Circumstance change in IVA
Hi, I have an IVA and my husband also has one, this was only agreed on 30th March. Was looking forward to a much easier life with more disposable income than before.
Now it’s looking like our marriage is irretrievably over and I would like him to move out (we have a mortgage together and also 2 children who I don’t want to disrupt). I am trying to work out how we can afford to live separately.
I earn more and can afford the mortgage and bills for the house, but childcare is an issue (or will be if things go back to normal). My youngest is 3 in January so will get 30 hours for her then and it won’t be so bad.
I claimed tax credits about 2 years ago when my husband was self employed, but I have a debt of about £6000 that was included in my IVA, because we no longer qualified as he got another job. If living alone with 2 children and childcare costs I feel I should qualify for tax credits again but not sure if I should be claiming since I already owe them money.
Would I be entitled to claim again from hmrc even though I had a previous debt now in IVA?
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