Wife’s burden

When my son married, his wife already had a mortgage in her own name. For a number of years he has been paying two mortgages, but he’s now unable to do this and her house is being repossessed.

Is my son liable for his wife’s mortgage, and will it affect him in any way? RW

As long as the mortgage is in his wife’s name only, your son won’t directly be responsible for any money owing once the house is sold.

However, if the couple have any bank accounts or assets in joint names, if they jointly own the other house for example, these could be at risk if the lenders pursue the debt.

They should take advice immediately. If the wife owes money after the house sale the couple will probably find it difficult to borrow money in future, since they share a household and their finances are linked.

If they could find a buyer it would cost them a lot less to sell the house themselves rather than allow it to be repossessed.

In the dark

QWE took our employers to the minimum wage tribunal and won our case. It was investigated by the Inland Revenue. The firm appealed against the decision in January, and we¹re now trying to find out if a date has been set for the appeal, but they keep telling us they don’t know. Is there a time limit for this type of thing?

MP

A No. After the tribunal hearing either of the parties have up to 42 days in which to appeal.

But once an appeal has been lodged the matter becomes part of the judicial process and there is no set time in which the appeal must be heard. Keep in touch with the Inland Revenue.

If it is decided that an underpayment has been made you will not only be entitled to the minimum wage in future but to any back pay owing.

 

In the dark

We took our employers to the minimum wage tribunal and won our case. It was investigated by the Inland Revenue. The firm appealed against the decision in January, and we’re now trying to find out if a date has been set for the appeal, but they keep telling us they don’t know. Is there a time limit for this type of thing? MP

No. After the tribunal hearing either of the parties have up to 42 days in which to appeal.

But once an appeal has been lodged the matter becomes part of the judicial process and there is no set time in which the appeal must be heard. Keep in touch with the Inland Revenue.

If it is decided that an underpayment has been made you will not only be entitled to the minimum wage in future but to any back pay owing.