I have nothing and in bad debt need honest advice!

Marisco

Hi Skint, yes her benefits would be affected if you moved in. She would lose her 25% single allowance on Council tax, and they would include your income for Tax Credit assessment (that's WTC not sure about CTC) For WTC purposes its household income that is taken into account. When they first came out I applied, because I was on a low income and thought it just went on my income, but because they took household income into account and it was over the threshold I never got any. Yet my work colleague who was on exactly the same income as me, but lived at home with her mother got it! So it must just go on "household" if your married or have a partner, as opposed to bothers and sisters and parents etc. Which I happen to think is unfair, and I told them as well, the lass I spoke to agreed but "those are the rules"!!:mad: A household is a household no matter what the composition of it is - or should be.

bargainbetty

The only way your income would not affect her would be if you were not her partner. My lodger and I had to fight tooth and nail to get his housing benefit sorted, and they tried to tell me that I should support him. I had to walk into their offices, demand a meeting and hand them a written statement confirming he was my lodger and not in any way my lover or partner, and even go so far as to offer my phone so they could call my real boyfriend before they would accept we weren't a couple.

If you two have kids together, you will not be able to do it. Perhaps your future together needs to be a little slower moving - try courting for a while and living separately - it might help you not split up again if you both have some space.

Good luck x