Please help me - my partner has left me, don't know what to do.

zzzLazyDaisy

justjohn wrote: »

You will also need the house signed over to you. If you do not get a document drawn up your ex-husband could make a claim on the house at a later date.

OP you will not be able to get the house signed over to you.

Why? Because the lender must agree to this, as you will have to take out a mortgage in your own name. You have no income, so the lender is never going to agree to this.

However, as soon as you feel up to it, you do need to go and see a good family lawyer and find out exactly what your rights are. You have a child to provide for and while I hope your OH will be reasonable, it is amazing how quickly things can change sometimes. So do please find out where you stand (MSE'rs can only give you general info, and you need specific advice tailored to your own circumstances).

Re wtc. You have to work at least 16hrs a week to get wtc. BUT if you are self employed, that work can include advertising, designing leaflets (for example), speaking to people, etc. So you don't have to be earning every hour of that 16 hrs. In the first year or so many new businesses make no or little profit, but you can still claim wtc. I am just wondering if you might be able to start being self employed before your course ends, and get your business up and running, as a lot of the set up stuff can be done from home.

EDIT: just re-read your post. Do I understand that the house is in your partner's sole name? In that case he is unlikely to sign it over to you anyway (and unmarried partners have far fewer rights than wifes in this situation).

Have you put in a claim to the CSA?

BBBNH

karenx wrote: »

You wont get housing benefit on a mortgaged house. Nor will you qualify for interest relief as you dont own the house.

Im unsure if you will be able to claim any help with paying rent on your fathers house as its a family member who owns it

my dad has been fantastic, he doesn't want rent from me, not until i'm on my feet and established in my business, i'll just need to take care of the bills, but that's not until the end of this year when he moves away.

zzzLazyDaisy wrote: »

OP you will not be able to get the house signed over to you.

Why? Because the lender must agree to this, as you will have to take out a mortgage in your own name. You have no income, so the lender is never going to agree to this.

However, as soon as you feel up to it, you do need to go and see a good family lawyer and find out exactly what your rights are. You have a child to provide for and while I hope your OH will be reasonable, it is amazing how quickly things can change sometimes. So do please find out where you stand (MSE'rs can only give you general info, and you need specific advice tailored to your own circumstances).

Re wtc. You have to work at least 16hrs a week to get wtc. BUT if you are self employed, that work can include advertising, designing leaflets (for example), speaking to people, etc. So you don't have to be earning every hour of that 16 hrs. In the first year or so many new businesses make no or little profit, but you can still claim wtc. I am just wondering if you might be able to start being self employed before your course ends, and get your business up and running, as a lot of the set up stuff can be done from home.

EDIT: just re-read your post. Do I understand that the house is in your partner's sole name? In that case he is unlikely to sign it over to you anyway (and unmarried partners have far fewer rights than wifes in this situation).

Have you put in a claim to the CSA?

i could start as S.E now, as i'm fully qualified in indian head massage, i could do that mobile until i start renting my premises in june (in june i will be fully qualified in all areas) do you think this could work out better for me? if i did then i would have to ring tax credits and tell them i was both separated and now self employed, is this correct?

yes, the house is in ex's sole name, as i could never afford to help with the mortgage, not until my business becomes established. no claim has been put in to the CSA, the agreement was he would pay the mortgage and go halves with me on our child's clothes and food. i'm supporting myself and half supporting my child i suppose.

zzzLazyDaisy

BBBNH wrote: »

i could start as S.E now, as i'm fully qualified in indian head massage, i could do that mobile until i start renting my premises in june (in june i will be fully qualified in all areas) do you think this could work out better for me? if i did then i would have to ring tax credits and tell them i was both separated and now self employed, is this correct?

I can't say if you'll be better off doing this now, but if you go to the entitledto website and put in your income details as if you were already working, it will tell you what you are entitled to (put in any money you receive from the ex as maintenance)

no claim has been put in to the CSA, the agreement was he would pay the mortgage and go halves with me on our child's clothes and food. i'm supporting myself and half supporting my child i suppose.

Please go to the csa website and input the details. As the parent with child benefit you are entitled to receive maintenance. He is entitled to a reduction for the number of nights the child stays with him, but he still has to pay something. I think the offer to pay the mortgage is a bit of a cop-out as it is in his name so he doesn't have much choice. Have you considered renting privately? You'd get help with rent and council tax until you started earning more, and at least you would be more independent from him.

One other thing - if you go self employed you need to declare it to the tax man, as well as to WTC. You'd think the two departments would talk to each other, but apparently not.

BBBNH

zzzLazyDaisy wrote: »

One other thing - if you go self employed you need to declare it to the tax man, as well as to WTC. You'd think the two departments would talk to each other, but apparently not.

thanks for all your help

renting privately seems like so much hassle at the minute, especially as i'm moving to my dad's at the end of the year, but i suppose it's worth looking into.

would the fact that he's paying the mortgage be classed as maintenance money? not sure what to put for that on the entitledto calculation as nothing's been worked out yet.

zzzLazyDaisy

BBBNH wrote: »

would the fact that he's paying the mortgage be classed as maintenance money? not sure what to put for that on the entitledto calculation as nothing's been worked out yet.

It probably doesn't matter as maintenance is disregarded for tax credit purposes. But assuming he is not actually giving you the money, but continuing to pay his own mortgage while allowing you to live there rent free, then he isn't actually paying you anything anyway.

ps 'the end of the year' is 12 months away. A lot can happen in that time so it would be good to have a back up plan.

BBBNH

STUCKUPTART wrote: »

Why did your partner leave you eh???????????


Werent satisfying him enough eh :d:d:d:d:d:d


cant keep a man eh :d:d:d:d:d:d


you deserve everything you get ;);)

yes, well done. :T

i suggest you get a life and stop trying to wind people up on a forum.

zzzLazyDaisy

Stuckuptart's posts have been reported. Please don't reply it only encourages him.

BBBNH

zzzLazyDaisy wrote: »

Stuckuptart's posts have been reported. Please don't reply it only encourages him.

from working out my calculations on entitled to, i would be better off actually starting to work as self employed now, doing some mobile work in the evenings when my mum could help with childcare. i wouldn't be earning much, but it would help me build up a client base for the summer when i'm renting a premises. it would save me having to go on income support. the only thing worrying me though, is ringing the tax credits and explaining the situation, isn't going to look strange that we've separated and i've suddenly decide to become self employed?

mum2one

You can study while recieving benefits, as long as the study is part time, I'm studying with the Open Uni, but did look at the tradational college route, but personal circumstances meant open uni for me..

The 1st thing u need to do is inform the tax credits office that he no longer lives with you, then you need to speak to someone at the benefits office, as you would be entitled to income support as a lone parent, this would give you income suport, and then you would get tax credits of apr £217 per month.
You may find that you would be entitled to council tax rebate, - again you would need to inform the council offices of this.

Re CSA - yes presently he has offered to do x,y,z, but what happens if he changes his mind, - if you go down the income support route, you will not be entitled to all of the CSA, I think its either the first £5 or £20 - again the benefits agency would help you with the correct information.

As for self employed - basically your be setting the business up, but your have expenses as your have to rent the premises whether or not you get clients. What I would suggest - is look at staying on income support for now, as you can earn £20 per week on top of your benefit - you would still need to register as self employed with the tax office and obviously keep the benefits agency informed of any changes to income, this would give u a cushion to support you while the business starts off.
Its a look to take in, but you need to put you and ur child first. x

BBBNH

thank you mum2one, i didn't realise you could still earn up to £20 and still receive income support.