2006-10-19 08:09:21 · 18 answers · asked by dunlop 1 in Pregnancy & Parenting ➔ Other - Pregnancy & Parenting
Why are some of you on here so f*cking negative & nasty some of the time, the minute some mentions they need help you attack them. Not everyone is fourtunate to have children in the fairytale circumstances like most of you seem to think you are, the minute someone mentions abortion on this site you jump down their throat for being a killer or murderer because they want to avoid single family life but when a woman makes the brave decision to have her baby on her own & support the baby even with mortgages etc to pay in order to save another avoidable abortion you also jump down their throat for being scroungers. After paying tax & national insurance all your working life i believe the bristish are entitiled to some help if they need it & are not as fortunate as some of you to have a good income between you & a partner. At the end of the day you dont slate the british goverment for giving free houses, cars & cash to the foreign 'visitors' but you slate poor woman like this for wanting to avoid termination & be brave enough to bring up her baby alone but needing a little help. Shame on you, god forbid you ever needing help one day!
2006-10-19 23:05:37 · answer #1 · answered by Gemma 27.05.2007 2 · 0⤊ 0⤋
You will probably get little or no help with the mortgage. Make sure you fill out all your forms right away for child benefit and child tax credit and see if you are entitled to working tax credit (assuming you are returning to work) Also explain your situation to your mortgage lender they may offer you a payment break. There is help out there but very little of it is offered to home owners (which is shite!) I know how you feel, up until having my twins I worked full time. I work part time now. Ignore all the tossers calling you a scrounger. Can they not see you own you own home and you do work. Good Luck and I wish you and your new baby well :-)
2006-10-19 17:36:05 · answer #2 · answered by Lovewilltearusapart 5 · 0⤊ 0⤋
I'm assuming your in the UK cos thats where I am and the only place I can draw experiance from and the answer is NO.
The only thing you can do is contact your provider see if you can get a repayment break.
Also get the daddy to provide some funds.
Any substantial benfisits don't kick in until you have had the child and your mat pay stops and even then as a homeowner with a job there isn't a lot of support offered.
These lucky ones with paid for council houses get it easy - buy your own house you get SFA!
You also should go to your local Citizens Advice Beuru - they are really helpful and free!
2006-10-19 16:56:59 · answer #3 · answered by Anonymous · 1⤊ 0⤋
No sadly you won't.
I'm in the UK so I'll tell you how it is in the UK.
If you are in the UK you should get either SMP (Statutory Maternity Pay) from your employer. This is 90% of your average earnings for the first 6 weeks and then £108 per week for the next 20 weeks.
If you cannot get SMP from your employer you should get Maternity Allowance from the Government which is £108 per week for 26 weeks.
If you do not qualify for Maternity Allowance you should be able to get Income Support for about 12 weeks, but that is only about £50 - £60 per week. If you're on Income Support you can get some help with you mortgage interest repayments but not for the first 30 weeks or so of your claim.
Thats it.
If you do not live the UK then you will get whatever your country's laws say you can get. If you are an American I feel sorry for you as they seem to have very little compassion on people over there at times like this in their lives and its all "insurance" and "health plans" and stuff and I don't understand it at all I'm sorry. What happens if you don't have all this "insurance" or can't claim on it, God only knows. You starve, I imagine. Thank God we at least have some sort of social security system in this country, even though its not great.
I am in the same boat as you. I'm claiming Matenity Allowance. My partner is on a very low wage (only about £120 a week) and we are really really struggling to pay our mortgage but there is no extra help available. We already have a court order on our mortgage repayments and if we make one default they'll evict us. They CAN evict you for non payment. Even though we filled in the means test form and told and showed them that our reason for struggling to pay was that the money was NOT there. They don't give a shite, especially if they are a sub-prime lender like ours is.
If we get repossessed because we can't pay we'll be dumped in a B&B for 6 weeks (as a "priority need" case) and then turned out on to the street as the council rarely help people who are homeless through mortgage repossession - they claim its "your own fault". Even if you can't pay.
Nice to know then that any scrounging asylum seeker can come here and get free accomodation with all the trimmings whilst British people are left on the streets for the crime of having to give up work to have a baby.
We're hoping my BF's family will be able to help us a bit financially as we can barely see out way straight otherwise.
2006-10-19 15:27:36 · answer #4 · answered by Anonymous · 2⤊ 0⤋
Some mortgage companies do a maternity break for up to six months. You will have to contact them, some ask for you to write in along with a copy of your MATB1 form. The break in payments will be added to your loan and is subjected to interest.
If you are claiming benefit, you can get the interest side of your mortgage paid but not the capital. Again you will have to contact the Benefit Agency.
2006-10-19 17:30:14 · answer #5 · answered by fire 2 · 0⤊ 0⤋
Social told me they would pay the interest only on my mortgage but not til after 40 something weeks which was no help at all really
So I went to work at a bank and found out that as long as you make some payment towards your mortgage they are powerless to repossess you...............They will send you out a means testing form to be completed to confirm that you are paying everything you can towards your mortgage and not spending it on beers at the weekend etc
I hope this helps you, if I knew this peace of info at the time, I was on my own. I would not of put my son in a nursery and gone to work to make ends meet
Good luck with your future arrival x
2006-10-19 15:19:19 · answer #6 · answered by xXx Orange Breezer xXx 5 · 0⤊ 0⤋
never heard of it and i am a mortgage adviser, but go to your mortgage company and speak to them they may allow payment holidays which will allow you to get sorted some benefits!!! Or they may even allow you to have reduced payments on your mortgage.......... all of which will have to be paid at sompoint it would just take the stress of you at an already very stressfull time. Good Luck with your new child and financial situation.
2006-10-20 06:07:58 · answer #7 · answered by Very Sexy Vixen 3 · 0⤊ 0⤋
You Might, contact your company and ask for deferred payments, basically it puts the payments at the end of the loan due to financial hardship, not working because of child birth should be a good enough reason for your mortgage company to defer your monthly payments.
2006-10-19 19:20:39 · answer #8 · answered by christy_2125 2 · 0⤊ 0⤋
Alot of times when you finance anything they offer you optional insurance to cover your payment in the event of a medical leave from work or you loose your job,If they offered it you need to check your Paper work on your loan and find out what you did and did not get.I believe it would be considered a short term disability,also alot of Employer's offer short term disability protection,where you would still get paid like 60 percent of your income while you are out of work as long as Your Doctor fills out the required paper work,I know the Short term disability my company offers covers child birth.
2006-10-19 15:38:34 · answer #9 · answered by leoslady3900 3 · 0⤊ 0⤋
Never heard of it - and if there is such thing a disability for pregnancy or delivery it would take a while for it to kick in- been there- I saved and paid- you can talk to mtg company and ask if you can pay interest only for a month or 2 -they may go for that- D
2006-10-19 15:14:09 · answer #10 · answered by Debby B 6 · 0⤊ 0⤋