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| T O P I C R E V I E W |
| Jackie |
Posted - 03 February 2010 : 19:13:16
Hi All,
I got a letter from a housing officer, stating she has confirmed that we are br and that we need to make payments to save our home. Its a really long letter and I did have it all typed out but when I clicked sent it was over 2000. Basically if they find out that we "intentionally" made ourselves homeless by bing br they would have no duty to re house us. HELP Please |
| 15 L A T E S T R E P L I E S (Newest First) |
| ONK |
Posted - 24 March 2010 : 09:16:48
Hi RBH , he is in a sure start nursery at the min ( he is 4) anyhow , he is there 15 hours a week (5 mornings) as his free education space that every child over 3 is entitled to. But he is now only there untillll next friday when we move house to another area. I have tried to get him in another nursery from aprill untilll june when they would break up for holidays but everywhere is full. So he wil be home with me until september when he goes into the receptionn class.
So will have a think again when im not going to need to couuugh up for childcare.
Lyndsey |
| RHB |
Posted - 23 March 2010 : 07:18:40
I don't know how old your child is, but there is funding at some nurseries, particularly surestart childrens centres for some 2 year olds. If you put that you wanted to volunteer to help with future employment you might well get some. Definitely worth enquiring about. |
| ONK |
Posted - 22 March 2010 : 19:06:23
Hi Richard ,
Well I got called back for a 2nd interview etc which went v.well. Got a call later that day to tell me I had been successfull and wasbooked in innduction for friday gone. However later that day they called me back as they "forgot" to tell me that the help with childcare I was promised was no longer available as they no longer have the funds left. I spoke to tax cred and was unable to claim childcare assistance from them an spoke to the job centre who also politley told me where to go. So unfortunatley i am not in a position to pay for childcare from my limited income in order to give my time up for free.
Called them back and advised them of this. Never mind
Lyndsey xx |
| Housing |
Posted - 20 March 2010 : 19:27:48
Hi ONK,
Hope that you and yours are well.
Just browsing and thought I would ask if you started doing the voluntary work yet with the local CAB? If so, how is it going?
Regards, Richard
quote:
Originally posted by ONK
Hey , yes it is very nice to see that you can help someone , like you say not for glory but for satisfaction that expertise or your own bad fortune can be put to the advantage of others.
I sure will keep posting Housing , great experience that we have between us, can be letting it go to waste !
Oh would just like to explain the "ONK" name , well my little boy (who just turned 4) found himself struggling for a word one daywhen referring to something , so he filled the gap with ONK (was one of them Willow Tree ornaments he was holding , the figures carved with no faces), so it kind of just stuck ! ha ha
I am also known as Lyndsey :)
Housing ...... I got an email from CAB re my application for volunteering , was some info re what to expect/what they expect of you.I replied to say i was still interested. It mentioned something bout a selection seminar ............ ?? did you do this , sounds a little scary to me !
Lyndsey
"There are no problems - only solutions" |
| ONK |
Posted - 16 February 2010 : 09:15:37
that is what has been discussed here if you refer to the previous posts , by myself and housing who are both from local authority homelessness |
| ariel |
Posted - 16 February 2010 : 08:33:52
You can find help from local housing authority. Its their duty to give to offer a homeless applicant advice and assistance. Don't despair at this. I hope it will be end in well.
motocross dvd |
| ONK |
Posted - 12 February 2010 : 21:00:11
Hey , yes it is very nice to see that you can help someone , like you say not for glory but for satisfaction that expertise or your own bad fortune can be put to the advantage of others.
I sure will keep posting Housing , great experience that we have between us, can be letting it go to waste !
Oh would just like to explain the "ONK" name , well my little boy (who just turned 4) found himself struggling for a word one daywhen referring to something , so he filled the gap with ONK (was one of them Willow Tree ornaments he was holding , the figures carved with no faces), so it kind of just stuck ! ha ha
I am also known as Lyndsey :)
Housing ...... I got an email from CAB re my application for volunteering , was some info re what to expect/what they expect of you.I replied to say i was still interested. It mentioned something bout a selection seminar ............ ?? did you do this , sounds a little scary to me !
Lyndsey |
| Housing |
Posted - 12 February 2010 : 13:07:44
Hi RHB,
May well be the case... time will tell.
I think irresponsible lending and irresponsible borrowing (by successive governments) has caused the problem.
Longer term mortgages may be a way forward - but, is 25 years not long enough!?
The Governments attempts at Mortgage Rescue has failed as has previous attempts by the Tories in the last recession.
One of our problems in the UK is that we are "obsessed" with home ownership and that was increased enormously with Thatcher and the Right to Buy.
We have seen too many people borrow to buy their home when they really should not have borrowed. Therefore we need a national housing policy that is better equuipped at delivering a more flexible tenure other than the public sector (Councils and RSLs) on one level for the less well off and the private sector rental market with no security and are, often un affordable and therefore not sustainable in the longer term.
It is not a quick fire solution and there is a need for Housing to be much higher on the national Social Policy agends.
That`s it for now!
Richard quote:
Originally posted by RHB
Trouble is, property prices rose too quickly & people overstretched themselves. I think longer mortgage terms will probably become the norm now, particularly as the time you spend working increases.
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
| RHB |
Posted - 12 February 2010 : 07:27:15
Trouble is, property prices rose too quickly & people overstretched themselves. I think longer mortgage terms will probably become the norm now, particularly as the time you spend working increases. |
| Housing |
Posted - 11 February 2010 : 20:21:14
Hello again,
I am making myself angry - I enclose below some copy from a trade press news item today:
Thursday, the Council of Mortgage Lenders said the number of houses repossessed by British lenders increased 15% in 2009 to the highest level since 1995. Total number of possessions rose to 46,000 in 2009 from 40,000 in 2008.
However, this was lower the CML's most recent forecast of 48,000 and significantly smaller than the 75,000 forecast at the start of the year.
In the fourth quarter, mortgage lenders took 10,200 properties into possession, down 13% from the third quarter, and 2% smaller than in the the fourth quarter of 2008. This figure reflects the number of possessions taken by first charge lenders on both home-owner and buy-to-let mortgages, the CML added.
"We are not out of the woods yet - 2010 will still be a challenging year for many borrowers, and some households will inevitably find their finances being squeezed if and when interest rates do eventually rise," CML director general Michael Coogan said.
Awful, that is all I can say.
These figures do NOT include repossessions for tenanted properties - they are also up and will not be shown until the end of the financial year and not publicised as the mortgage re-possessions. They will show up in the end of year local authority statistics.
I had thought that the New Labour Government were committed to maintaining sustainable communities - not much evidence there Dr Gordon Brown!
Richard - having a very angry moment!
quote:
Originally posted by Housing
Hello all,
I have just seen the Governments statistics on house re-possessions for the past 12 month - shocking! That is all I can say. It makes me feel so angry - it is the highest figure since 1995 when the Tories were in power and the forecast is that it will be even higher this coming year!
I am actually speechless and saddened at the human tragedy that this recession has brought with it.
There, off my soap box again now, Richard
quote:
Originally posted by Richard P
Onk & housing
some excellant advice here, i think that this is one of the main threads that people are concerned about when faced with BR and options.
thank you both on behalf of the "distant watchers of the site"
is it worth asking Skippy or one of the administrators to put this question in a hot topics area
regards Richard
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!)
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
| Housing |
Posted - 11 February 2010 : 20:04:26
Hello all,
I have just seen the Governments statistics on house re-possessions for the past 12 month - shocking! That is all I can say. It makes me feel so angry - it is the highest figure since 1995 when the Tories were in power and the forecast is that it will be even higher this coming year!
I am actually speechless and saddened at the human tragedy that this recession has brought with it.
There, off my soap box again now, Richard
quote:
Originally posted by Richard P
Onk & housing
some excellant advice here, i think that this is one of the main threads that people are concerned about when faced with BR and options.
thank you both on behalf of the "distant watchers of the site"
is it worth asking Skippy or one of the administrators to put this question in a hot topics area
regards Richard
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
| Housing |
Posted - 11 February 2010 : 14:05:08
Thanks Richard P - a note is now in my diary to send you a birthday card and a Christmas card for your kind words!! (joke!)
It is very nice to have feedback when posts/advice is useful. Not for any glory, but to assist someone who is really getting bogged down and to see a success coming out is encouraging.
It is so easy simply to see fog ahead when you are down... I am back to being Billy Graham again! (those of you who are old enough...)
It is also good to see another housing person posting some excellent advice and I hope that you keep doing that ONK 
I also hope that you get some work soon too ONK - remember Inside Housing Journal is out tomorrow and can be viewed online (I think I posted the site last week)
I agree that it is one the biggest issues with BR and money problems generally as we all need somewhere to live and the prospect of losing your home must be devastationg.
Sadly, over 30 years, I have seen throusands of repossessions of tenants and owners. Many could and should have been stopped - a bit of advice and a point in the right direction...
I am pleased that I have also saved a fair number from being repossessed
I have seen all sides of the arguements for and against eviction and am convinced that the majority do not set out to get into arrears - repossession for reasons of anti social behaviour is an entirely different matter - but even there, there are symptoms and stresses that may lead the household to despair - but hey, I am not on a conference platform speaking on housing issues today... I am just doing my little bit to assist my fellow human beings!
Happy to be on as a "hot topic" if Skippy and admin feel it is right.
Best regards, Richard
quote:
Originally posted by Richard P
Onk & housing
some excellant advice here, i think that this is one of the main threads that people are concerned about when faced with BR and options.
thank you both on behalf of the "distant watchers of the site"
is it worth asking Skippy or one of the administrators to put this question in a hot topics area
regards Richard
"Life is generally something that happens elsewhere" (Alan Bennett - author and one of my best heroes!!) |
| Richard P |
Posted - 11 February 2010 : 13:22:05
Onk & housing
some excellant advice here, i think that this is one of the main threads that people are concerned about when faced with BR and options.
thank you both on behalf of the "distant watchers of the site"
is it worth asking Skippy or one of the administrators to put this question in a hot topics area
regards Richard
An excellent idea Many thanks for the suggestion
admin |
| TROG |
Posted - 11 February 2010 : 12:14:08
Thanks sooooooo much for your replies. I have had to use my hubbys password to log on, probs with mine. Anyway we had the house valued on Mon we got it in 2006 for £90.000 and its now worth £87.500 and we owe nationwide £81.000. We have sent the quote off to the or as he asked and still waiting to hear back from him. I know what you have all said ref the housing situation. I have been in touch with her and she wont consider helping us until we have an eviction order. We are not allowed to bid for empty properties before this as we are still in this house. As soon as we have heard back from or I will be in touch. She just doesnt come accross as being the slightest bit helpful. Thanks again xxxxxxxx
Jackie and Trog
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| ONK |
Posted - 08 February 2010 : 08:44:10
i would also suggest getting the following "paperwork" together in prep for your homeless application , they are bound to ask for it at some point, so if you present them with it at 1st interview it will save time going back and forwards.
They will be asking you to complete a "financial statement" - not as scary as it sounds. Asks for your income / expenditure so as they can calculate the difference and see if you can afford to remain. Make sure you list EVERYTHING. They will want proof of everything you write down. If its shown on bank statements then give them 3 month worth. Letters / bills. anthing that confirms what you have written.
If there is a defecit at th en of each month they will enquire as to why you live somewhere you cant afford. Have your answer ready for that.
eg, when i moved in it was affordable to me , since then have lost my employment , made redundant , no longer able to work etc etc
Whatever your story may be. Just has t equate to , i could afford it , something happened which was not my fault , then i could not afford it. Thats non intentional.
Lyndsey
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