No help with mortgage when your on the dole !

[Paul.M]

This may be really daft idea or a stroke of genius. Obviously things are very very bad for 20al, worse off than most and trying to keep a roof over his family's head.

If 20al posts the area that he works in, can any members keep an eye out for a bit of work for him? I know there are loads of people on here that are struggling but not to this degree. If your able to help him please do so because no matter how long we discuss politics its clear to see that we are not going to get the help that is needed from this government.

 

[flyingsausage]

I am in a similar situation to 20al only that I had a little money stashed away and am living off it now.
As a single man told to make do with £65 a week and no help with the mortage for 13 weeks(4 months) I am in the position that I am having to sell and go back to my parents which at my age won't be much fun.
As for mortage protection insurance I had that in the past and it was useless.It is only for people who have regular long term work.It will not pay out after working for an agency for two weeks.
As for getting my mortage paid for by the state they will only pay the first 3.25% which would leave me well short as I am on a fixed rate of 6.99%.
You can approach your lender and ask for a payment holiday which they might give you.
The only other beneift I am told I am entilted to is a Council Tax rebate.
For a single man with no children who has worked all his days the system is wrongly set up with little or no help.
I believe I have no choice to sell after being idle for five months last year and not having worked this year I do not see the situation improving for myself soon.

 

[flyingsausage]

I know another spark that had to sell is car as his insurance protection wouldn't payout and that leaves him in a worse position for job hunting as he can only ake a job that he can travel to on the bus.
Hard times can hit anyone and a few weeks with no money coming in is hard but when it is amonths at a time it is really hard.
The amont off failed relationships and marriages due to unemployment in these hard times must have skyrocketed.

 

[Adam W]

I would have thought the insurance companies would be obliged to refund what you've paid into any policy if it transpired they weren't valid in the first place.

 

[flyingsausage]

Most of the insurance policies will only pay out if you have been in a years continues employment making them useless for the averge spark.And you have to be books in with a company.So if your last job is agency you can't claim

 

[20al]

Most of the insurance policies will only pay out if you have been in a years continues employment making them useless for the averge spark.And you have to be books in with a company.So if your last job is agency you can't claim

Sorry to hear your in the same boat as me mate. Perhaps smug Amp David will enlighten us and tell us who his insurancers are and wether he is self employed and where all this cash work is. Good luck mate.

 

[20al]

This may be really daft idea or a stroke of genius. Obviously things are very very bad for 20al, worse off than most and trying to keep a roof over his family's head.

If 20al posts the area that he works in, can any members keep an eye out for a bit of work for him? I know there are loads of people on here that are struggling but not to this degree. If your able to help him please do so because no matter how long we discuss politics its clear to see that we are not going to get the help that is needed from this government.

Thanks for your concern Paul,i live in Cardiff,S Wales and am willing to work away from home.Perhaps my plight is not quite as bad as i made out because i have some good friends and family who will help me out.I was trying to point out what to me seems a farcial situation where you get no help to pay mortgage,have house repossesed,get re-housed by local council and then get paid housing benefits which in turn could be paying some private landlords mortgage !

 

[sparkiegaz]

Can't u get a start at pembroke power station bloody great big job ,,
Company doing electrics up there is called dornans , Irish outfit u need to talk to joanne Sheann.

 

[flyingsausage]

Personally I think that you shouldn't get help if on the dole with a mortgage.

Take out the appropriate cover and you'll be fine. Been there and I had the civer so so no worries.

Why should you be helped out if on th e dole?

You may be fine sitting in Ivory Towers mate but some of us are really struggling and can't get a start anywhere.
As for insurance why take it out when you know it will not cover you?
People like myself that pay into the system are failed by the system.
Having no money is a daily struggle which grinds you down.Especially when you know folk that haven't worked a day in their lives seem to live quite happyly on benefits and they will not be worrying about paying rent/mortage etc and losing their home which they have worked hard for