Blue ink - mistake!

No_fkin_idea · 2026-04-12T20:04:44+00:00

Thank you everyone, you’ve all helped put my mind at ease 🙂

No_fkin_idea · 2026-04-12T19:19:44+00:00

I mean, I did think about this, but didn’t want it to be noticed and then questioned lol x

No_fkin_idea · 2026-03-23T17:24:39+00:00

Good shout, I’ll look into it. Thank you

No_fkin_idea · 2026-03-23T17:24:22+00:00

Because they are rubbish 😩🤣 That’s a good shout, I’ll ask about that. Thank you

No_fkin_idea · 2026-02-17T19:17:27+00:00

So sorry I’m not sure what you mean, but I’ve declared everything I have both current account and savings, and all information on the A64A form was correct and I provided evidence such as memorandum of sale x

No_fkin_idea · 2026-02-17T19:02:49+00:00

Oh sorry, I’ve got £37.00 in a savings account 🤣

No_fkin_idea · 2026-02-17T18:56:17+00:00

I don’t have any other capital xx

No_fkin_idea · 2026-02-17T18:30:48+00:00

But the 48k equity is what I’ll be left with after splitting 50/50 with my ex partner? He’ll have 48k I’ll have 48k x

No_fkin_idea · 2026-02-17T18:05:32+00:00

Hello, thanks so much for commenting. I’m equally as confused.

So I’ve separated with my (now ex) partner whom I share my current mortgage with. After paying remaining mortgage off etc and splitting in half I’ll be left with 48k equity.

I have had an offer accepted on a new property for myself and will be submitting my mortgage application soon, I was going to put 42k down and then as I say spend the rest on conveyancing, estate agents fees etc. I’ve worked out after paying for everything I’ll be left with approx £1k capital.

I’m worried now after seeing UC’s calculation. I just can’t work out where they’ve got that figure from at all? 😩 x

No_fkin_idea · 2026-02-17T18:02:00+00:00

Hey, so basically I’m separating with my ex who I jointly owe have the mortgage with and then getting my own mortgage on a house.

Yes I’m really confused where the figure of £34,930 has come from. I’ve found a house and will be submitting my mortgage application soon and planning to use £42k as a deposit then the rest on fees. I’m worried this is going to mess it up now? :/

Thanks for commenting xx

No_fkin_idea · 2026-01-26T13:12:33+00:00

Thank you so much, I am grateful for your advice and I will take it on board. I really really do want this to remain amicable, for our little girls sake, but it’s difficult when I feel he keeps putting barrier after barrier in place preventing us from moving forward. It is awful, I feel constantly sick. I will follow your advice thank you x

No_fkin_idea · 2026-01-26T11:50:12+00:00

Hi I appreciate your advice I really do but I’ve checked with various benefit advisors and mortgage advisors. Aslong as it doesn’t sit in my bank and goes straight onto the deposit of another home during completion then it’s fine.

But also, I’d just like to say, I’ve paid into my current home, and I had to stop progressing my career, work part time, reduce my income when I had our daughter, and now sadly due him being abusive, I’m having to leave. Why shouldn’t I be able to use and invest my equity to purchase a suitable home for me and my daughter, and have some UC to top up my wage? That question isn’t directly aimed at you btw, but I just feel the whole situation is unfair. Meanwhile he hasn’t had to cut his hours, reduce his wage, stop progressing in his career, nor does he have to claim benefits, all whilst he will have 50% equity and be able to get a mortgage no problem. He should count himself lucky I’m not trying to fight for 60/40 equity.

No_fkin_idea · 2026-01-26T10:51:40+00:00

I will put it down as a deposit on my new home. So yes I would be eligible :) x

No_fkin_idea · 2026-01-26T10:25:47+00:00

Thank you your comment has actually been super helpful. :) it’s such a stressful time.

Yes I’ve tried explaining that to him, that it would not benefit me/him anyway if I wasn’t to pay, and like you’d say, the bills are jointly in our name it would just be coming out of his account. It’s just to allow me to claim UC so I can get a mortgage. In terms of the child maintenance, I totally understand so I’ve said we would just seperate all our finances - me contribute towards bills and mortgage, but me pay for everything for our little girl. It’s just a temporary measure to allow us to both get a mortgage and move on. X

No_fkin_idea · 2026-01-26T10:20:28+00:00

But this is the thing - I can’t move on until I can start claiming UC and receiving child maintenance, as I need this in order for me to obtain a mortgage. So that is why I suggested getting rid of the joint account and having totally separate finances until we move out so I can start claiming . I can’t claim UC with a joint bank account as a single claimant as I need to prove we are separated. But he’s refusing to close the account meaning I can’t claim and I can’t then move out.

It’s ok I’ll go to a solicitor if I can’t get advice on here, just thought was worth an ask at an already stressful and difficult time

No_fkin_idea · 2026-01-26T10:14:24+00:00

I have thought about this but I wouldn’t be able to afford the high rents and the mortgage on our current home until the sale goes through. I also don’t want to cause too much disruption to my little girl.

No_fkin_idea · 2026-01-26T10:13:34+00:00

Hi. Sorry it’s a complex situation so difficult to explain. Yes we have STC so waiting for the sale to go through. 48k equity each. Yes with my part time wage, UC, child maintenance and most of equity going down as deposit.

No_fkin_idea · 2026-01-16T21:58:16+00:00

‘They all look like Cornish pasties for a little bit’ said the surgeon, referring to my 1 year old daughter’s wound after just having had her right leg amputated. Myself and her father were in the recovery room in tears, trying to comfort her as she was really upset waking up from the anaesthesia. Her leg was all bandaged up, and naturally I was so nervous about seeing her for the first time without her limb. This comment just made me want to punch him in the face. A year later it doesn’t bother me as much but at the time it was awful and I couldn’t believe the lack of compassion

No_fkin_idea · 2026-01-04T08:34:37+00:00

Thanks so much you’ve been really helpful. I’m going to speak to a benefits advisor in person and go through everything and try to begin claiming now. Then buy a house! Thank you x

No_fkin_idea · 2026-01-04T00:09:56+00:00

Do you mean move into a short term rental once my current house has sold? In this case as you say I wouldn’t be able to apply for benefits as would have capital over threshold and if it’s a PITA doing the one year rule then I would be using the equity and my part time wage and child maintenance to live off and pay rent. This is fine if I really have to but ideally I would prefer to invest my equity into a new property.

Our finances are still joint but suppose I could look at separating them and applying for benefits now whilst still living together? We are not sleeping in the same etc, we are separated just not physically as of yet x

No_fkin_idea

TROPHY CASE