing benefit is the same as if I was renting a two bed iykwim.
It's hard but I'm much better off than I was with my useless ex spending all my money.

dateandwait · 02/10/2012 13:46

They don't change, they get worse. My x is now in more debt, jobless and our old house is a shit heap taking ages to sell.

Original poster

Alwaysme123 · 02/10/2012 13:51

iv been told id need a 3 bed because dd 11 ds 7 but to be honest i can sleeep on a sofa if we had to get a 2 bed it wouldnt bother me...
i have never done an out goings for just me and the kids, its always been as a couple.. i have been with him for 20 yrs married for 13 ... he was my first proper boyfriend.....
im going to do 1 now to take with me tmrw.

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LemonBreeland · 02/10/2012 13:58

Always do you have a job? If you have earnings that would be taken into account for HB purposes too.

Original poster

Alwaysme123 · 02/10/2012 14:05

i dont want to have to ask for help from the council, i mean nobody does do they really... but we have to get

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Original poster

Alwaysme123 · 02/10/2012 14:18

yes i do have a job only part time though

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lilachair · 02/10/2012 14:26

You should be able to get some Housing benefit and council tax benefit if you have less than 16k savings. But check what the cap on housing benefit is in your LA. sometimes it is not nearly enough to cover rent of a decent 2 bed house.

You'll get child tax credit, and if you work more than 16hrs as a single parent, you will get working tax credit as well. They will also pay for some childcare. They are really helpful on the phone so give them a call, and give them all the details of your situation.

Don't forget to factor in your Child Benefit as well.

Good luck op

wannabedomesticgoddess · 02/10/2012 14:33

Sounds like hes getting a lucky escape. My God I have never come across such an ignorant poster.

Birdsgottafly · 02/10/2012 15:01

For women fleeing abuse of any sort, HB is paid for 6 months without question.

For other circumstances, you will need advice as you will be asked why you are leaving with the children, rather than him and you would have to change all of your claim to a LP, before you claim HB.

The main family home is not counted as an asset when calculating benefits, in a seperation, but savings/income are.

If the main family home is sold and the money is being used to rehouse yourself, there is a time period that this is ignored for, whilst it is in your bank account.

You need upto date advice from a welfare rights organisation.

izzyizin · 02/10/2012 15:08

As I've remarked, advice can ony be given on the basis of the information that is made available at the time and your additional posts paint a very different picture from that which you first outlined.

From what you've said, it would appear that your h is an ignorant churl with the iq of a goldfish. If you leave the marital home it is highly unlikely that he would then see he would have to sort it out for himself and it is more likely to fall into further state of disrepair which will negatively affect its resale value, quite apart from the affect he may have on potential buyers if he's present during viewings.

I would suggest you encourage him to leave the martial home, with the assistance of a solicitor's letter or occupation Order if necessary, or cease to cohabit with him by moving into your own bedroom (your dc may have to share with you if you don't have a spare room to call your own) and petition for divorce while living under the same roof as your h which will enable you to wait until the marital home is under contract to be sold before finding alternative accomodation.

izzyizin · 02/10/2012 15:12

martial? 'marital' although, from what you've said, it may well be 'martial' in that you are in a constant state of minor skirmishes followed by battle fatigue and are unlikely to win the war until you become more proactive.

Original poster

Alwaysme123 · 02/10/2012 15:46

wannabeadomesticgoddess of course you are correct everything you do or say is amazing i am honoured you have even taken the time to read my threads..

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Original poster

Alwaysme123 · 02/10/2012 15:46

wannabeadomesticgoddess of course you are correct everything you do or say is amazing i am honoured you have even taken the time to read my threads..

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wannabedomesticgoddess · 02/10/2012 15:47

Original poster

Alwaysme123 · 02/10/2012 15:48

see i am so ignorant and stupid i posted it to u twice..

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akaemmafrost · 02/10/2012 15:52

I am with wannabe! Why are you being so rude OP?

Original poster

Alwaysme123 · 02/10/2012 15:56

ummm i think ul find that she has just called me ignorant? and that my husband will be having a lucky escape... and you call me rude for responding...

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akaemmafrost · 02/10/2012 15:59

You were rude to cogito earlier on too just for offering sound advice. Your whole manner is obnoxious quite frankly. Sorry that you're having a tough time but you asked for advice here but all your responses are rude and abrupt.

Original poster

Alwaysme123 · 02/10/2012 16:00

i was just asking if my information was correct akaemmafrost i didnt want to be insulted...
i have enough of being insulted and taken for a doormat at home dont need it on here...
thank you for everyone who has given me proper advice it has really helped me think of all the things i need to ask... and clear up the doubts i had of the facts i was given in the first place....

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ThePieWhoLovedMe · 02/10/2012 16:00

I known you are going through a rough time - but are you always this rude OP?

Original poster

Alwaysme123 · 02/10/2012 16:07

so so sad.....

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PeppermintPasty · 02/10/2012 16:16

Come on Always. FWIW I read Cogito's advice as soundly and fairly given. She strikes me as a pretty straightforward poster. Perhaps, as it's your situation, and your unhappiness, you might be feeling rather sensitive, and that's understandable. But I think in the main you'll only find people on this site who want to help you.