Thanks honeybee, I wasn't sure where to post

Hi, Im not sure where I should be posting this but here goes. I am a 2nd year mature student and last year got full dependents grants as I have two children, both of which need childcare while I study. This yesr however I am having major problems in that Im apparently getting much less (nearly £7000) even though my income this year is actually lower than last. If anyone had had the displeasure of dealing with the SFE advisors they will know how frustrating it is to get a straight answer on thresholds and entitlement. I was wondering if anyone knows what calculation they use for the dependant grants so I can try and work out why its much less this year. Im also really afraid that I must have had an overpayment last year since my income was higher but I got more. I just cant get a straight answer out of SFE and the not knowing is driving me to distraction. Any help massively appreciated. Dizzy

Can anybody advise?? Thanks

Morning all, Ive had some forms with the particulars of the claim from nrams solicitors. Strange thing is they are quoting the orignal mortgage details, the one we took out in 2004, we remortgaged with them two years later!!! Also the amount of mortgage is incorrect as well, they are stating £76295, we only took out £67500 originally although im not sure if this is even relevant as this was the original mortgage that was paid off when we got the new deal in 2006. Do i need to malke the judge aware of this as it seems they cant even get the original amounts correct let alone what we owe now. Thanks Dizzy

Thanks Guys, I got a bit brave and spoke to the mortgage company and ive filled in my defence forms. They are welcome to what I have got left over cos its not much!!!!! I definately feel a bit stronger and ready to face it now its all coming to a head so to speak, and i dont miss my physcotic neighbours one bit Thanks for all your support and advice

Thanks tuttle, Do I put my student loan down as income? I'm not sure on this as surely its a loan like any other and has to be paid back? Thanks

Thanks guys, had a long think last night and im going to go to court, doesnt sound as scary as i thought. What will i be expected to say? Im going to do the i & e and send that back with the defence forms, what i dont understand is why they want an I & E at this point before the house is even sold, thats what i panicked about yesterday, surely they wont know whats owed til its sold. I am going to try and get it the cAB this week, but would like any feedback if you have anything?? Thanks again

Hi sillygirl, Im actually petrified of going to court - is there a way i can get this accross without attending? My husband has depression and doesnt deal well so I know he wont be any good either. I & E forms - i am a student now and im not sure what i would include as my income, its difficult to know what i need money for too far in advance with regards to books and thing so im not sure what the expenditure there would be. Is there a standard cost to go off with regards to food and things as they vary all the time especially with two young children Thanks

Hi Angela, We moved out at the end of august as planned and have just had the court date for repossession set for 3rd December. Im not sure if i need to fill in the defence forms as i am dont want the house. The forms also state that the claiment is looking for payment of the mortgage arrears - would a court award them this before the house is sold? Im worried mnow as there is an invome and expediture form in there as well. Ive never been to court so really dont know what im doing Can anyone advise please

Hi, Thanks for your help, its approximately 10k plus the unsecured part of the mortgage which is 17k Thanks Grace

thanks honeybee

Can anyone help??????

Ive just had an estate agent round and its worse than i thought, i will get 60,000 if im lucky. Im thinking that bankruptcy would be a better option as im not interested in buying again. we also have unsecured debt that we are struggling to pay.

***sorry, that should read 75000 outstanding

Hi all, My situation at the moment is that i need to move house due to my neighbours who are making my life hell - its not worth getting the police invoilved as they really dont care. My problem is that i have a together mortgare with 7000 outstanding on the secured part and 17000 on the unsecured part. My house has dropped in value as i bought in 2004 at the height of the bubble. Im looking at getting 70000 tops for the house leaving me well and truly stuck there in a neighbourhood i hate. I dont know what options i have other than to hand the thing back, but would i then struggle if i needed to get a rental If anyone could give me any info of any options i have i would be extremely gratefulThanks Grace