seperated with one child~~

smileyrach_2

Hi there i wonder if anyone would be so kind as to give me some advice?

I have recently seperated from mu husband after 12 years (been seperated 3 weeks) no going back hes already with someone else.

I am currently living in our house with pur son (4yr old) my husband pays the mortgage and bills as i havent worked since having our son so have no income and have to rely on tax credits and my husbands payments to pay the mortgage etc.

Since i dont work and would not be able to afford the mortgage on my own we are putting the house up for sale and splitting the profits i am then going to move back in my mom and dads house with my son.

does anyone have any idea what im entitled to as a non working single mom when the money runs out from the sale of the house? i dont want to stay with parents long ternm as i would like me and my son to have our own place in the future xx

Kayalana99

Have you updated tax credits/other benifits to your situation? You make it sound like you have nothing but with a child the benifit system *can* be pretty generous? Are you claiming everything you have?

Do you realises your husband will have to pay CSA which is about 15% of his wages I belive minus a certain amount for days he has your son (see CSA website for more details thier)

http://www.turn2us.org.uk/benefits_search.aspx

http://www.entitledto.co.uk/

I think the 2nd one is supposed to be the better one but I havnt tried it..

RAS

You can claim the mortgage interest? Have you done that? Put in a claim for Income support? Council tax single person's discount and benefit?

www.turn2us.org.uk

smileyrach_2

hi thanks for your reply i have not notified them yet as i wasnt sure until yesterday that we are not getting back together. he sees our son every other day for an hour or two. hes also self employed and has said that he will give me something towards the upbringing of our child once the house is sold. Obviously i will be looking for work but i have noone to take and fetch my son from school so need something to work round that. Im also a carer for my mother so can only earn up to a 100 a week so i think this will be a difficult time ahead x

BJV

Can not offer any advice about financial help but just wanted to say that i hope you are OK. It must be very difficult. Good luck. It will not be easy. You son and mum to look after?

Kayalana99

Get on the phones hun..I think you'll be shocked at the amount benifits you are entitled to... lol

Also maybe look into childminders...obvouisly this wont be in your area but if you look at this link it shows you what they would actally do & cost of picking up from school/taking to school.

http://www.robertkydd.com/kyddcare/fees.html

Im not sure how the whole career thing works, sorry x

RAS

smileyrach wrote: »

hi thanks for your reply i have not notified them yet as i wasnt sure until yesterday that we are not getting back together. he sees our son every other day for an hour or two. hes also self employed and has said that he will give me something towards the upbringing of our child once the house is sold. Obviously i will be looking for work but i have noone to take and fetch my son from school so need something to work round that. Im also a carer for my mother so can only earn up to a 100 a week so i think this will be a difficult time ahead x

He is blackmailing you.

As a self-employed person it is going to be extremely difficult to ever get any Child Support from him. If you wait until the house os sold, you will be stuffed.

However, you are legally entitled to 15% of his income.

How many bedrooms do you have?

kingfisherblue

As a single parent, you can claim income support, but this usually changes to JSA once your child is 5. However, as you are a carer, you have an underlying entitlement to IS, meaning that you can stay on IS instead of transferring to JSA. I am assuming that you receive Carer's Allowance, as you refer to the £100 a week rule (re wages).

Obviously whatever work you get would have to fit around your caring responsibilities, and as everything is still fresh and painful, you might want to give yourself a little time to let the dust settle. I would claim IS first, then concentrate on thinking about paid employment later - after all, caring for someone is work in its own way.

You can claim free school meals, free prescriptions, help with transport to hospital appointments, and possibly a school uniform grant (if available in your area) when on IS. You can also claim child tax credits.

You will get some help with council tax if you are liable to pay it - it depends on whether you are classed as a non-dependent at your parents' house, or if they pay in full already.

smileyrach_2

the house has two bedrooms

Kayalana99

RAS wrote: »

He is blackmailing you.

As a self-employed person it is going to be extremely difficult to ever get any Child Support from him. If you wait until the house os sold, you will be stuffed.

However, you are legally entitled to 15% of his income.

How many bedrooms do you have?

I think your missing he is paying the mortage so unless that is less then 15% percent he is actally being more then generous on what he has to pay as long as that stands untill house is sold. (I got from your first post OP that he is no longer paying the bills tho?)

RAS

I was aware that he is paying the mortgage, but since the OP is entitled to claim the mortgage interest, once she does that he should be paying the CSA.