Despite your best efforts, sometimes your home will eventually get repossessed by banks. Beyond losing your home, the long-term economic trauma will be devastating to your financial health, especially if you are declared a bankrupt, since the status will be reflected in your credit file for up to six years after being discharged.
However, at this stage, you will have more pressing matters to worry about, such as finding new accommodation for you and your family. Considering that you are not a in the best financial condition, paying the deposit and rent for a new house or flat is going to be very challenging. Nevertheless, the government has prepared a social safety net for such situations.
If you are homeless or facing the threat of homelessness within the following eight weeks, you may seek the help of your local council. The process begins with an assessment which covers your accommodation needs (including size and location) and the rental amount you can afford. The council will need documents such as payslips, bank statements, notice of eviction, repossession order, and any other related documents to help with their assessment.
Once the council is satisfied that you qualify for support, they will find a suitable accommodation for you and your family for a period of at least six months. If there are no available council homes, they will seek accommodation with a private landlord and pay the necessary deposit and rent to help you get started.
For urgent cases (classified as emergency housing), the council will provide temporary accommodations at a homeless hostel or a bed and breakfast (usually as a last resort, since it’s relatively expensive) until a more permanent solution is found. The point is, the council will do everything in their power to ensure that you and your family will not become homeless and provide you with a reasonable housing solution within easy reach of your workplace and public amenities such as school and transport hubs.
The threat of homelessness is obviously very unnerving. It can break even the toughest people. However, please remember that you are never alone; there are always people around to help you get through this.
If you need someone to talk to, Shelter is a good place to start. Call their emergency hotline at 0808 1644 660 to speak to a counsellor. They will talk you down the ledge, and provide you with useful advice to get the ball rolling.
For more comprehensive help, give Shelter’s Helpline a call during the day (8am to 8 pm on weekdays, and up to 5pm on weekends). The officers there will be able to offer full guidance on matters ranging from homeless and evictions to benefits and repossession.
Stay safe and good luck!
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