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TROG
Starting Member
United Kingdom
31 Posts |
 Posted - 14 December 2009 : 17:34:22
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Hi All,
We're going BR next week, just in time for Christmas, and we are still living in our home.
We are on the council list for housing but we do not know how long it will be until we get a house (we have school age children), will we have to pay our mortgage until we move, will we pay the OR rent or can we live here rent free until we move and use the money saved for removals etc.
Neither of us are in work at the moment and work in the immediate future is looking doubtful.
Any advice is appreciated.
Many thanks |
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In 2 Deep
Junior Member
United Kingdom
161 Posts |
Posted - 14 December 2009 : 20:48:02
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Hi Trog and welcome,
One of the forum experts, Housing should be along shortly to answer some of your questions.
What I would say, is your property beyond salvage?
Are you not able to come to an agreement with you mortgage provider?
If not then I would not bother continuing to pay the mortgage, as it would not make a blind bit of difference.
You will not pay the OR rent, so in affect the money you would pay to your mortgage provider can go towards deposit etc...
Gd luck.
quote:
Originally posted by TROG
Hi All,
We're going BR next week, just in time for Christmas, and we are still living in our home.
We are on the council list for housing but we do not know how long it will be until we get a house (we have school age children), will we have to pay our mortgage until we move, will we pay the OR rent or can we live here rent free until we move and use the money saved for removals etc.
Neither of us are in work at the moment and work in the immediate future is looking doubtful.
Any advice is appreciated.
Many thanks
Treat EVERY Penny as a prisoner. |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 15 December 2009 : 01:10:48
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Hello again Trog,
It might be a good opportunity to call at the council to see where you are with regards to your housing application.
If I recall from earlier posts, the council had been quite helpful and positive given your circumstances and family composition. If they are housing your family direct (i.e. into their housing or a partner housing association), you will not need a deposit. Be worth clarifying that bit with them.
If they are going to discharge their duty through the private sector, then there is likely to be a deposit/bond - the council are likely to be able to assist you with this - particularly as you are on benefit and have no funds to pay the deposit yourself.
The best result, and I think we discussed this a while ago, will be that the council houses you itself - better accommodation and security for you and your family. Same applies if they "nominate" you to a partner housing association (or RSL as they are also known) - whilst you will not have what is called a "secure" tenancy, you would have an "assured tenancy". That also is a tenancy for life (provided you do not break the terms of tenancy)
In the private sector the tenancy is known as an assured shorthold tenancy and is normally for a fixed term. That can be as little as six months. Again, I think we may have discussed this a while ago - I will look back and come back to you as necessary.
In too deep is right you will not have to pay the OR anything by way of rental.
I am trying to recall the precise details with regard to your lender - I will look back and post again.
regards, Richard
"There are no problems - only solutions..." |
Edited by - Housing on 15 December 2009 01:18:51 |
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TROG
Starting Member
United Kingdom
31 Posts |
Posted - 15 December 2009 : 14:13:32
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Hi again,
I thought that would be the case but wanted to make sure.
Thank you once again |
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Housing
Senior Member
United Kingdom
1399 Posts |
Posted - 15 December 2009 : 14:26:42
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Good luck Mark to you and yours - a happy festive period to you and let`s hope that 2010 is better for all of us!!
If you have any questions - post back - I visit the site most days
Regards, Richard
"There are no problems - only solutions..." |
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chester2005
Average Member
United Kingdom
786 Posts |
Posted - 16 December 2009 : 09:18:02
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how far in arrears are you with the mortgage, because it is generally not a quick process from arrears to reposession it will likely take many months so this should give you good time to save money for deposit and future rent
(just the thought of the OR knocking on doors with a rent book in hand collecting money .. made me smile...sorry)
Dave
Don't worry or know that worrying is as effective as trying to solve an algebra equation by chewing bubble gum.(Baz Lurman)
RevivaUK helped me through it all i can't recommend them enough!! |
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Hi All, We're going BR next week, just in time
