does this look right

ajaney

My take on this is:

If your Hubby is bringing £1500 home after tax on most months, what you should do is look back over the payslips for the last 12 months if you have them, add it up & then divide by 12 to get an average amount.

If your top line pay is going to be 16K, then your pay after tax will be around
£1,050 after tax based on a 37 hour week & including both Tax & NI.

You may also be entitled to tax credits as well plus help with those Childcare costs.

How long till you restart work? Can you hang on until then before doing a revised SOA as if you have given the CCCS the figures from the SOA above, you may have appearred to have no surplus which is why they couldnt help you. It would be much easier/better to let them handle this for you.

Well done on trying to put your house in order.

Mimi_Arc_en_ciel

I cant do that with his pay slips as his over time isnt gauranteed. From Spring till Autum he gets a good amount of overtime - some days he goes out at 6am and doesnt return until 10pm, hes a site engineer and works all over the UK, they pay him for travelling and for over night stops etc BUT it isnt gauranteed. If he was to be in the office all month his wages would reduce significantly so CCCS advised me to put down £1000 as an average.

We already do get child trax credits and its £10 a month but have been told when i go back to work they need to review it.

Im trying to get my start date sorted. They offered me a job but wanted a medical background check on me - which was done last week - and they said everything is fine and they will be in touch so im hoping they call me this week to start next week.

We will get help with child care - already spoken to tax credits - but we aren't entitled until i start work.

I'm gonna call CCCS again when i go back to wok but i dont want to be hanging around for years when this can get paid off sooner.

there is only one DCA that is pushing us to start this ASAP which is Lowell - already posted another thread about ways in trying to "stall" them for payhment - sending out a CCA today as i doubt they will have this and if they do it will still give me a few days to find out my start date etc and to get the ball rolling

Incisor - i didnt mean it rude btw x lol i dont have a clue about the APR's etc - to be honest the only debt ive had is a mobile phone one which i paid off, never had a credit card or loan so im pretty dumb in this area. OH can't remember what happened yesterday so he has no chance remember what happened two years ago and he hasnt got paperwork. Hes tried ringing barclays etc but due to his working hours he gets the out of hours team who are about as useful as a snow cone in the sahara.

Whats happens if Lowell dont have the CCA? Ive sent some before for OH but they've all sent back saying they dont have the CCA and have returned it to the origional company and this has been done within the 12+2 days. What do i do if Lowell dont respond?

(thanks everyone though, i do apreciate the help even if sometimes it seems i dont! x)

Mimi_Arc_en_ciel

Incisor wrote: »

It's OK. I can see that it has become a bit out of control :eek:, so you are struggling to get the facts. You need to write and get the details of all of the debts - amounts, number of payments and APR's. If you have any choice of how much to pay on any of them, go for reducing the ones with highest APR first, or if you are under pressure but you could completely wipe out one, it might pay to go for that. Get the details! You can to some extent reduce the pressure by choosing how to go about wiping them out.

Hiya, sorry been a bit busy to reply.

The amounts on the letter i put are correct atm. As far as i am aware he has only ever made one payment to mackenzie hall - the rest he buried his head in the sand and ignored. TGhe apr's i have no idea and neither does he. Ive sent of CCA letters but never had a completed one back, they have always passed them from one person to another. I dont think it would be worth us wiping one out at a time, this will take too long and they will probably just take him to court to get a CCJ which i dont want him to get, he already has one, one is enough. The idea was to wipe them all at the same time so that is essentially fairly. If we wipe out one of the lower ones, then the big ones will kick off. Need to call CCCS but at the moment im too busy during the day - we've got the house keys to the new place today and we need to sort it out so we can move ASAP to reduce the rent payments. I'm gonna try and call them when i can tho as i know its important but it would be easie if Jay called them i think

bella2121

are you sure you receive help with child care?? i was earning around £12000 per year and OH about £16000 and we where told no help with childcare or no working tax credits only child tax credit approx £40 per month

Mimi_Arc_en_ciel

bella2121 wrote: »

are you sure you receive help with child care?? i was earning around £12000 per year and OH about £16000 and we where told no help with childcare or no working tax credits only child tax credit approx £40 per month

Yeah we do - They checked it for me and said we would get get help and to submit my offer of emplyment with my wages on and they wanted the last tax years pay etc - also asked my cousin to double check it, she works in the stirling office for the tax credits so shes checked all our paperwork and the figures.

Incisor - im gonna call CCCS again and see if they can help - ive wrote to lowell and asked for a CCA so will wait to see what they say and will get OH to send a letter to get APR's - is it a CCA he needs to send? or is there another letter to send? thank you for your help - your a star

bella2121

I just think it is so unfair the way the system works, we earn as a family less than you but yet you get help with childcare?? not a dig at you i think your very lucky, but i wonder why i have to work every night to support my family, yet spending no time with OH! The tax credits system is a sham I was told that as me and OH earned more than £15000 between us that there would be no help!!

Mimi_Arc_en_ciel

bella2121 wrote: »

I just think it is so unfair the way the system works, we earn as a family less than you but yet you get help with childcare?? not a dig at you i think your very lucky, but i wonder why i have to work every night to support my family, yet spending no time with OH! The tax credits system is a sham I was told that as me and OH earned more than £15000 between us that there would be no help!!

do you get working tax credits or child tax credits because we arent entitled to them bu we are childcare. I've spoken to a few people in same situation as us, where we are earning a high amount and they dont recieve credits either but get childcare vouchers?

bella2121

No i was told by tax credits that the childcare payment was a part of the working tax credits and that i wasnt entitled to working tax credit as we earn over the £15000 threshold that we would get no help with childcare costs Its fine now because i dont work days just evenings so dont need child care but at one point i was working full time earning about £850 a month and paying out over £400 a month for child care, its ridiculous, but if your getting the help then good luck to you, i think all working families should be entitled to some form of help with childcare