Hi
i hope someone can help me, my husband is due to have his house repossessed,we moved out of it in Aug 2012 as we had fallen behind with mortgage payments due to him being made redundant a few times,the house is solely in his name and we split up briefly due to the stress of it all but are now back together.
he also has other debts in his name ie credit cards,loans etc which he has been unable to pay, he entered into an IVA in july 2008 but had to end it in 2010 due to him losing his job.
we are now renting a house but was just wondering how long we have to wait until we can claim housing benefit and council tax benefit once the house has been repossessed as his wage is the lowest wage he has ever earned, he is intending to go bankrupt as he has no means of paying back anything he owes,but when is the best time to do that?
Also, i have beenon Incapacity benefit since 2001 suffering with arthritis and depression and was moved over to ESA in june 2012 and i am waiting to appeal the decision but have been told that even if I win the appeal i probably wont be able to get it anyway as its an income related benefit and my husband works, please, please can someone help me as I am a nervous wreck, we are a young family with 3 children aged under 10 and really struggling, i myself have catalogues and credit cards and i will need to sort these out too once my ESA ends in May
thank you
i hope someone can help me, my husband is due to have his house repossessed,we moved out of it in Aug 2012 as we had fallen behind with mortgage payments due to him being made redundant a few times,the house is solely in his name and we split up briefly due to the stress of it all but are now back together.
he also has other debts in his name ie credit cards,loans etc which he has been unable to pay, he entered into an IVA in july 2008 but had to end it in 2010 due to him losing his job.
we are now renting a house but was just wondering how long we have to wait until we can claim housing benefit and council tax benefit once the house has been repossessed as his wage is the lowest wage he has ever earned, he is intending to go bankrupt as he has no means of paying back anything he owes,but when is the best time to do that?
Also, i have beenon Incapacity benefit since 2001 suffering with arthritis and depression and was moved over to ESA in june 2012 and i am waiting to appeal the decision but have been told that even if I win the appeal i probably wont be able to get it anyway as its an income related benefit and my husband works, please, please can someone help me as I am a nervous wreck, we are a young family with 3 children aged under 10 and really struggling, i myself have catalogues and credit cards and i will need to sort these out too once my ESA ends in May
thank you