Partner works but struggling to get by because of me.

Indie_Kid

lolls89 wrote: »

Thank you for your reply.

He earns too much for council tax benefit and we have a mortgage.
I'll have a look at that forum thank you.

I've looked at the PIP but I find it very confusing. As some of the criteria I can't do and others I can but it causes me alot of pain.

Yes I am still under a consultant, being referred on to a specialist and I attend physio once or twice a week.
Yes it seems like its going to be a long term problem and they have told me to only expect to gain 80% use back.

If you can do something with a lot of pain, you're treated as if you can't do it. And you have to be able to repeat the activity safely.

sheramber

McKneff wrote: »

A statement of Affairs, if someone would be kind enough to post a link up for you.


If the company pays his tax and NI I would question whether he is self employed or an employee, sounds a but suss to me.


Does he get paid holidays.

The Contruction Industry Scheme is a special scheme for subcontractors in the construction industry by which the main contractor- otherwise known as employer- deducts tax and NIC from the payments,( which ensures these amounts are paid )

The subcontractor is treated as self empployed by HMRC.

He completes a self assessment return each year to confirm whether too much or too little tax has been deducted.

sheramber

All tax deducted will be set off against tax and class 4 nic due , as assessed under self assessment.

outoffunds

Blondebubbles is right only tax is deducted by the contractor not national insurance, the sub contractor has to pay their own NI.

mark24c

Is a lodger possible?

allen35

It sounds as though the main stumbling block is the mortgage payments, can you discuss with your provider and request a holiday or reduced payments for a while until your back on your feet with reduced outgoings.

A visit to a debt adviser to assist with reducing the non priority debts is also an option.

lolls89

His employment status is all completely above board and pretty standard in his industry, he doesn't get paid holidays or sick pay, they definitely pay his tax on his behalf and I think he pays his own NI.

If someone could link the SOA that would be great.

Thank you

lolls89

mark24c wrote: »

Is a lodger possible?

No, there's 3 of us in a two up two down.

allen35 wrote: »

It sounds as though the main stumbling block is the mortgage payments, can you discuss with your provider and request a holiday or reduced payments for a while until your back on your feet with reduced outgoings.

A visit to a debt adviser to assist with reducing the non priority debts is also an option.

We requested a holiday period before and it was denied, I can;t remember the reason why, but we may try again thank you. We can't reduce the payment as were paying arrears as well.

My partner is going to give step change another ring tonight.

lolls89

Indie_Kid wrote: »

If you can do something with a lot of pain, you're treated as if you can't do it. And you have to be able to repeat the activity safely.

Thank you. I think I might give them a ring. I feel really guilty applying for it.

rogerblack

lolls89 wrote: »

Thank you. I think I might give them a ring. I feel really guilty applying for it.

If I understand the facts right, there is no point in applying for ESA.
Because you do not have enough contributions and your husbands income is too high, you will not be paid.
If the child benefit is paid to you (or is transferred over to be paid to you), then your pension contributions will be paid by that.