Can some one please help us? (merged)

bigstring

Ell, thanks for your help, we have been claiming child tax credits over the past 7 months, and are baby boy does not go without, I went back to work this year for 2 weeks but my partner was unable to cope, we thought it was the right time but not sadly, all doctors notes are with the jobcentre and we have our work cut out getting all our notes and information back from them over the next week.

Ell_86 wrote: »

I couldn't believe it when I read this. You should be getting tax credits and child benefit. The tax credits will be backdated from the date the baby was born which should help you out a bit. If you go on the tax credit website you can fill in your details and it tells you how much you could claim. There's also a site called entitledto.com which tells you all the benefits you should get including housing and council tax benefit. Your partner should also receive income support. Have you got doctors notes? You've probably done this but go into your local jobcentre with all the proof. Also, check on the tax credits and entitled to website to see what you should be getting. Then go into your council offices with proof of benefits etc to claim housing and council tax benefit. You should receive all this as your partner obviously needs you at home to help her and the baby. There's so many couples out there who are both capable of working and they choose not to. They manage to get everything handed to them. I really don't see how they can say you're not entitled to anything. As for never paying NI and tax,even if this was true i'm sure it doesn't make a difference as alot of people on benefits have never worked so therefore have never paid anything. Also everywhere you go etc jobcentre, council etc you will be told different things by different people you speak to, so don't listen, for example a lady in my council told me she didn't think I'd get any housing benefit when I went back to work last year so I left it. I looked at the entitled to website and it said based on the tax credits i receive I should be paying £20 less so if i hadn't listened to her I would have been £20 better off every week for the last year which would have helped me out. I hope this helps. Good luck

bestpud

To clarify (as it's over a long period):

Your wife was signed off sick in January 2007. Is she still employed, or did she resign, or was she sacked, at that point?

She claimed IB and DLA, but the DLA was turned down and the IB one refused because her employer had not paid her contributions.

She wouldn't have got IS at that time because you were still working until Easter time. But you put in a joint claim once you left work, which was turned down because you left voluntarily?

When did you reapply for IS and what was the reason given for it being refused?

Meanwhile you were renting privately and paying no rent, [or council tax] and hence you were evicted in January 2008 and you still owe this money to the private landlord? Have you been getting HB and CTB since your ds was born, or have you not paid any rent, or council tax to either landlord since April last year?

Have you applied for HB or CTC? If yes and it was turned down, what was the reason given?

Since January, you've been getting ctc and cb for your ds. Have you received any IS or JSA for you and your OH though?

That's a lot of question I know but it will help people answer if they are clear about your position.

The priorities as I see them are finding if they are going to back pay the IB as that will be a big help, and ensuring you are claiming everything you are entitled to at the moment.

It may be worth reapplying for the DLA at this point. Once you know where you are income wise, you can start to sort out a debt repayment plan.

Do contact the CCCS, or other one listed on this site (don't pay for this service as you don't need to!) and start making some effort to contact your creditors asap. They will do that for you, or at least advise you what to say.

If you are awaiting a decision about the insurance issues then you need to get legal advice, I'd have thought, and you won't need to pay for that. Sorry but there is no excuse for breaking the law - what if you put another family out of work and in the same boat through you driving without insurance? I sympathise with your general position but not with those choices you made. Hopefully it is all dealt with now though and not still hanging over you?

real1314

bigstring wrote: »

a lot of questions were asked as to what we were living on, but still nothing came of it... secretly I have a big stash of cash that I was hiding

Erm?

I'm starting to wonder about this thread. You had a £36k job and your partner had a £16k job. You live 36 miles from a hospital and 6 miles from a shop. You thought it would be ok to drive without insurance, and having been caught, then thought it would be ok to drive on your mum's french insurance? And your MP and even the Secretary of State for DWP couldn't resolve the problem? That suggests that there's more to this than you are telling. MPs being involved usually sorts out any administration problems very very quickly.

I think that either you need to give a clear timeline of events, i.e when partner finished work, when you finished work, when each benefit was claimed, when the MP got involved, when hain got involved etc oh and what you meant by the comment above, otherwise people will just be trying to guess what's gone on, and what you can do about it.

Oh and your wife went off sick in jan 07, with a kidney condition that you believe should get her IB and DLA and was so severe that you had to give up work to care for her but also gave birth some 11 months later?

healy

Kimitatsu wrote: »

Hi

Firstly congratulations on your baby

You seem to have been through a really rough time the last few years. With regards to the debts have you seen a debt adviser at your local CAB? They are now required as part of their service to make sure you are claiming all the entitlements you are allowed to (dont laugh at this point!)

Does your partner have her P60's for the last three years? On there should be the amount of tax and NI she has paid, and that has been deducted from her salary.

If she has not made any contributions (and to be honest I would be taking it up with HMRC as the employer has to make their contributions as well) can you not pay the contributions yourslef? I realise that times are tough but for some benefits you are able to back date your contributions to bring them up to date. From the time your baby has been born your partner now has home protection contributions paid for her until your child is no longer eligible for Child Benefit.

If you speak to your local hospital then they should be able to organise transport for your partner to and from hospital - it can either be accessed through the transport services or many hospitals have a PALS service that may be able to help you.

The way I read it was that the NI problem had now been sorted out and IB would be payable.

If they were to pay voluntary contributions this would only help with any future state retirement pension and not help with the payment of Incapacity Benefit.

Home Responsibilities Protection (HRP) are not contributions to an NI record, it reduces the number of years required for a pension to be paid.

jools1985

What a dreadful story. You don't say what benefits your partner tried to claim, but my advice would be to contact that same benefit office again and show them the letter you now have, which states the NI was paid after all. You may be able to get the money she should have been paid then as the missing contributions have been found and credited to your partners National Insurance account.

As for your debts, and the strss you must be under, have you thought of bankruptcy? Reading here it seems you are in a rented (probably council) place, so you won't lose your home. time for a fresh start for you and your family I think and bankruptcy would give you that opportunity.

Whatever you do decide, chase up those missed benefit payments, and I really hope life starts to get better for you.

real1314

******************************************************
******************************************************

This is a duplicate thread. See other thread by OP with same title - more replies / details there.


*******************************************************
*******************************************************

Kimitatsu

Thread has now been merged

Healy, I am sure you are probably right but I wondered whether it was worth querying as this was on the Derect.gov website:

You build up your entitlement to the full State Pension and other social security benefits by paying NICs on your earnings. You need to build up enough 'qualifying years' of NICs before you reach State Pension age.

If in that case it was just a case of enough qualifying contributions then there may have been room for manouevre - I know of people who have paid up their contributions for a pension.

mitchaa

I stopped reading when i read the fact you were driving a car with no insurance/tax, then sticking 2 fingers up at that and then begin to drive again on French insurance

I would normally call someone driving with no insurance an extremely unpleasant word but i'll hold back:mad:

A lot of this is down to your own wrongdoing.

I honestly think this thread is a windup:rolleyes:

healy

Kimitatsu wrote: »

Thread has now been merged

Healy, I am sure you are probably right but I wondered whether it was worth querying as this was on the Derect.gov website:

You build up your entitlement to the full State Pension and other social security benefits by paying NICs on your earnings. You need to build up enough 'qualifying years' of NICs before you reach State Pension age.

If in that case it was just a case of enough qualifying contributions then there may have been room for manouevre - I know of people who have paid up their contributions for a pension.

Yes as I said voluntary contributions help towards a state retirement pension but do not help for Incapacity Benefit.

Oldernotwiser

mitchaa wrote: »

I stopped reading when i read the fact you were driving a car with no insurance/tax, then sticking 2 fingers up at that and then begin to drive again on French insurance

I would normally call someone driving with no insurance an extremely unpleasant word but i'll hold back:mad:

A lot of this is down to your own wrongdoing.

I honestly think this thread is a windup:rolleyes:

I'm with you in thinking wind up; not 100% but heading that way.