tax credits advise needed

LauraLeah91104

hi, im on the search for my cousin for advise regarding her tax credits.
Her and her husband both work full time, he earsn £25k a year and she is on just over £20k a year, they have one 4 year old, who is looked after by a registered ofsted childminder at a cost of £750 a month. She has been on to tax credits who says she is not entitled to any help with cost. is this correct, i was under the impression u did qualify for TC unless u earned less than £60k a year? can anyone help. i know TC are particually scheming when they want to be from my personal experience with certain words etc. can anyone please be of any help. ive suggested my cousin head to CAB, but with her working full time, she only gets one day off a week and she just doesnt have the time to wait around for an appointment to speak to someone...
many thanks
:eek:

Indie_Kid

She will be entitled to basic tax credits of £545 per year; but not help with child care costs.

karenx

They earn 45k a year and want even more?

System

karenx wrote: »

They earn 45k a year and want even more?

I know the government have to means test benefits and I agree to this to a certain extent. However considering the OP's cousin and her husband are working productive members of society paying the guts of £6500 per year in tax alone between them I don't see the problem in them asking if they can get help with childcare costs.

They just happen to be one of the many middle income families who pay for everything and get little or nothing back.

LauraLeah91104

karenx wrote: »

They earn 45k a year and want even more?

yeah, whats so suprising about that. there mortgage is over £600 per month. and with over £700 in childcare fees alone, whats so unreasonable about that. they have always worked full time, never claims any benefits due to been a lazy sod who cant be bothered to work.....need i say more.
there is no need to b rude. if u got nothing nice or helpful to say then why bother? :mad:

calleyw

LauraLeah91104 wrote: »

yeah, whats so suprising about that. there mortgage is over £600 per month. and with over £700 in childcare fees alone, whats so unreasonable about that. they have always worked full time, never claims any benefits due to been a lazy sod who cant be bothered to work.....need i say more.
there is no need to b rude. if u got nothing nice or helpful to say then why bother? :mad:

You friends are not on the breadline. They have £2.9K a month coming in after tax. Their mortgage costs is their business and their choice.

There income is lot higher than most people on this board. Mine included. And no it is not about being lazy but about having a disabled husband and having a take a job that allows me to be be flexible and is not full time hours.

Also I am entitled to tax credits but choose not to claim for personal reasons. And no we are not that well off.

Society is about the better off helping the less well off. If they think they are going to be better off on benefits then I suggest they both jack there jobs in and try living off the money they get.

They are not entitled to tax credits and that is life.

Yours

Calley

Nara

I'd like to work more hours myself, but due to childcares costs and what i would earn it hardly makes it worthwhile. My partner earns to much for us to get any help with childcare costs, and my wages would work out to pay the costs and that would be it. It's a shame because i would like to work more but trying to get term-time, school hours work is near impossible.

All i can say is no they probably aren't entitled to any help and the new government are cracking down on benefits even more so its unlikely things would change, all i can say is when their child starts school the childcare costs should go down a bit as they will be at school for some of those hours?

Sam____2

If the child isn't already in a gorvernment funded nursery then get your cousin to move her to one if she needs help with paying for it. She should get 12.5 hours a week paid for as the child is over 3 years old...

calleyw

if they are already spending £700 a month why not a nanny/au pair.

Then they would have someone to take the children to and from school. Also they could help with shopping, cooking and cleaning.

Not sure on the going rate. But if they are live in that would make it cheaper?

Just a idea.

Yours

Calley

isy1011

What about childcare vouchers? Can they use those? We used to save a fortune by using those. They need to ask their employers?

LauraLeah91104

calleyw wrote: »

if they are already spending £700 a month why not a nanny/au pair.

Then they would have someone to take the children to and from school. Also they could help with shopping, cooking and cleaning.

Not sure on the going rate. But if they are live in that would make it cheaper?

Just a idea.

Yours

Calley

what a gud idea, will suggest that thanks x