daughter and grandaughter moved home so I loose my housing benefit.

sacbaby37

Hi I am unsure if I am on the right thread, but hopefully someone can direct me or help me.
I am a single mum with 2 children at home, I work 18hrs a week and get the usual benefits of working tax, child tax and I get housing and council tax benefits. My youngest daughter get DLA also.
My eldest daughter of 22 moved out over 2 years ago with the boyfriend, she now has my granddaughter who is 15 months, but is now a single mum herself.
She has had to come back home as she works 24hrs a week and couldnt afford to live in the house she was in, pay bills, child care ect. Now I have been told I loose my housing and council tax benefits completely as she works. To pay these extra 2 bills a week I will have to ask her for £120 to pay them and then food ect on top that she needs. Bearing in mind she still has the little one to pay for and she is trying to save money to be able to move out. We are in a 2 bedroom house but we made the walk in wardrobe into a very small box room for my 14 year old. My 17 year old is in the single room, and my granddaughter, my 22 year old and myself with the travel cot (as the normal size cot wont fit) are in the second bedroom which is not a double room. Can anyone tell me if this is right that they take my benefits away and to expect my daughter to pay my rent and council tax for me as I cant afford it on my money. Any help would be gratefully recieved.


Fed up with it all, :mad:

RAS

Who has told you this?

I would expect your daughter to be counted as a non-dependent resident and to pay the relevent NDP rates fro rent and CT.

What are the NDP rates for your Council for her income?

BigAunty

Find the non-dependents deduction table on your local council website. They should be the same nationally, here is a link to a council's info

http://www.manchester.gov.uk/info/500180/housing_benefit/4285/non-dependants-people_living_with_you_who_affect_your_housing_benefit_and_council_tax_benefit/3

The deductions will be based on her income - how much does she earn? Usually the deductions are quite modest - they only take off less than £85 from someone earning £400 a week, for example, so they've usually only an outlay of 20% but usually a lot less, of their income, to contribute to the kitty to deal with the occupiers reduction of HB/CT.

It is indeed the case that the government prefer that working adults that are related to each other in a household contribute towards the household bills rather than the public purse, that they should pay keep towards any HB/CT shortfall of the occupier they share with rather than expect the taxpayer to keep on subsidising them when there is money coming into the house from other sources.

However, it depends on their benefits, earnings, status of the tenant/homeowner and there are lots of exemptions.

I'm not aware that the overcrowding of your household will influence any of the deductions.

pmlindyloo

I agree with RAS.

Your daughter should be paying the non dependant HB and CTB deductions of your local authority.

Here is an example which shows the amounts:

http://www.islington.gov.uk/advice/benefits/counciltaxandhousingbenefits/Pages/non-dependants.aspx

You can look yours up by googling your local council + housing benefit+ non dependant.

Is your daughter receiving the correct tax credits? Is she receiving child support?

Is she on the council housing list?

Has she explored getting a private rental? She would be entitled to HB and CTB in her own right if she had her own place. You sound very crowded.

miduck

Worth noting that your daughters income, for the purposes of calculating the NDD, will include her tax credits.

somethingcorporate

Is your daughter not receiving any income from the father of her child?

[Deleted User]

Gosh! If my Mum had let my Son and I live with her for £120 per week plus food I would of snapped her hand off!!! I also became a single Mum at 22, so i'm not having a go, but even on minimum wage your daughter would be getting £148 ish wages plus at least £120ish tax credits and £20 child benefit, so thats nearly £300 a week before you even look at childcare tax credits or child maintenance from the Father. I don't get much more than that yet I can run a home and a car and have 2 foreign holidays a year, so i'm sure your daughter can manage and save some money?

karent_2

Maximum deduction seems to be £73.85 for HB, and £9.90 for CTB. So the most you will lose will be that. Hopefully your daughter can afford that, as she will have a minimum of £290 per week income. Then she can contribute half the bills, and her share of the groceries. If it's only short term it should be ok. If moneys tight there is lots of advice on other boards.

Sounds like it'll be a bit cosy, but I've returned home as the prodigal daughter with 3 kids. I paid my mum everything she lost, plus bills and food.It worked out ok, and I found my own place asap( a bit cramped for my liking, but it was ok as a short term solution).

Good Luck.

sacbaby37

Hi all thank you for your quick replies, now you all put it that way, yes she gets about £120 a week working tax and child tax, family allowance weekly and then her wages of about £550 a month. I must be too soft I think, I just didnt like the thought of having to take about £370 a month from her and thats without food, bills ect. The idea of her coming home was so she wouldnt have so much to pay out and hopefully save hard for her own place. Well it looks like i've got to get tough or get into debt. So here goes the new hard, give me ur money mum lol thanks again everyone, just the kick up the bum I needed xxxx

daimonde

this is likely to change with Council Tax Support, but for now, both HB & CTB are national rates.

going off her income, £120pw tax credits & £550pcm wage, so income of about £250pw, the max HB deduction would be £59.05, but you're losing more than that in HB, which it sounds like, cos you say you'll have to ask her for £120pw ?

then they may be taking the highest deduction. as said in above post, £73pw. this could be the case if theyre not aware of her income ? its not uncommon to use an assumed figure to take the highest deduction if theres no evidence of income. the highest deduction would apply for an income of £394pw+

might be worth checking.

sacbaby37

Ok thank you for that, I will have to take both our details to the council and get it checked. She will have to pay the extra whatever it is. Thanks again xx