Child tax credits

Zara33

ohreally wrote: »

It's not his child, it's their child - or perhaps that doesn't apply to your perspective? You also fail to be cognisant that she could have insisted on his covering up....plus one could also factor in family planning or is that irrelevant and to be blamed on him also?

It will not be their child as he does not want it, they both didn't want children if they were so adamant about this then they both should have used precautions as the OP has already stated she was using contraception :rolleyes:

mummytofour

Before this tread ends in a clash of opinions, just an idea of childcare, we pay £160 per week, but some nurseries charge £50 per day.
Please altho money in vital to live dont let that be your deciding factor on weather or not to keep your baby.

Snuggles

ohreally wrote: »

It's not his child, it's their child - or perhaps that doesn't apply to your perspective? You also fail to be cognisant that she could have insisted on his covering up....plus one could also factor in family planning or is that irrelevant and to be blamed on him also?

That's a little harsh. Zara is entitled to her view, and you could indeed argue that if a man doesn't wish to father a child he should take his own precautions, irrespective of whether or not the woman is taking contraception.

As it happens, in my situation, I was on the pill and was happy to rely on that, and did not insist my partner also took precautions, which I could have done. I feel that the pregnancy is my responsibility, and having the baby is my choice, and I don't expect the father to have to just go along with whatever I decide, when we had discussed this issue during our relationship, and were both clear we didn't want children. I had actually always said that if I did accidentally fall pregnant, I would have a termination, as I really never wanted children. But now that I am pregnant, I feel differently. I can't expect his feelings to change, just because mine have, and I don't want to force something on him which he never wanted.

Snuggles

mummytofour wrote: »

Before this tread ends in a clash of opinions, just an idea of childcare, we pay £160 per week, but some nurseries charge £50 per day.
Please altho money in vital to live dont let that be your deciding factor on weather or not to keep your baby.

Thanks for the info.

I am worried about money, mostly childcare costs, as I would have to continue to work full time to pay my mortgage etc, but I will manage somehow )

Zara33

Snuggles i shouldn't have got on my high horse... i hope i have helped answer your original query, all the best and good luck

msmicawber

Kazmeister, the rules have since changed. Here's a quote from their web site:

Income changes

As the amount of tax credit you get depends on your annual income (or joint income if you are part of a couple), you should tell HMRC about changes to your income. Your tax credits award is based on your annual income (for couples, this is your joint income).
Tell HMRC straight away if your income changes.
If your income goes down, you may be entitled to more tax credits.
If your income goes up and there are no other changes in your circumstances, it will not usually affect your tax credits until after 5 April each year. But HMRC need the new income figure to work out how much you should be paid from 6 April. If you do not tell them until you come to renew your tax credits, you will be asked to pay back any tax credits overpaid, usually by reducing your ongoing payments.

bestpud

kazmeister wrote: »

Please also bear in mind that should for any reason your earnings go up within the current year, you HAVE to let them know, if not as we had to, they will claim it back from you as your entitlement would have become less. As a result of my OH doing unplanned overtime just a week before Christmas we had to pay back over £500 which dated back to what we were paid over 2 years ago :eek:

He must have earnt an awful lot of money in the week as a £500 overpayment equates to a significant rise in income!!

Anyway, it isn't like that now thank goodness! You do need to inform them of changes within four weeks but you won't have to pay anything back unless your income rises more than £25000. Obviously the following years award would be less as it would be based on your new income though.

OP - I agree that £100 a week seems pretty cheap for full time child care. I would consider that you may not want to work fulltime too (at least not straight away) and factor that into the equation. Sorry if that is making things worse rather than better! Perhaps it is worth ringing a few nurseries in your area?

Maintenance would not be an issue unless you neded to claim income support in the future, in which case failing to name the father would result in you receiving less money. I know that is not a situation you would hope for but people end up claiming income support for all sorts of reasons and none of us know what is ahead.

I have to say though that the father could equally have insisted he wore a condom if he was that adamant he did not want a child. Everyone knows contraception is not 100% effective so the more the better for people who really do not want accidents. I'm not sure why it is your problem because YOU didn't insist he took extra precautions?

Good luck anyway - it's a minefield to tread alone I think.

smithson55

Best advice on benefits is a visit to your local Citizen's Advice Bureau. They are difficult to get to see in some areas because of demand, but they do Benefit checks for free for you.

Gazella77

Snuggles,

Congratulation and all the best!

I won't be able to help you much at this point but probably this will change in 2 months so stay in touch, as I am almost exactly in the same situation and also will not seek money from the father unless he decided to pay voluntarily (I am positively surprised as he's been recently giving me £50/ month for first essential expenses + promised to buy a pushchair).
I also didn't plan the pregnancy and had to make this hard decision but finally thought it through and I hope I will manage, whatever happens.
I am 7 months pregnant now and having most doubts about the childcare (£210 a week in a nursery in my area:eek:) so am also having second thoughts on coming back to work full time
.And I also have a mortgage, which really scares me.

I went to CAB and IR and I have to say they haven't been helpful at all:mad: but told me to come back when I have had a baby, not now. I keep searching on websites and have a feeling it will be hard to survive but so many others managed so I will manage as well.

Btw entitled to gave me an estimation of £264.18 and I thought it was monthly