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  • FIRST POST
    • silly moo
    • By silly moo 14th Sep 18, 3:15 PM
    • 370Posts
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    silly moo
    What can I do?
    • #1
    • 14th Sep 18, 3:15 PM
    What can I do? 14th Sep 18 at 3:15 PM
    Hi all, hope you can give me some advice. I've never claimed any benefits so have absolutely no clue how these work.

    My DH was made redundant a few months ago and hasn't been able to find work. I am able to work overtime to make extra cash but our outgoings are higher than income at the moment, mostly due to childcare.

    DH asked for advice at the job centre and was told we have to take kids out of childcare if we can't afford it, however waiting lists in the area are so long that if we take them out, we may not be able to find spaces once DH finds a new job.

    I've filled in one of the benefits calculator forms and it said we may be eligible for child tax credit based on my income, but do I understand correctly that we are not eligible because both of us would need to work at least 16 hours a week and we have savings to help us through?

    So where do we go to see if we're entitled to any help when taking children out of childcare is not an option?

    We're in Scotland if that changes anything. Thanks.
    Last edited by silly moo; 14-09-2018 at 3:29 PM.
Page 1
    • Comms69
    • By Comms69 14th Sep 18, 3:32 PM
    • 4,419 Posts
    • 4,251 Thanks
    Comms69
    • #2
    • 14th Sep 18, 3:32 PM
    • #2
    • 14th Sep 18, 3:32 PM
    Hi all, hope you can give me some advice. I've never claimed any benefits so have absolutely no clue how these work.

    My DH was made redundant a few months ago and hasn't been able to find work. I am able to work overtime to make extra cash but our outgoings are higher than income at the moment, mostly due to childcare. - sorry this sounds stupid, but if your husband is unemployed why are there any childcare costs at all?

    DH asked for advice at the job centre and was told we have to take kids out of childcare if we can't afford it, however waiting lists in the area are so long that if we take them out, we may not be able to find spaces once DH finds a new job. - That's life im afraid. If you cant afford something you stop spending on it. I don't see why the taxpayer should pay for your children to be looked after when a capable parent is not doing anything.

    I've filled in one of the benefits calculator forms and it said we may be eligible for child tax credit based on my income, but do I understand correctly that we are not eligible because both of us would need to work at least 16 hours a week and we have savings to help us through? - I agree the system is confusing, my understanding was a parent working 24 hours a week would qualify.

    We're in Scotland if that changes anything. Thanks.
    Originally posted by silly moo


    And that may be why it's different to what I understand it to be. But I will just say that your husband either needs to find any work, or needs to look after the children. The situation is clearly not sustainable unless you're happy to see savings disappear.
    • silly moo
    • By silly moo 14th Sep 18, 4:01 PM
    • 370 Posts
    • 867 Thanks
    silly moo
    • #3
    • 14th Sep 18, 4:01 PM
    • #3
    • 14th Sep 18, 4:01 PM
    Well obviously DH is looking for work and ready to start at a moment's notice. If we planned for him not to work we would have stopped childcare weeks ago. If we take the children out of childcare, and a job comes up, he would not be able to take the job, it's as simple as that I'm afraid.

    My understanding was that a lot of people on benefits get help with childcare, why not people who just have a temporary problem who have never claimed anything before?
    • TELLIT01
    • By TELLIT01 14th Sep 18, 4:08 PM
    • 5,419 Posts
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    TELLIT01
    • #4
    • 14th Sep 18, 4:08 PM
    • #4
    • 14th Sep 18, 4:08 PM
    Is your husband claiming JSA based on his NI contributions? If not, why not?
    Why can't people with a temporary problem get help with childcare? Simply and sadly because "them's the rules" whether we like them or not. Not having a go at you, simply stating the reality of the situation.
    • Comms69
    • By Comms69 14th Sep 18, 4:12 PM
    • 4,419 Posts
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    Comms69
    • #5
    • 14th Sep 18, 4:12 PM
    • #5
    • 14th Sep 18, 4:12 PM
    Well obviously DH is looking for work and ready to start at a moment's notice. If we planned for him not to work we would have stopped childcare weeks ago. If we take the children out of childcare, and a job comes up, he would not be able to take the job, it's as simple as that I'm afraid.

    My understanding was that a lot of people on benefits get help with childcare, why not people who just have a temporary problem who have never claimed anything before?
    Originally posted by silly moo


    But he kind of job he's looking for aren't ready to take him at a moments notice, otherwise he'd already be working. Recruitment process is going to be at least a month.


    But you're right it's as simple as that and unfortunately it's a gamble you need to take.


    Some people get help with childcare, but you aren't on benefits. You're working. Whether you've claimed or not is irrelevant, it's not a savings scheme
    • silly moo
    • By silly moo 14th Sep 18, 5:02 PM
    • 370 Posts
    • 867 Thanks
    silly moo
    • #6
    • 14th Sep 18, 5:02 PM
    • #6
    • 14th Sep 18, 5:02 PM
    But he kind of job he's looking for aren't ready to take him at a moments notice, otherwise he'd already be working. Recruitment process is going to be at least a month.
    Originally posted by Comms69
    It's 2 months notice for childcare as well so it really isn't as easy as stopping at a moment's notice.

    So does anyone know if there's somewhere we can go that would tell us what the options are?
    • silly moo
    • By silly moo 14th Sep 18, 5:05 PM
    • 370 Posts
    • 867 Thanks
    silly moo
    • #7
    • 14th Sep 18, 5:05 PM
    • #7
    • 14th Sep 18, 5:05 PM
    Is your husband claiming JSA based on his NI contributions? If not, why not?
    Why can't people with a temporary problem get help with childcare? Simply and sadly because "them's the rules" whether we like them or not. Not having a go at you, simply stating the reality of the situation.
    Originally posted by TELLIT01
    Yes, claiming contributions based JSA at the moment.

    I wonder if those rules would leave us better off if I stopped doing overtime, DH stopped looking for work and we just sat on our backsides claiming whatever we can, because I wouldn't be surprised if that was the case
    • Sunny Intervals
    • By Sunny Intervals 14th Sep 18, 5:21 PM
    • 213 Posts
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    Sunny Intervals
    • #8
    • 14th Sep 18, 5:21 PM
    • #8
    • 14th Sep 18, 5:21 PM
    So does anyone know if there's somewhere we can go that would tell us what the options are?
    Originally posted by silly moo
    CAB often have benefits advisers and there may be other local organisations dotted about (job shops, welfare rights, etc.).

    I wonder if those rules would leave us better off if I stopped doing overtime, DH stopped looking for work and we just sat on our backsides claiming whatever we can, because I wouldn't be surprised if that was the case
    Originally posted by silly moo
    I know you're frustrated, but there's a number of people who post here to try to help people and are on long-term benefits for various reasons themselves. That was a little hurtful.
    • FBaby
    • By FBaby 14th Sep 18, 5:26 PM
    • 16,939 Posts
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    FBaby
    • #9
    • 14th Sep 18, 5:26 PM
    • #9
    • 14th Sep 18, 5:26 PM
    Would the childcare provider at least agree to a reduction of hours in the in the interm? They might show some understanding and be prepared to be flexible .
    • Caz3121
    • By Caz3121 14th Sep 18, 5:40 PM
    • 11,439 Posts
    • 7,489 Thanks
    Caz3121
    I've filled in one of the benefits calculator forms and it said we may be eligible for child tax credit based on my income, but do I understand correctly that we are not eligible because both of us would need to work at least 16 hours a week and we have savings to help us through?
    Originally posted by silly moo
    there are 2 types of tax credits, child tax credits - you can apply if you have children
    working tax credits which would only apply if you were both working - it is the wtc that links to childcare help
    for CTC you need to look at your household income for tax year 17/18 and compare it to what you expect the household income to be 18/19
    note that you need to estimate what it will be up to April which will be hard as you don't know when he will find a job. If it turns out the income ends up more than your estimate there would be an overpayment (up to the total paid if you go over the threshold)
    do you rent or have a mortgage? did he receive redundancy payment? you mention you have savings, are these over 16k?
    • silly moo
    • By silly moo 14th Sep 18, 5:59 PM
    • 370 Posts
    • 867 Thanks
    silly moo
    I know you're frustrated, but there's a number of people who post here to try to help people and are on long-term benefits for various reasons themselves. That was a little hurtful.
    Originally posted by Sunny Intervals
    I'm sorry if I offended anyone, I certainly didn't mean to.

    I don't know much about the world of benefits, only what I glimpse through various Facebook groups for mums and my understanding is that there are a lot of families where the mother decides to stop working after having children, they claim benefits, get extra free hours at nursery etc and get along just fine. Then I compare this to our situation where we'd only need help temporarily and not long-term and can't help feeling this is unfair.
    • silly moo
    • By silly moo 14th Sep 18, 6:04 PM
    • 370 Posts
    • 867 Thanks
    silly moo
    there are 2 types of tax credits, child tax credits - you can apply if you have children
    (...)
    do you rent or have a mortgage? did he receive redundancy payment? you mention you have savings, are these over 16k?
    Originally posted by Caz3121
    thanks, do you know what the thresholds are for claiming CTC?

    we have a mortgage, currently going through the process of claiming from our mortgage PPI but it's a long process and we're not sure if our claim will be successful.

    yes to the redundancy payment and yes to savings over 16k. this is why we felt we could manage to pay childcare costs while DH is looking for work but the job prospects aren't looking as promising as we thought.
    • skcollobcat10
    • By skcollobcat10 14th Sep 18, 6:17 PM
    • 233 Posts
    • 2,381 Thanks
    skcollobcat10
    I'm sorry if I offended anyone, I certainly didn't mean to.

    I don't know much about the world of benefits, only what I glimpse through various Facebook groups for mums and my understanding is that there are a lot of families where the mother decides to stop working after having children, they claim benefits, get extra free hours at nursery etc and get along just fine. Then I compare this to our situation where we'd only need help temporarily and not long-term and can't help feeling this is unfair.
    Originally posted by silly moo
    Majority of people who work do not have a clue about how benefits work. They assume they would be looked after if anything happened and they lost or had to give up work due to illness or redundancy.

    I was the same 18 years ago after an accident, didn't know anybody who received benefits and didn't have a clue what I had to apply for.

    When employed, you don't even think how people manage on benefits and those silly programmes on TV lead many people to think the recipients of such are f**kless and lazy, which many are not.

    Hopefully this is just a short term blip and your husband will find work quickly. It's a wake up call to get yourself adequately covered for illness/accident insurance and mortgage protection cover. Try also if you can to have at least 6 months saving cover for your bills so you will not suffer next time if this happens. Good luck with what you choose to do.
    • poppy12345
    • By poppy12345 14th Sep 18, 6:18 PM
    • 3,392 Posts
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    poppy12345
    If your area is a full Universal credit area and you don't have more than 2 children then you won't be able to claim tax credits, it will have to be universal credit. With savings over 16,000 you won't be able to claim UC.
    Check your area here. http://ucpostcode.entitledto.co.uk/ucdate
    • sheramber
    • By sheramber 14th Sep 18, 6:30 PM
    • 5,221 Posts
    • 3,898 Thanks
    sheramber
    Details here of child care help in Scotland

    https://www.mygov.scot/childcare-costs-help/funded-early-learning-and-childcare/
    • TELLIT01
    • By TELLIT01 14th Sep 18, 6:49 PM
    • 5,419 Posts
    • 6,015 Thanks
    TELLIT01
    Majority of people who work do not have a clue about how benefits work. They assume they would be looked after if anything happened and they lost or had to give up work due to illness or redundancy.
    Originally posted by skcollobcat10

    Very true. I was shocked when I was made redundant, and was of an age where I could take my pension, that the pension was taken into account. I'd paid into it yet it prevented me from even claiming Conts JSA. I was not amused, but there was nothing I could do about it.
    I worked for DWP for some years before retirement and the number of times I heard people say "I've paid into the system all my life and now can't get anything out", and they were absolutely right. Worst one was a couple where the husband had given up work through illness,who had lived off their savings because they didn't think it was right to claim, and then discovered they could still get nothing because the wife's earnings nilled Income Related entitlement. They were absolutely devastated.
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