Reclaiming financial hardship if married?

JennaRichards

Im married, we have a morgage and my husband earns a good wage.

However, on a personnal level, i am in the mist of setting up a business, have about £10k in personnal debt (out of necessity, not frivalous buying... ie: paying car insurance etc, tax bills cos if i had taken it from my months wages i wouldnt have had enough left to pay bills afterwards etc... all from past years).

I cant get my business running until ive paid for the final things i need, and my current income in low, and i have no spare time to get a part time job.

My husband already pays for most stuff and he cant afford to keep me, and i think its unfair to expect him to.

I could really do with these bank charges back... but am guessing because i am married i cant claim under the hardship rules even though i am struggling?

natweststaffmember

No it's not because your married but because your household income and expenditure MAY be in positive territory and therefore they will decline financial hardship.

esmerellda

It is your household income which is taken into account when deciding hardship yes. You don't sound as though you have any priority debts as they are covered by hubby anyway. So I think your assumption is right that you wouldnt get through under hardship rules.

You should still of course put your claim in for charges refund but I wouldnt expect it to go anywhere fast.

Regards your tax bill - whats your situation with that ?

esmerellda

damn you nathaniel

natweststaffmember

esmerellda wrote: »

damn you nathaniel

That's what happens when you do not have your MSN on

esmerellda

I'm hiding from YOU !

natweststaffmember

esmerellda wrote: »

I'm hiding from YOU !

Damn, my stalking days will be over soon


Apologies for the thread hijack.