Newbie Q's: Welcome Finance - Bankruptcy Fee - Pets

blind-as-a-bat_2

mazzatee I cant PM you as requested as you have your settings to no PM,s

mazzatee

Hi Bat

Wot an idiot am I!

Hope I've changed my settings correctly and wait to hear from you

eselt

Hi again- hope things are OK.

Get me out-brilliant idea about credit union, I would never have thought of that!!! I think you may have the answer there.

Another couple of ideas:
As well as working tax credit, have you claimed housing benefit and council tax benefit? Even though you are working you could be entitled on a sliding scale?

If you don't qualify at the moment, it might be worth you claiming incapacity benefit (because you have a mental health illness which is under clinical supervision) and going part time (you can still work and earn up to about £80 a week)- that way your entitlement to all benefits would be dramatically improved, and working part time might give you the breathing space to sort this out-50 hrs a week, plus health problems sounds like a tall order for anyone going through all this as well. Just an idea- you've obviously paid national insurance and you do have a debilitating illness.

Keep posting, people on this site are so genuine and really do want to help you.

shadowdragon

eselt wrote: »

Hi again- hope things are OK.

Get me out-brilliant idea about credit union, I would never have thought of that!!! I think you may have the answer there.

Another couple of ideas:
As well as working tax credit, have you claimed housing benefit and council tax benefit? Even though you are working you could be entitled on a sliding scale?

If you don't qualify at the moment, it might be worth you claiming incapacity benefit (because you have a mental health illness which is under clinical supervision) and going part time (you can still work and earn up to about £80 a week)- that way your entitlement to all benefits would be dramatically improved, and working part time might give you the breathing space to sort this out-50 hrs a week, plus health problems sounds like a tall order for anyone going through all this as well. Just an idea- you've obviously paid national insurance and you do have a debilitating illness.

Keep posting, people on this site are so genuine and really do want to help you.

You dont automatically get full housing benefit or Council Tax rebate when Claiming IB or DLA, both my partner and I are on these and only get a small contribution to Rent and no CT rebate. If you can get Income Support that is different as you automatically qualify for rebates.

blueopal5577

Working tax credit is something i actually hadnt considered. Just presumed it was more for families. I didnt earn a lot last tax year but will do this year. May have to post on the benefits board and learn a bit more about how its calculated.

Didnt know anything about the trusts idea, will definately apply... all I can waste is time!

Thank you to everyone. Ive already got seperate tabs open exploring these options!

Rainbow_Butterfly

https://www.entitledto.co.uk/

Have a look at this website, it shows what tax credits and benefits you are erm.. entitled to. I get £400 a year just for myself (plus child element on top) so you can definitely get it if u dont have kids depending on income. xx