benefits help please

DEPTFREE2010

hi to cut a long story short, my hubby has left me and i wont be able to pay the rent ect. i have a 10 yr old daughter and work 33 hrs a week could someone please help me find the right people to talk to as i have no idea.

many thanks

alwaysonthego_2

Hi Jenny sorry about your prediciment.

How much do you earn?

You need to inform tax credits and start a single claim.

If you are short on rent you could apply for a discretionary housing payment.

Depending on your income you could be entitled to help with your rent and WTC, CTC.

Contact the LA and get your 25% discount off your council tax.

DEPTFREE2010

thanks

just informed tax credits and our joint claim has been stopped and they say i may owe them money, also my single claim can take 4 to 6 weeks to come throught so now ive got no money at all

not sure who else to contact so any help would be good

alwaysonthego_2

If you could post your income we could point you in the right direction.

DEPTFREE2010

here goes

wages 1050
child benefit 80

rent 495
c/tax 90
water 40
elec/gas 88
car insurance 20
tv licence 20
petrol 40
phone 20
mobile 15
internet 13
sky 20 (getting rid of)
violin lessons 50

shopping/dog&rabbit food 219

i have debts too but im going to have to go br end of the month as there is no way i can pay them

alwaysonthego_2

jennysandercock wrote: »

here goes

wages 1050
child benefit 80

rent 495 find somewhere cheaper to rent
c/tax 90 don't forget your 25% discount
water 40
elec/gas 88
car insurance 20
tv licence 20
petrol 40
phone 20
mobile 15
internet 13
sky 20 (getting rid of)
violin lessons 50

shopping/dog&rabbit food 219

i have debts too but im going to have to go br end of the month as there is no way i can pay them

You should get WTC,CTC aswell.

You could get help with your rent, apply at your Local authority.

Try www.entitledto.co.uk for a guide.

Apply to your local authority for a Discretionary housing payment which will help cover any shortfall in your rent.

What sort of debts do you have? Are they priority (rent, CT, electric,gas,water)? or non-priority?

How much are your debts?

(I am trained in debt advice so I might be able to help you out)

DEPTFREE2010

thanks

the debts i/we have are 23,000 mortgage had house repo earlier this year, loans and credit cards

the house we are in is a tiny 2 bed and is the cheapest we could find council wouldnt help as we made our selves homeless haveing the house taken off us(hubby lost his job)

the c/t is with the 25% off


we did get £73 a week w/t & c/t but told them today and they say it could take 4/6 weeks to look at it and the £73 i had with hubby has been stopped

alwaysonthego_2

Well your debts are non-priority!

My advice is if you have a credit card debt/loan etc with the bank which your salary gets paid into you need to change your bank account otherwise they can access your money.

You need to pay your rent, CT and utility bills over your debts.

Any money you have left over you should negotiate with your creditors offer them a pro-rata sum. Your husband, if he has his name on the debts, is jointly liable. I would advice you to approach the CAB who should take you on as a debt client because you are a singe parent.

DEPTFREE2010

thanks for the help, will contact cab on monday

my wages get paid in to lloyds tsb clasic account with no o/d so i dont owe them anything

hubbys name is joint with the debts but he isnt working as lost his job and cant find anything but he will have to soon when he moves out of his mums

alwaysonthego_2

jennysandercock wrote: »

thanks for the help, will contact cab on monday

my wages get paid in to lloyds tsb clasic account with no o/d so i dont owe them anything

hubbys name is joint with the debts but he isnt working as lost his job and cant find anything but he will have to soon when he moves out of his mums

If you have not got the mortgage arrears, loan or credit card with Lloyds then your money is safe.

Good luck!

DEPTFREE2010

nothing is tied to lloyds tsb so that should be ok, thanks again for the help i had no idea where to start as splitting from hubby came out of the blue