Financial help towards mortgage?

[Seafury]

Hello, I am new here so sorry if I am posting in the wrong section!. I have just had to quit my job to care for my wife after battling depression, PTSD and panic and anxiety attacks for over 3 years. I spoke to the benefits section of our local Mental Health team and was offered an appointment on 23rd July, so I decided to go it alone to get the ball rolling. I was under the impression I was entitled to housing benefit for the intrest part of our mortgage, but for what I could understand we have to wait 9 months for help with the mortgage - by which time the house will be reposessed. I really don't think my wife could handle losing her home, we are locked into our mortgage for another 12 months so we cannot sell without huge penalties - we are totally stuck. I cannot find any information at all on the internet, especially since this isn't just a case of temporary unemployment, and I was directed here by a friend.
Thankyou in advance for reading

[Myrtle]

I got laughed at by the "nice" man who was supposed to be helping
Financial help was minimal to say the least and we did lose our home in the end.
Sincerely hope this does not happen to you.

[rosemary]

Hi Seafury and welcome to the forum.

Claiming benefits is a minefield at the best of times but after leaving employment it can be even worse.You will need proper advice for this ,as each couples' circumstances are different.

Several options.....

CarersLine is Carers UK's free advice line for carers. It is open on Wednesday and Thursday each week between 10am-12pm and 2pm-4pm. Telephone 0808 808 7777

Citizens Advice Bureau....I went from details on your profile and found the following office....hope its the right one.

West Berkshire Citizens Advice Bureau
16 Bartholomew Street
NEWBURY
Berkshire
RG14 5LL

Telephone:
01635 552050

Drop-in advice times
Mon:
09.30 - 11.30 By appointment from 13.00 until 16.00

Tue:
09.30 - 11.30

Wed:
09.30 - 11.30 By appointment from 13.00 until 16.00

Thu:
09.30 - 11.30 By appointment from 13.00 until 16.00

Sat:
09.30 - 11.30


Telephone advice times
Mon:
09.30 - 16.00
Tue:
09.30 - 11.30
Wed:
09.30 - 16.00
Thu:
09.30 - 16.00

You also have your local Welfare Rights office that can advise you.

Its not just about finding out about your mortgage but also about a range of benefits possibly available to you.

Good luck with this and keep us posted how you get on.
Rosemary

[Seafury]

I really don't think she could cope with losing the house at all. It was a huge decision for her to admit she needed a carer, losing our home would really push her over the edge I never in a millions years realised becoming a carer had so many implications.

[Seafury]

Thankyou Rosemary, I will try a few of those places meantioned to try and find out some information about this

[rosemary]

There may be other members who have been through this maze that can help you more but I cant stress enough that you need professional advice too.
Once you see how the land lies and what you are both going to be able to claim,if you think problems will still arise regarding your mortgage,you could consider contacting your lender to see if they can help.A friend of mine was allowed to add 12 months to the end of her mortgage term to assist her for a few months whilst her benefits were sorted.She was told they would rather help over a short space of time than have to repossess.
Like with everything though,its all down to individual companies discretion.

Rosemary

[rosemary]

Sorry but chuckling away here to myself.When I previewed my last posting, I had typed Sea Biscuit,guess my days of standing in the bookies coming back to haunt me.5 to 1 odds on favourite I am daft as a brush
Reminder to self...get a new hair dye for this blonde ( grey really ) hair.

Rosemary

[pixie]

Hello, I am new here so sorry if I am posting in the wrong section!. I have just had to quit my job to care for my wife after battling depression, PTSD and panic and anxiety attacks for over 3 years. I spoke to the benefits section of our local Mental Health team and was offered an appointment on 23rd July, so I decided to go it alone to get the ball rolling. I was under the impression I was entitled to housing benefit for the intrest part of our mortgage, but for what I could understand we have to wait 9 months for help with the mortgage - by which time the house will be reposessed. I really don't think my wife could handle losing her home, we are locked into our mortgage for another 12 months so we cannot sell without huge penalties - we are totally stuck. I cannot find any information at all on the internet, especially since this isn't just a case of temporary unemployment, and I was directed here by a friend.
Thankyou in advance for reading

We were told that too by the benefits people but they were wrong, at least in our case. Being in receipt of carers allowance meant that as a carer we only had to wait 8 weeks to receive half towards the interest on our mortgate then after a further period we were paid the full amount of interest.

Something along those lines anyway.

You could really do some taking advice on this from a welfare rights worker.

Nobody should have to loose their home because they become a full time carer and if they do it's a disgrace.

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[Myrtle]

Well, we lost ours
I admit the circumstances were different as my oh had been self employed and when he became unable to work we were still trying to find out what was wrong with him.
By the time we finally got a diagnosis and dla etc. it was too late.
OK, so we are getting by now, but the stress of all that on top of everything else was nearly the end of us and broke our hearts.

[pixie]

I'm so sorry Myrtle. It must have been a terrible time for you both.

(((hugs)))