What might I get if we split?

Hornyrhino

I can't stick it out much longer with my boyfriend, I just don't love him anymore. We have a 15 month old son together. I work part time and he works full time. At the moment we receive £10 a week tax credits and about £70 child benefit a month. We have a mortgage. If I was to ask him to leave and move back in with his parents, what money would I be entitled to by the government?

Sorry if this is a litte vague...im just confused.

Zara33

Hornyrhino wrote: »

I can't stick it out much longer with my boyfriend, I just don't love him anymore. We have a 15 month old son together. I work part time and he works full time. At the moment we receive £10 a week tax credits and about £70 child benefit a month. We have a mortgage. If I was to ask him to leave and move back in with his parents, what money would I be entitled to by the government?

Sorry if this is a litte vague...im just confused.

From the goverment how about what you are entitled to from the father of your child for a start.

kelloggs36

If you work 16 hours per week or more then your tax credits will increase - you will probably get working tax credits in addition to the child tax credits. Depending on your income you may get Council tax benefit (you would automatically get a 25% reduction if you are a single parent anyway), and your newly ex bf will have to pay 15% of his net income to you for child support. If you can afford to pay the mortgage then great, if not, then you may have to consider moving out into rented accommodation whereby you may qualify for housing benefit as your bf will be hard strapped to pay you 15% of his income AND the mortgage AND housing costs for somewhere else. Perhaps if you moved then he may fare better. However, if you work less than 16 hours per week then you would get income support, but will have to wait for some time before you get help with your mortgage, and you will only get a tenner per week child support from your ex.

DaisyFlower

I am assuming he is aware your planning to ask him to leave and will do so amicably?

He would have to pay 15% to the CSA for one child unless you share custody. You would still get family allowance and CTC - depending on your hours and income you may get WTC. As for your mortgage, you wont get any help with that from the government so you'll need to work out if you can meet the payments whilst buying out your boyfriends share.

kelloggs36

DaisyFlower - she may get help with her mortgage if she gets income support, but she will have to wait for it. She will eventually get help with the interest payments.

Hornyrhino

Thank you to everyone who has responded to me, really appreciate.

I know I asked about what I would be entitled to off the government, when I should have mentioned what I would be entitled off my ex.....I just felt a bit lousy mentioning maintenance of him because its my decision to split with him.

15% of his wages would cover the mortgage and bills so I could still afford to live in this house, i'd just have to be much more careful with my money to make sure Jakob has everything he needs.

I work 30 hours a week, does this make a difference to what I would recieve?

My boyfriend is aware that something isnt right between us, but don't think he will be expecting me to tell him I want to call it a day. He could be really really nasty about this, or be understanding as this is my sons home and will not sleep anywhere else other than his bedroom. Plus, when we bought this house, I put down a £20K deposit out of my own money and have pretty much bought everything in it. We have been here 3 years, so he has contributed to the mortgage for 3 years.

Im by no means going to stop access to his son, I want him to see him as much as possible. I just hope all this can be amicable

x

kelloggs36

Good luck - you will be entitled to tax credits and should call them as soon as you split as they will need to adjust your payments. As you work for 30 yours it means you qualify for the higher rate of working tax credits (depending on your earnings though of course) and all other benefits are dependant on your income, so you will need to check this out. Try the entitled to website which is fairly accurate but don't rely on it! If you don't go through the CSA for maintenance, anything you get from your ex will be counted as income for tax credit purposes, so you may lose out if you don't go through them. The negative side however, is that you can't guarantee that your case will go through easily - it could get stuck on the system and have to go clerical, so that could take ages to sort out. However, you could agree with your ex that he pays 15% and put this in writing to the CSA when they eventually get round to calculating it for him so that he doesn't get stung twice as it will be taken from the date they first told him that you had a claim.

Hornyrhino

Thanks Kelloggs, I dont really understand much about the CSA, so thanks for the advice about it possibly getting stuck in the system, I will bare it in mind.

You have all been so helpful..x

enemes

Hornyrhino wrote: »

Im by no means going to stop access to his son, I want him to see him as much as possible. I just hope all this can be amicable

Hi

I admire your honesty, with him and yourself. However, I do have one peice of advice ... and that is, should you split from your boyfriend, get everything in writing. It maybe that you will act like adults to start with ... but believe me, just cover your back.

The prospect of paying legal fees is daunting enough, and most people agree things, somewhat falsley, to prevent those costs. Your cheapest "contract" might well be the CSA, you know it is being monitored.

One day in the future, your ex may well get together with his new love of his life, and when she starts interfering with your arrangements, you will be glad that you had something in writing, and especially for your son's sake.

Good Luck

::OMG::

hornyrhino??? Is that not a name I would expect form a bloke on some dubious adult site ....

Hornyrhino

Enemes, thank you so much for that advice.

OMG, its actually just a name I made from a teddy rhino that I have....sorry to dissapoint.