Very complicated, anyone who can help?

Janep

Thanks for your replies, as I said I am appealing the decision, just in case they rule against me (and I don't think they can, but you never know with HMRC) if it comes down to whether they believe me or not.

I am extremely worried financially as I will not be able to manage on my £695 per month from my job!!

What would I be able to do financially?? I am so scared that we would have to sell the property and I would be forced to live alone with my children (still extremely nervous about what happened in my past).

rogerblack

'Have to live alone' - if you are truly not in a relationship, this could occur at any point, if your friend became involved with someone.
It's something you should be planning for the eventuality anyway.

Janep

rogerblack wrote: »

'Have to live alone' - if you are truly not in a relationship, this could occur at any point, if your friend became involved with someone.
It's something you should be planning for the eventuality anyway.

I have planned for this, my eldest daughter has her own property 200 miles away and if push comes to shove and my housemate wanted to sell the property then she would let me and the children stay with her, but I shouldn't have to uproot my children and move 200 miles away because HMRC deem we are "in a relationship"

xylophone

I do not have a will

Might be an idea if you made one.
http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingMoney/PlanningYourPersonalFinances/DG_10013642
Would you not wish to name a guardian for your children if the worst should happen?

FBaby

YOu haven't stated but who pays the mortgage? Him on his or do you pay towards it to? If so, do you claim HB?

Janep

I have arranged with my sister to take the children if anything happens to me.

I do not pay mortgage, as I have already paid for my half of the house. My housemate pays the mortgage as it is only in his name and if I had been named on the mortgage I would have been responsible for it had he defaulted on the mortgage. This was agreed when we bought the house and this was stated in the Deed of Trust drawn up by the solicitor.

xylophone

I have arranged with my sister to take the children if anything happens to me.

It seems to me that a will and formal appointment of a guardian would be wise.

Janep

I understand what you are saying, but this is irrelevant to my original post!!

FBaby

sorry I must be thick, but if you don't pay anything towards the mortgage, what benefit does he gain from living with you? He clearly pays a lot more than he would do on his own in a one bedroom place. Is it only for the purpose of investment? I am asking as I guess DWP might do too.

rogerblack

Janep wrote: »

I understand what you are saying, but this is irrelevant to my original post!!

It's actually not.

However, anything you do at this point is largely irrelevant.
If, for example, you had got a will, leaving everything to your sister, and arranged the guardianship for your children in the event of accident, then that would have been additional evidence to point to the fact that you're not a couple.