owning your home

[jacksie]

nightmare not so great now i can't work.My house is in need of repairs i mean money repairs which i haven't got .I would rather sell and have a bungalow,houses aren't selling though, besides my property wouldn't buy a bungalow any way ,i feel trapped i can't afford to move.The house is getting more and more difficult my fibro is getting worse any suggestions or way out.

[beth2]

hello are there any grants advisers around where you live like the council sometime they can help not sure what else to say look on your local council website might be a link or something that can help you take care love beth x

[JSue]

i agree with beth2 -- there used to be local council grants for adaptations. don't know if these have been cut (probably) but it always varied depending on where you lived anyway. do an online search with your council name and disabled adaptation / home improvements. see what comes up.

[Hidden]

I know there's a scheme where the council can actually buy you out and then you can stay in your home and pay them rent. With this happening, they can also adapt your home with aids so it's more suitable for you to manage, stair lifts etc. A friend of mine had this happen to her, she got into dire straights with it all financially. That was her way out, I hadn't heard of it before.

I will look into it for you and see if I can find any info about it. I have to get dinner for the family now, but will post if I find anything a bit later on. xx

[Hidden in reply to Hidden]

It's the Housing Options Department in the Local Council and is the Mortgage Rescue Scheme where criteria has to be met. Hope this is helpful.

[Hidden]

There's some info about councils buying peoples' houses here, apparently it depends on the stock of houses and each council is different. Not all councils do this.

forums.moneysavingexpert.co...

You would have to approach your local council and hopefully they will be able to advise you.

Hope this helps.

[chilli50]

Hi

I'm sorry to hear things are so stressful.

There is a website called turn2us that you can try that lists thousands of charities and the ways in which they help. It also list any criteria you need to meet, if they have any that is, lots dont. the site also does a benefit check for you to make sure you are getting all you are entitled to.

It's worth a look as they offer grants for everything you can think of and will even help with bills, weekly amounts etc.

I really hope this helps you. I've used the service in the past due to financial issues. I was in a heck of also of debt as in the space of 6 moths my partner and I had been give full guardianship of 2 of my grandsons, I started with heavy symptoms of fm after an op I had 6 weeks before had complications and I contracted a form of NRA. It took six months to start to heal the open wounds in my body and I lost my beloved job. Since then it's been hard work and we have nearly lost the house several times.

I can't remember how I found out about turn2us but after looking on there I reLised I could apply to the British royal legion for help as the boys were army depend ants as their dad was a soldier. They paid the mortgage arrears for me and have also offered me a home improvement loan, which I haven't taken yet as I want to make sure I can pay it back first.

What I mean by saying all this is that you never know what will happen in the future, help can come from a surprising direction. It could be nothing to do with this site but it will happen I'm sure.

Have a look and see what you think? I know this isn't strictly about fibro but it can only help our stress if it helps us

Love and gentle huggles

Chilli

[gdxahd]

Hi Jackie, I hope some of the schemes everyone else mentions work for you. Failing that there are companies that will buy your home for cash usually within 28 days. There is of course a cost to it as you will typically get 75% of the market value. The great thing is that condition of the property does not deter them. That may or may not help you, but it is another option you might not have been aware of. Hoping it all works out for you, Steven

[ArctoLindy]

I'm in a similar situation, I live in/own an upstairs flat, Occupational Therapy won't make the alterations needed because I need to live on the ground floor but they did get me onto the council waiting list... back in February 1998. I can't sell up and move to somewhere more suitable because I'm not working and my building society can only lend less than my current mortgage which is nowhere near enough, so I'm also stuck in an unsuitable home with no prospects of anything changing for a very long time, I'd happily pay to make my flat easier to cope with if I had the money but can't even afford to pay someone to redecorate my living room which hasn't been painted since 1994!

You now have to bid on council properties in my area and I look at the lists every fortnight, most of the properties are completely unsuitable. On the rare occasions there is something to bid on, I usually end up in the top ten of the bidders, but unless you're No 1 of course thats completely useless! Its a situation that leaves me frustrated and upset so I'm not going to write any more except to hope with all my heart that you find a solution. xxx