Well your ex is a very canny lady. She now has title, but no liability. You have liability but no title. At the end of the day only the bank 'own' the house' If there are children involved under 18, I am surprised that she hasn't sought to have you maintain the mortgage for her to live in the house. If the bank take the property back, and there is a debt left over, you will be liable to repay it. If there is any equity your wife will take the lot. She hasn't really got a worry, she is living there rent free. She can of course pay the mortgage on your behalf which would be the best way forward from her point of view. You are going to have to come up with something either offer to go half with her for the mortgage or let her pay the full lot. I would be seeking advice as at the moment your wife is holding all of the ace cards which if played right could leave you possibly facing another bankruptcy!

It all depends on how much you have paid, the balance outstanding and the original debt. Like anything that doesn't belong to you, the owner can try to take it back. Why haven't you kept up to date with the payments?

Cash in hand? ummm

Obviously not, but given that the money is supposed to be in his bank account by the the 29th and the DWP knowing that there are no BACS transfers on the 29th, it wouldn't take a great deal of intelligence from the DWP to do the transfer on the 28th??? Maybe the answer is too simple for the DWP to comprehend.

Thankyou I am fully aware of the translation from the Latin. There is a world out there that consists of reality. To go to your GP telling him/her that you have become very stressed over the whole ESA situation is nothing abnormal and certainly isn't 'swinging the lead' so to speak. Still each to their own - the alternative would be to do without any money for a few weeks if need be to get to the 6th month date. I certainly wouldn't have walked and started up a JSA claim! I doubt that many others in the same situation would have either.You might!

Am I losing the plot here? We (my wife and I) claimed (by each completing a claim form) for each other (she claimed for me and I claimed for her) Once the claims were accepted we were each given underlying entitlement for Carers Allowance. Now tell me in simple English what part of that statement do you not understand? Gee it's like being in a classroom of 5 year olds

No I don't! Estellyn has got it spot on! It was the underlying entitlement that we wanted to increase the appropriate amount for Pension Credit by £65.20 a week. What do you think I was implying? My posting was very clear unless you are osdset in which case they don't seem to understand anything other than constantly watching gardening programmes on the TV.

And given that the OP appeared to claim SSP until May/June 2012 then put a claim for ESA in. The OP then appeared to fail the assessment and appealed. The appeal was heard in February 2013. I would say that the decision taken after the assessment would have been about August 2012. So by February 2013 it would have been 6 monhs from the date of the original decision and a new ESA claim could have been lodged. Even if my dates are a little out, there was still no need to give up their job to claim JSA. If it had been me, and it wasn't 6 months from the original decision date, I would have gone along to my GP and given just the stress of the Tribunal would have enabled a new sick note to be issued which would have shown stress as a secondary condition thereby getting round the 6 month rule. Bang in a new ESA claim and get paid at the assessment rate (same rate as JSA) and kept my job.

Being assessed for ESA does not look at what you cannot do, nor does it look at what job you did but can't do any longer. You are assessed using descriptors that enable you to be assessed as to what you can do! I presume you took the appeal to the Tribunal but lost? Did you prepare your case based on what ESA looks for? Why, after losing the appeal did you not put in a new claim for ESA and start the whole thing over again, learning from your previous mistakes made with the first claim? Why would you give up your employment to claim JSA instead? None of what you have done makes any real sense.

I presume from that inane comment that you now understand what I said and that you are not able to say sorry for jumping to the wrong conclusion and calling me a liar?

i do wish that you would read exactly what I say sometimes instead of trying to read into something that isn't there! Of course we claimed Carers Allowance for each other. Claiming it doesn't actually mean that you will get it in terms of hard cash! We don't physically receive the Carers Allowance for the reasons I have said, but we each do get a premium in the Pension Credit calculation. Does that make sense to you?

Neither am I! In fact I could very well work if I wanted to and I was put in the Support Group back in January 2010 for 3 years, then again on review in January this year until June 2014 when I will be 65. The first assessment I failed but passed on reconsideration whilst the second was all down to the ESA50 and a copy of my 5 page repeat prescription - no other evidence was sent in and went straight back into the SG.

Ah that is because those in social housing still have the mindset that they have a tenancy for life which can be handed down from parents to children and for that reason it isn't right that anybody should interfere with their financial and housing affairs. It was one of the worst mistakes that we ever made when we walked out of our 3 bed semi council house 32 years ago to buy our own property. Not that owning a property is a bad thing it isn't. What we should have done was to buy the council house at the price they offered it to us (50% reduction - buy it for £8000 - now worth £160,000 http://www.rightmove.co.uk/property-for-sale/property-23876478.html ). Instead we bought another costing £20,000!!! In hindsight we should have bought both and rented out the council house.

We too have that particular problem. My wife is paid her SRP so cannot receive Carers Allowance for me and I receive Contributory ESA so cannot receive Carers Allowance for her. It's called 'Caring on the cheap' as far as the government are concened!

I'm not a 'benefit basher'. I tried to get them to print the facts to highlight how some in society are being paid enormous amounts of benefits yet others are having to live on the breadline. No one needs or should get over £650 a week in benefits for an older couple. And no one should receive anymore than what they would have earned if they were working. Sometimes it is the system that is wrong, I have done everything by the book. According to the law of the land the amount we receive is what we are entitled to. It is ridiculous. This was compounded by the email I received back from the Daily Mail suggesting that it wasn't appropriate to print that information involving an elderly couple. So I suppose that if we were 30 years younger it would be appropriate!