This is a long post so please bare with me. I'd also like to point out I suffer anxiety and depression, please be kind as I am under immense pressure.

Basically....I cannot afford to stay in a relationship with my partner due to benefit cuts and I need help.

I used to get higher care and mobility DLA. This paid for my home help to keep me living at home and helped me get around, I also had a Motability car. During assesment for PIP I was awarded standard for mobility and care. I lost my Motability car, because of that I was left unable to get my kids to school, unable to get to doctors or hospital appointments. I also lost my homehelp, the situation became terrible as with my partner away often with work - I had no support and social work are over run and unable to see me anytime soon.

I spoke to a benefits advisor and they realised the mobility side of PIP was wrong and appealed to get this fixed. By the time this happened I'd used the transitional package to pay for my home help and taxis, the rest I put towards finance deposit for a car that could fit my family, but I can't drive as it doesn't have my adaptations - I therefore couldn't get a mobility car. The care assesment is correct, but under the PIP system, I don't get enough points to cover the costs of my care needs.

Because care has went down I have been told I am no longer eligible for certain tax credits benefits and to top it off, tax credits have been overpaid as a result.

To this end, what is coming in from OHs wage and my benefits isn't even covering the basics. We live in a wheelchair accessible home and the rent is just over half my partners wage, council tax has been reduced due to disability but it's due to go up for everyone, the cost of where we live is high but due to OH work we have no option, we are tied into phone/broadband contracts from when we were financially stable and can't reduce or get out of them. We get tax credits, but due to my PIP care being reduced, unbeknown to me I stopped being eligible for a disabled element and I've been told we have been overpaid and the amounts will stop until next year then be significantly reduced.

We have just worked out that because of all of this, we are in the negative of over £600 a month now and that's without my homehelp. We will have absolutely nothing left over for savings or car repairs.

CAB looked at our income and explained we are not entitled to anymore help and tax credits have said no to Paying back over payments in smaller amounts. The bottom line is, we can't afford to be in a relationship together.

We have just worked out our only current options are to split up (because our system says I'll get all sorts of benefits!), go homeless or wait for the debt collectors when we don't pay anything.

Can anyone come up with some ideas?

We can't switch providers due to the special meter & boiler we have
We can't move as there are no suitable properties for cheaper
We are paying the minimum to our debts that we can
We can't get out our phone and broadband contracts
I am very good with food budget, I normally cook most things from scratch when I can (though this is less now I don't have home help)
We do not socialise or do anything now we could cut back on :-(
We have tried selling things to make up the gap but we have ran out
As our daughter is two weeks old, I can't go to work but even if I could, I need my home help to help me get kids to nursery to go

Any suggestions would be gratefully welcomed and again, please be kind and consider the mental health issues I suffer from