Is my family entitled to anything?

ajrussell

Hi ive always been under the impression if your family earn more then £16000 pa you are entitled to nothing.

Am i wondering if anyone can give me some advice on wether we are entitled to any support.

Here are my financial commitments and income;

Rent is £900 a month, i have a lodger who pays £300 towards this a month.
Council Tax is £1700 a year, in which the lodger pays a third towards.
We have other bills like car, tv, sky, phones that come up to around £180 a month on top.

Which leaves about £200 a month for food and petrol.

My partner does not work, as she is a student and looks after our 9 month old daughter full time.

My income is £21000 a year, my partner recieves £7200 in student loan. We recieve the Child Benefits and £40 a month in Child Tax Credits.

My local authority is Wycombe District Council and i have done there Benefits Calculator and i am supposidly entitled to £86 a week in Housing Benefits..

Does this seem correct, as if it is true then the past three months have been a real struggle since my partners Maternity stopped, as her loan has gone on paying off her student overdrafts and my credit cards!

Anyone advice?

Cheers

Andrew

Nicifer_noonoo

Hi Andrew,

Welcome to the forum I'm rubbish at benefits and things of that nature, but if things are tight for you, you could try posting a statement of outgoings on the debt free board to see where you could save money on things like Sky television, phone bills etc?

Somebody who knows about benefits should be along soon to help

Good luck,

Nic

real1314

I'm confused by your figures

You say you rent is £900 a month, but lodger pays £300, so that leaves £600
C Tax is £1700 but lodger pays a third, leaves £1132 or £94 a month.

You ear £21k, partner gets £7.2k = £2350 per month

So after rent and ctax you'll have £1656 a month.

You say bills, sky, cars, tv etc come to £180

and that leaves you £200 a month for food?

I'd reckon you've got over £1200 left on those figures? Plus CHb and CTC of £165 a month?

A couple on income support with 1 child would get about £156 a week to live off. You've got about £580 a month. Based on these figures you won't get help with your rent.

mitchaa

Real1314, your figures are incorrect.

£21k salary = £1350pm

£7200/12 = £600pm

CB = £78pm
CTC = £91pm

Total income = £2119pm

Rent = £600
Council tax = £94

Leaving £1425pm

No idea how he would qualify for housing benefits and only have £200pm left over for food and petrol.

Where is the remaining £1225pm going????

Additionally, in order to claim benefits, would you not have to declare the £300pm you receive from your lodger??

System

ajrussell wrote: »

My partner does not work, as she is a student and looks after our 9 month old daughter full time.

My income is £21000 a year, my partner recieves £7200 in student loan. We recieve the Child Benefits and £40 a month in Child Tax Credits.

My local authority is Wycombe District Council and i have done there Benefits Calculator and i am supposidly entitled to £86 a week in Housing Benefits..

Does this seem correct, as if it is true then the past three months have been a real struggle since my partners Maternity stopped, as her loan has gone on paying off her student overdrafts and my credit cards!

OP said £7200 student loan was used to pay off student overdraft and cc's so that is £600 out of the £1225 per month used up leaving £625 for other household bills and any other debts.

OP could use www.entitledto.co.uk to see if they qualify for anything else.

Oldernotwiser

But you don't get extra money because you're in debt! (Unfortunately for many of us.) The fact that the OP's partner has used her student loan for debt repayment is irrelevant; it still counts as income for benefits purposes.

System

Oldernotwiser wrote: »

But you don't get extra money because you're in debt! (Unfortunately for many of us.) The fact that the OP's partner has used her student loan for debt repayment is irrelevant; it still counts as income for benefits purposes.

I never said they would I was just trying to show michaa that OP has less money available after the debts they mentioned in their original post were taken into consideration.

The website I mentioned would give them an idea of what other benefits if any they may be entitled to.

I hope Op and his partner have not included her student loan as income on their tax credit claim as that is not classed as income for tax credit purposes. See page 42 of this http://www.hmrc.gov.uk/forms/tc600-notes.pdf

bestpud

Even without the student loan, they would only get the basic element of ctc on £21000 a year and with only one child.

However, I thought you get double until the child is one year old? If your little one is only 9 months, I think you should be getting £80 a mth ctc.

I very much doubt you are entitled to housing or council tax benefit.