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Payment to lender by relatives

February 21, 2013, 8:13 am
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Can anyone give me any advice on this please?

Im living with my elderly parents as a full-time carer and claiming CA and IS. I've changed my old 3 door car for a used 5 door to make getting in and out the car easier for mum and dad and paid for it on my barclaycard (a bad idea i know). Mum and dad are now saying they want to contribute something to help pay for the car and i'm trying to work out how this might be done within the income and benefit rules outlined by dwp.

My parents wanted to give me a cheque to put into my bank account from which i could pay something off my credit card bill, but i think it would be better if they paid it directly to the creditor as it would then not be classed as available income. Does that make sense? Many thanks for any advice
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Benefits affected by son becoming an apprentice?

February 21, 2013, 8:42 am
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My son will be 16 shortly and is applying for an apprenticeship. The hourly rates are very low and I was wondering whether this income would be included in the calculations for housing and council tax benefit which I currently claim....?

Also I am assuming child benefit and child tax credit will stop for me for this son (although I have younger children) - is this the case does anyone know?

Any other things to consider that I might have forgotten about....?
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WTC living with parents

February 21, 2013, 9:39 am
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Hi

Firstly sorry if these questions have been asked before I just cant seem to find a solid answer, ok so Im over 25 work more than 30hrs per week, single, with no kids and who lives with parents can I get WTC ?

When I ring up to ask for an application what info do I need to tell them ?

and finally is there an estimate, if successful, how long it takes to go through and get the credit ?

Thanks
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How much tax credit will I get for Childcare??

February 21, 2013, 9:54 am
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http://www.hmrc.gov.uk/leaflets/wtc5.pdf. This document explains on page 9 that you get upto 70% Childcare costs based on a max of £210 bring given for 2 children.

The amount percentage award depends on your income. Would you know roughly how much the percentage is and what income level each percentage is roughly?
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"the amount the law says you need to live on.."

February 21, 2013, 12:10 pm
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What is this on some of my letters? I am disabled on DLA.. does that mean they can't reject me for ESA? or they have to pay me something else to make up the difference for the same amount? (Income Support, JSA I don't care what it's under as long as I get the same amount)
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Can anyone help Income Support/Housing benefit.

February 21, 2013, 12:42 pm
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I made a claim a while ago and I am currently waiting my award and payments. However if I'm no longer entitled from tomorrow. Will I still receive the back payments from the date I claimed until today?

I hope that makes sense thank you
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Inheritance and Social Security

February 21, 2013, 1:48 pm
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Hi, I have just inherited 15% of my mothers flat and my sister has the other 85%. I am presently on ESA, Housing Benefit for my housing association flat and DLA. I will not be receiving any money from my 15% share as my sister is living in the said flat and I have agreed only to take my 15% as and when my sister leaves and sells the property. Until she sells the property I will not financially gain any liquid assets.

With this in mind, I would be very grateful if someone could advise me about my status regarding my present benefits and whether they are affected by this. Thanks very much in advance.
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Help

February 21, 2013, 1:54 pm
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I've been overpaid tax credits by a few months! Am I guaranteed to get caught or not? Can they find out? What is the percent of people who get caught? Also should I own up? Sorry please help
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WTC - what jobs qualify

February 21, 2013, 2:07 pm
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I have a part time job but need to add a few more hours to qualify for working tax credits.

Is it possible to do odd jobs for my family, I am only short by a couple of hours, would this be allowed?
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ESA - Is it even worth trying?

February 21, 2013, 3:07 pm
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Hi

I have disabilities with walking and sight. My Social Worker advised me to claim ESA.

Only problem is I work eight hours. I do just office work where work is adapted to my disability. When I began working there I was more capable but my illness has progressed.

Reading all these story's of this benefit; the little hitlers who are ATOS and other horror stories; will they just see me working 8 hours and just say I could do more hours?
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Totally confused about ESA and stuff!

February 21, 2013, 5:01 pm
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Hi folks,

I have spent all after noon researching this, and I think I have it straight in my head, but could you correct me if I am wrong.

Background - I work full time and earn £42K a year. My OH is 60 (turned 60 on the 9th Feb) has not worked for around 30 years due to depression (severe enough to have been sectioned for 2 years around 15 years ago) and anxiety which has resulted in him being hospitalised twice in the last 2 years with irregular heart rythms (I know there is an actual name for it aortic something or other!!) when on both occasions has meant that he has been knocked out and defibulated to get his heart working normally, he has sleep apneoa (sp) and uses a CPAP machine at night, type 2 diabetes which he takes metformin for, high BP which he is on medication for. Until recently he attended weekly group therapy at the hospital with a consulant psychiatrist, but was discharged as it was not having a positive affect and was recomended to be put on a coure of CBT, but this did not happen. He also has problems with his lungs - recently investigated, appears parts of his lungs have fused together, needs to have an MRI but is refusing as he is too scared to (yes, I know, he is a pillock!)

Anywhoo!!! For the whole time I have been with him, comming up for 10 years, he has been on incapacity benifit, today he got a letter saying that he will be assessed for ESA - letter outlines the process - phone call, questionaire, interview and then judgement.

I have searched on the internet and found the assessment criterea which scores you from 0 - 15 on basic tasks. It would appear that the maximum score he would get on the whole test would be 12 (based on coping with change and social engagement) and that is generous, so I am assuming he will not qualify for it as none of it seems to take into account anxiety or depression.

I understand what will happen if he does get ESA so thats fine, but if he does not get ESA, does he get nothing?

Looking at JSA I earn too much for him to recieve anything and he won;t be eligiable for state pension until 2017 - is this right?

Obviously we don't claim HB or anything, so apart from CB and current Incapacity Benefit (don't claim DLA as it doesn't affect his mobility), would he essentially not contribute anything to the household expenses until he is eligable for his pension?

Blimey, that turned out to be a lot longer than expected!!

So, my actual questio is, is that all correct of have I gone wrong somewhere?

Thanks

L
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Just snapped bus pass!! I guess its unusable?

February 21, 2013, 5:24 pm
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Could not have come at the worst time, have no money and in process of moving so was going to use it to take what I can to new house.

I had it in pocket and leaned over and it caught and bent and snapped.

How long do replacements take?(scotland)
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inheritance £25000+ esa?

February 22, 2013, 2:16 am
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hi,

I hope someone can help me as I am about to receive about £25000 in inheritance from my father, but I am on esa, will this affect how much I am getting at the moment? I guess my esa will decrease because off this? I think I remember reading some where that you can have £16000 before this will affect my benefit?

I live in Scotland by the way.

thanks for any help any one can give me

msampson
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Universal Credit & Capital

February 22, 2013, 3:16 am
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Have been in a panic the last few days after reading that under the new Universal Credit any capital will be taken into account unlike the Tax Credits we currently claim where it isn't.

Last year my husbands nana passed away and left to him part ownership of the land she had inherited a few years earlier, she was tenants in common 50% of with another unrelated person. So 25% to was to go in his name and 25% to his sister. Looking at the land registry documents we were sent the value stated in 2005 when his nana inherited that land was listed at under £100,000. As far as we have been made aware the land is virtually worthless as due to historic mining on the area the council have stated that no building is allowed on the land. There was mention at one point of a local farmer being interested in renting the land but only for a nominal amount as being local he knows the land is worthless. I think £50 a month was mentioned which when split isn't going to be any help.

Now i'm starting to think that being named on this land is going to be a huge millstone round our necks when UC comes in as they will take is as capital and we will end up not being entitled to anything and at the moment we rely very heavily on what we get in tax credits. I'm assuming due to deprevation of assets rules its too late to get the land transferred into trust for our little girl so i'm trying to work out what our options are as I can't see anyone wanting to buy a 25% share of a worthless piece of land. We currently receive £297 a month TC/WTC.

As much as it pains me our best option is probably going to be selling our house and downsizing as due to getting on the property ladder early in life I made quite a profit on my 1st property so our current home has a bit of equity in and our current mortgage is just a bit more than our TC income so that would be problem solved right there. But i haven't really looked if there is anything available for that price that is family friendly.

Just wondering before we start investigating the selling route if anyone knows where HMRC would get their valuation figure from for the land to work out our capital? And if it will be looked at any differently because my OH being a tenant in common we can't just sell up and get the money out of it to support ourselves. Obviously if he was the sole owner that's what we'd be doing straight away.

My mum suggested just not telling them about the land as she can't see how they would find out about it anyway but I really don't want to commit benefit fraud just for the sake of £3.5k a year.

It's just so frustrating as the land was due to go into my MIL's name but she decided just to split it between OH and his sister as it would eventually come to them anyway - wish i'd known about this UC ruling then!!

Any advice would be welcome. TIA
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Welfare-to-work scheme is failing BBC Today

February 22, 2013, 6:07 am
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The 3.6% of claimants on the scheme who had moved off benefits into sustained employment between June 2011 and July 2012 was a mark well below the target of 11.9% that the Department for Work and Pensions (DWP) expected to achieve
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Income based ESA while disabled

February 22, 2013, 6:13 am
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Is there a disability premium of any kind available while claiming income based ESA?
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Can anyone pls help?

February 22, 2013, 6:15 am
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Hi,
I'm single and still living at home with my mum. I am currently claiming ESA benefit.

My mum has to £164 council tax. I have to pay my share which is £100. Which I have to pay out my ESA money.

Can I claim council tax benefit. The council tax bill is in my mums name.


Also-is council tax benefit means tested?
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Help with tax credit and housing benefit calculation x

February 22, 2013, 8:12 am
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Hi I have just got myself a job after being on JSA for 7 weeks hoping to start in 2 weeks when my CRB comes back. Im just seeing if anyone can calculate tax credits and any housing/council tax help I might be entitled to as ive put my details in twice on a calculator called turn to us and 2 different amounts came up my details are-
Im single, 30, have 2 children age 10 and 6 working 30 hours a week at £6.19 an hour, my rent is £84.50 a week- 4 rent free weeks, council tax bill £675 a year, no pension etc, no childcare costs at the moment, any help appreciated thankyou x
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ESA Who Lifts The Sanction

February 22, 2013, 9:16 am
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Hi i have had a sanction on my ESA and my work program provider has sent a form to lift the sanction she sent the form to cardiff and also the job center said the form goes to cardiff cause that is where the decision makers are so could someone tell me where this form goes if it is my local benefit delivery center is it them who lift the sanction or is it down in cardiff now please help thanks
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Cardiff All Sanction To Go There

February 22, 2013, 9:22 am
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Please can someone tell me if all the sanction go to Cardiff now if they have to be lifted as i was told all the decision maker are down there now thanks
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