The problem with using the excess mortality rate as a guide is that the virus and its social consequences have necessarily skewed the normal mortality rate. For example the lockdown means that there will be far fewer road deaths, work accident deaths will have reduced and social distancing will have reduced the rate of flu transmission and therefore deaths from pneumonia arising from it. On the other side of the coin there will probably be more deaths caused by operations being cancelled and people being less likely to go to their GPs and A&E for all sorts of things.

Outside of the London area, the Benefit Cap allows you to receive benefits including Child Benefit up to £1666.67 per month. With 4 Children ( if all 4 are included as born before 2 child cap introduced) , if there are no earnings being deducted for on the Universal Credit claim, I am guessing that you received Universal Credit of about £1300* for the month. On top of that you receive Child Benefit. *If you have taken a UC advance and this is being deducted for you will have received less as the advance repayment deduction is part of Benefit cap calculation, when they work out net UC award. Of course once the Housing rent is paid, you are not left with a huge amount to pay for everything else. What you can do, is ask your local Council Authority for Discretionary Housing Payments as you are affected by Benefit Cap. You can also apply to the Council Authority for Council Tax Benefit. Do this urgently, if not done, as they won't backdate normally. Your local Council Authority can also offer one-off temporary assistance, if you are in hardship and have no other source of help. Suggest you seek more Benefit advice and also debt advice, as this may help you organise how deal with the current situation.

Hi, I think I have answered the legal question. There is no fast way to get the problem resolved; it;ll be court. However, you are clearly under a huge amount of pressure so here and some other ideas not related to the legal side of things. - ask for help from your local foodbank - if you have debts, would you consider going onto a managed debt plan via eg CAB, to get your payments to a token amount - do any employers either of you have worked for have a benevolent fund? - do take a phone consultation with your doctor about managing the stress - remember the samaritans are only a call away, 24/7 - contact shelter for accurate information about how long evictions take - you have more breathing space than you think. https://england.shelter.org.uk/housing_advice/coronavirus I'm sorry we don't have an easy answer for you. Take care.

VanessaK As I understand it , Unless the mortgage company have taken possession of the property ? They cant evcit you, only the LL/LA can gain a possession order by you serving the correct notices on you and so on. Read this http://tiny.cc/5169nz Since the end of March this year, All repossession obtained by lenders and possession orders obtained by LL/LA have been stopped for 3 months due to Covid 19 crisis. I would advise you strongly to seek legal advice from CAB or Shelter or a Solicitors. Also I surgest you stop openning letters by mistake ! ...