Reassessment query!

mildout

Hi,
I'm about to be reassessed as the NRP under CSA1 and looking for advice if possible.
I have rather unconventional housing costs or at least the payment of such ie not my mortgage and it would'nt be regarded as rent but i do pay my proportion. Not sure how to express my housing costs to the CSA. I would also rather not include my partners details, i believe i don't have to.
Does this simplify the assesment in that it would be my net income minus personal allowance multiplied by a maximum of 30% at most, its for 2 children.
Thanks

krashovrload

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I'm not sure what they'll do - they should make some allowance for rent/mortgage/lodging costs as you normally have to pay to live somewhere...

...But then this is the CSA we're talking about!

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Crellow4

If you live in your partners home you would be allowed the rent or mortgage due on this property - whether it's in your name or not. Without further information about why your housing cost is unconventional, this is the best advice I can give.

krashovrload

Crellow4 wrote: »

If you live in your partners home you would be allowed the rent or mortgage due on this property - whether it's in your name or not.

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That seems a bit harsh - if you live as a couple/family in the property then there should be a realistic expectation/allowance that you should be contributing to household expenses...

...or is that how they get you to reveal what income your partner has?

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Crellow4

I'm not sure whether you've misunderstood me. In the formula you will be allowed ALL of the rent or mortgage (possibly restricted to half your net income), whether its in your name or not. How is that harsh? Personally I think it's generous to attribute all of the costs to you, but that's how it is. The PWC can apply for the housing costs to be 'shared' between you and your partner by way of a Departure. If she doesn't do this, you will be allowed all the rent or mortgage.......

mildout

Hi, thanks for the responses. Trouble is I have little in the way of proof of my contributions to housing, hence my comment about it being unconventional. If its a 1K mortgage and I pay £500 for example will they take my word for this and would they then take £115 off my weekly net income before calculating my payments.

The other point I was asking is, is it the worst case example if they don't take any housing into consideration: my net income minus personal allowance x 30% (as i believe this is the maximum) eg £400 - £50 x 30% = £105 per week.

Also do you know if they take work expenses ie what i get for work mileage as part of my net income?

Thanks again.

krashovrload

Crellow4 wrote: »

I'm not sure whether you've misunderstood me. In the formula you will be allowed ALL of the rent or mortgage (possibly restricted to half your net income), whether its in your name or not. How is that harsh?

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Apologises - that's my error!

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galangm8

mildout wrote: »

Hi, thanks for the responses. Trouble is I have little in the way of proof of my contributions to housing, hence my comment about it being unconventional. If its a 1K mortgage and I pay £500 for example will they take my word for this and would they then take £115 off my weekly net income before calculating my payments.

The other point I was asking is, is it the worst case example if they don't take any housing into consideration: my net income minus personal allowance x 30% (as i believe this is the maximum) eg £400 - £50 x 30% = £105 per week.

Also do you know if they take work expenses ie what i get for work mileage as part of my net income?

Thanks again.

You've obviously been assessed before, did they let you pick a figure, without proof, for your housing costs then?

You'll be lucky if you get away with the minimum £80.00pw housing costs without proof.

Crellow4

The maximum you can be assessed to pay is 30% of your income less tax, national insurance and half your pension contributions - there is no deduction for a personal allowance. So using your example; £400 x 30% = £120.
You will only be allowed housing costs if you send in evidence of the mortgage due - ie what your partner is liable to pay - not what you contribute. You will need to send in evidence of the balance outstanding, interest rate, term and type of mortgage.
Work related expenses will be disregarded if they are not taxable as is generally the case with mileage.