Worried sick and need some advice

[Essex Don]

Hi Guys,

 

Been reading here for some time and only just found the time to post - I wondered if someone could put my mind at ease.

 

I am 25 yr old man who has worked since the age of 16, I have recently become unemployed due to the economic downturn and I am having to claim JSA.

 

I have mortgage commitments of £1100 per month on a interest only rate - after the 13 week waiting peroid if still on JSA I can ask the governement to pay my interest repayments to my lender.

 

The only thing is this is a joint mortgage with a ex partner ( I cannot trace her) and I have been making all mortgage payments for last 18 months, my question is this ..... will i be allowed to claim for full interest payments to my lender or only half as she is half liable?????

 

I have also been signed off as being clinically depressed ( you never think it can happen to you - but believe me it does) so I will then need to claim for Employment Support Allowance or ESA - How much is ESA per fortnight and also does the government still support paying the interest for your mortgage if you are on ESA or ca you just claim this on JSA?

 

Cheers in advance guys.

 

[Essex Don]

Can anyone shed any light?

[RaeUK]

Not me, but I'm sure someone will post soon.

Best wishes.

Rae.

[honeybee13]

Sorry, I don't know about the mortgage thing either, hope someone will be along soon.

 

As an aside, do you have any payment protection insurance [PPI] through the mortgage company? I know it doesn't have a very good name on CAG, but when I was first ill, I claimed on my credit card PPI for the monthly repayments, I think it was [long time ago], and also on my mortgage protection insurance that covered sickness and redundancy. It helped quite a bit in my case. I suggest you read the wording if you have anything like that, or contact them.

 

Good luck with this.

[Uncertain]

Re ESA

 

It is about £65 per week during the "assessment" phase (first 13 weeks). After this, if you pass the medical, it will go up by about another £25 to £30.

 

The above is based on contributions and is not means tested. There is also some additional money available depending on your assets.

 

You need to get some legal advice on the mortgage question re your ex partner. This needs sorting sooner rather than later as she may be able to claim part of a property she is not paying towards. Sorting this should make getting the interest paid by the state easier. I would try to go to the CAB, a law centre or see if you can get a free half hour with a solicitor.

[PriorityOne]

 

The only thing is this is a joint mortgage with a ex partner ( I cannot trace her) and I have been making all mortgage payments for last 18 months, my question is this ..... will i be allowed to claim for full interest payments to my lender or only half as she is half liable?????

 

 

I'm not sure this makes any difference. My friend claimed all of her mortgage interest even though her husband had run off to Australia. Although they were married, the house was in his name only.... yet DWP paid it for years. I'd fill in the paperwork, submit it and see what happens, but going by her situation.... you should be fine because you're on the Deeds.

 

[Essex Don]

Sorry, I don't know about the mortgage thing either, hope someone will be along soon.

 

As an aside, do you have any payment protection insurance [PPI] through the mortgage company? I know it doesn't have a very good name on CAG, but when I was first ill, I claimed on my credit card PPI for the monthly repayments, I think it was [long time ago], and also on my mortgage protection insurance that covered sickness and redundancy. It helped quite a bit in my case. I suggest you read the wording if you have anything like that, or contact them.

 

Good luck with this.

 

I havent got anything that covers me for mortgage payments

 

thanks for the info tho

[Essex Don]

I'm not sure this makes any difference. My friend claimed all of her mortgage interest even though her husband had run off to Australia. Although they were married, the house was in his name only.... yet DWP paid it for years. I'd fill in the paperwork, submit it and see what happens, but going by her situation.... you should be fine because you're on the Deeds.

 

 

This sounds promising - thanks for the info I really appreciate it.

[Essex Don]

Re ESA

 

It is about £65 per week during the "assessment" phase (first 13 weeks). After this, if you pass the medical, it will go up by about another £25 to £30.

 

The above is based on contributions and is not means tested. There is also some additional money available depending on your assets.

 

You need to get some legal advice on the mortgage question re your ex partner. This needs sorting sooner rather than later as she may be able to claim part of a property she is not paying towards. Sorting this should make getting the interest paid by the state easier. I would try to go to the CAB, a law centre or see if you can get a free half hour with a solicitor.

 

 

Thanks for your advice re the solicitor my local CAB office have given me the details of local solicitors who will give me a free 30 minute consultation - I am going to set up a meeting with them and see where I stand legally.

 

I have asked her to write a letter and sign it stating that she doesnt contribute to the house and she wants off the mortgage ASAP to show DWP if they need it.

 

At the moment I am on JSA CB and I need to be on JSA IB to be eligible for Mortgage interest support.

 

Here is my problem - hopefully someone can give me advice on this:

 

I have been signed off sick from the Doctor but I am unsure whether to sign off my JSA CB and apply for ESA.

 

The reasons for this are Im not sure if the 13 week period for help with the mortgage interest will have to start again from the date of my new ESA claim.

 

I have also read about the ESA medicals being geared towards physical disabilites and therefore I am concerned that I will get a raw deal and just because I can bend down and pick something up they will declare me fit for work.

 

The reality is I am a nervous wreck, I am constantly having panic attacks and anxiety attacks and I have been prescribed Lorazepam and Prozac by a mental health specialist that my GP referred me to.

 

To even think about going back to work fills me with fear and I just feel like I cannot take the stress and pressure of another field sales job just yet until I am better.

 

Can anyone advise me on what I need to do next to ensure I get the Mortgage interest support? do I stay on JSA CB or do I start a new claim for ESA and risk being told to go back on JSA.

 

I already have a MI12 form filled in aswell as a JSA 3 form - do I send these in now or wait for the 13 week period? Anyone getting Interest Support and now the timescales I should work to?

 

Cheers,