Looking for some advice. My partner is on contribution based ESA which is due to end on Friday. He is currently waiting for hip and then maybe knee surgery and has his second WCA later this month. Regardless of the outcome he will not be entitled to any money due to what I earn. First question - is it worth him remaining on ESA just for the NI Contributions (he already has 30+ years) or he could try and get a bit of self employed work when he's able (he is a joiner to trade)? He also has his first WFI two days before the WCA though what employer will take on a 52 year old joiner who can't kneel or climb steps and ladders I don't know. The second question is that he has a debt to the bank going back 25+ years, before the time I knew him to the time when he was self employed, that was being paid off monthly and obviously once he has no income the repayments will stop. He has no assets of his own and we live in rented accomodation. Can anyone confirm that I am correct in thinking that the bank cannot claim any money from me as his partner. I don't know if it makes any difference but the debt was an overdraft and charges and interest on interest on interest so it kept increasing. The original overdraft and charges element has been repaid so the debt now consists of only interest charged. Any help would be gratefully received.
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