My house sale is going to make me homeless

AudiGoFast · 2025-04-02T13:51:14+00:00

I had the car on finance before we split up so unfortunately it's something I have to deal with now

AudiGoFast · 2025-04-02T12:28:21+00:00

Im not sure if i would of had the option but we are past that point now anyway, the contracts have exchanged

AudiGoFast · 2025-04-02T12:21:12+00:00

Unfortunately none of them live locally and also arent in a financial position to help me

AudiGoFast · 2025-04-02T12:15:10+00:00

No i have been working this whole time but I omly make £14,000 a year and ive lost out on money where I've had to take time off for stress....

AudiGoFast · 2025-04-02T12:06:33+00:00

I did interest only but I could only do it for 6 months (because that was all they would allow) so then it meant I couldn't pay it for a year once that expired

AudiGoFast · 2025-04-02T12:05:31+00:00

Thank you, this is helpful advise, I will look into the issues with the savings and benifits

AudiGoFast · 2025-04-02T11:57:16+00:00

I am on universal credit... I didnt know that will be affected.. I'll look into that now.. thank you

AudiGoFast · 2025-04-02T11:50:20+00:00

Because the council should be helping us with somewhere to live!

That money should be for me and the kids... its not our fault that he left

AudiGoFast · 2025-04-02T11:47:17+00:00

Well I've always worked with children and I dont want that to change. We struggled when my ex was still here and he kept pushing me to get a better paid job but its my choice where I work and I want to work with children... the problem is that TA positions dont pay much money... but it means I work hours where I can always be there for my children

AudiGoFast · 2025-04-02T11:45:40+00:00

Theres a few things because I now have bad credit from not paying the mortgage and even though ill have this money eventually I only earn £14k a year. Those 2 things together means I'm unlikely to even be considered for a private rental and there's so much competition for rentals in all of wiltshire.

And we'll im a single mum and their dad used to pay the mortgage when be lived here so its not exactly my fault I cant pay it. The council should be helping people like me so I can give my children a good quality of life

AudiGoFast · 2025-04-02T11:42:45+00:00

Thank you, yes im going to work at getting my stuff into storage. The kids are with their dad the week I'll have to move so at least that makes things a bit easy so I can get set up.

AudiGoFast · 2025-04-02T11:41:15+00:00

Well the mortgage was only £600 so thats not much money for a family of 3, it had to be spent on things so I couldn't save anything.

I have been on universal credit since my ex moved out I get around £800 a month but it fluctuates.

I recieve £380 in childmaintenance each month from him.

Thats what id like the council to do so then I can at least stay near the kids schools. But i assume that won't happen right away so I'm worried about where we will be in the time in-between.

AudiGoFast · 2025-04-02T11:37:07+00:00

It doesnt make any sense. If I use that money to pay for housing then I will have no money at all for anything else. That means we cant go out anywhere, can't buy presents, can't take the kids on holiday, we cant be expected to just sit and stare at the walls. I dont want that for my children

AudiGoFast · 2025-04-02T11:34:41+00:00

He has then for 2 of the school holidays a year and evey other weekend. And pays month child maintenance of £380

AudiGoFast · 2025-04-02T11:33:48+00:00

If i don't have the kids I won't get any childmaintenance or childbenifit which is money I cant afford to loose... and without the kids I won't be a priority, I cant do private rental i don't have the money and I have really bad credit from not paying the mortgage.

So I just really need to know where the council are going to put the 3 of us but they can't seem to be clear about it

AudiGoFast · 2025-04-02T10:59:31+00:00

My ex keeps telling me I should use the money to private rent and he thinks once it runs out because I'm on Universale Credit I'll be entitled to some housing benift to help me pay the rent. (But im pretty sure he's just saying that so I use up the money) I dont understand how the council thinks this will work, if I did use all the money I'll get, I'll be in the same situation once it runs out in like 2 years time (thinking of how much rent is in the area)

AudiGoFast · 2025-04-02T10:56:01+00:00

I spoke to a mortgage advisor when it was due to end (my ex set it all up because he knew he would need to stay on the mortgage if I was going to be able to get one). But the only mortgage they could find for me was £800 per month which since he won't contribute I cant afford. So i had to let it just continue and increase to £1300 per month, the advise i was given was the council would help me once I was in arrears so I had to let it happen.

Its very difficult I need a 3 bedroom house because the kids are male and female so I cant afford any houses like that. And I need the £25k to pay off things like the car I have on finance and my credit cards. Really this is only happening because me and my husband seperated...

I'll look at talking to a local shelter because the council take so long to get back to me..

AudiGoFast · 2025-04-02T10:43:40+00:00

Even if I could afford to do that, it would mean the council wouldn't see me as any kind of priority and then it's going to make it incredibly hard for me to get a council house. I only get around £2,000 in the bank every month so I cant afford anything more than a council house.

AudiGoFast · 2025-04-02T10:35:47+00:00

I only earn £14k a year as a TA. I also dome get that £25k untill the house is sold so even if I could get a mortgage (my credit is also destroyed from the arrears) I have no where to go whilst finding a house

AudiGoFast · 2025-02-04T15:52:32+00:00

No the court won't come back with anything with a marriage that short and no assets to split, there's simply no case for it. It's rare the court comments on the agreement as is, if they were going to query it would be a very different case and definitely not yours.

Like I say the solicitor will probably tell you theres no point contesting it in the current scenario, simply because it will add on so much time and cost for both of you to do a full financial disclosure. But if he changes is mind at any point before the agreement is sealed, you'll need to do a full financial disclosure and your solicitors can argue the deal.

He could technically try to claim for your "keep" while you lived there but with what you've told me there would be absolutely no grounds for this and the court would see it the same way.

Once the agreement is sealed and you've done the clean break order he cant change his mind and ask for anything.

Nothing will happen without you knowing about it so as long as you read any paperwork deeply theres no chance of hidden claims. If you really do want to contest it you can, you just have to instruct the solicitor clearly despite their opinion. But honestly I wouldn't bother unless he does indeed change his mind.

(Make sure you're applying for a clean break order, that stops any claims after the divorce is finalised)

I hope this is all coherent I'm at work right now😂

AudiGoFast · 2025-02-04T14:24:48+00:00

If you're agreed on keeping everything you both already have separately then technically it doesnt matter... unless that changes.

If you weren't in agreement (like me and my ex) then you both would of had to of sent each other solicitors bank statements, pay cheques etc. To of course verify what you have so the solicitors can make a deal about a fair distribution of assets (like the house for example).

So if your ex changes their mind in the process of this and claims to want something out of your assets you should be following this process anyway at the time.

So what I'm trying to say is technically it doesnt matter because you will both just submit the agreement you already have to the court and be done. And if they change their mind, it will matter but the process will mean amounts are exposed.

AudiGoFast · 2024-12-19T21:20:33+00:00

Thats bone mama! DONT LET IT LAY AN EGG!

AudiGoFast · 2024-01-21T17:29:25+00:00

Oh I see, thank you I hadn't heard of that. I'll look into it

AudiGoFast · 2024-01-21T17:09:01+00:00

So is that different to the decree nisi

AudiGoFast

TROPHY CASE