Hi, i've posted this elsewhere on the forum but was told I may get responses from people more knowledgable in this area on here?
Hi,
My ex and I split 5 months ago, we have a child together. We both moved from the property we shared, I moved in with my mum, he moved to a new house that he bought (he also owns the property we shared, it wasn't jointly owned)
My mum has asked my child and I to leave, there's not enough room, overcrowded etc... It just isn't working out. Trouble is I'm on a low income (work part time & a part time student) When ex and I were together he supported me with regards to bills, mortgage etc.. I'm on the council tax/electoral roll at my mum's.
Ex is a good guy, we get on great, very amicable, infact we are friends. unfortunately we aren't going to reconcile for a large number of reasons. He has offered for our child and I to move into his new property, he said he'll move back to the old property we shared, or even back to his mum's as it's a huge house and he'd have his own room & bathroom. But I think it's more likely he'll move back to the other property he owns as the tenant he has in there is due to leave next month.
Thing is, I can't afford to live in the property, I'll only be able to clothe & feed myself and our child, at least until my studies finish in 2015 & I can afford to work full time. He said this will basically be maintenance, he'll pay mortgage & all bills for as long as I need to live there.
So how does it work? can it work legally? I won't be claiming any housing benefit or council tax benefit, just child benefit & tax credits. Does ex ring HMRC, council tax etc and tell them he's moving out & I just ring them and tell them I'm moving in? I'm just worried because he owns the property and will still be paying the mortgage so won't HMRC assume we have reconciled?? I can't afford to have my tax credits stopped, I couldn't live.
Also I'm assuming I'd have to put all bills in my name, but they'd still be coming out of his bank account, is this legal? I think it's only the council tax bill that would come out of my account. That's all he expects me to pay but said if necessary he would keep it coming out of his account if I couldn't afford it. I can afford it and obviously it's the least I could do.
Hi,
My ex and I split 5 months ago, we have a child together. We both moved from the property we shared, I moved in with my mum, he moved to a new house that he bought (he also owns the property we shared, it wasn't jointly owned)
My mum has asked my child and I to leave, there's not enough room, overcrowded etc... It just isn't working out. Trouble is I'm on a low income (work part time & a part time student) When ex and I were together he supported me with regards to bills, mortgage etc.. I'm on the council tax/electoral roll at my mum's.
Ex is a good guy, we get on great, very amicable, infact we are friends. unfortunately we aren't going to reconcile for a large number of reasons. He has offered for our child and I to move into his new property, he said he'll move back to the old property we shared, or even back to his mum's as it's a huge house and he'd have his own room & bathroom. But I think it's more likely he'll move back to the other property he owns as the tenant he has in there is due to leave next month.
Thing is, I can't afford to live in the property, I'll only be able to clothe & feed myself and our child, at least until my studies finish in 2015 & I can afford to work full time. He said this will basically be maintenance, he'll pay mortgage & all bills for as long as I need to live there.
So how does it work? can it work legally? I won't be claiming any housing benefit or council tax benefit, just child benefit & tax credits. Does ex ring HMRC, council tax etc and tell them he's moving out & I just ring them and tell them I'm moving in? I'm just worried because he owns the property and will still be paying the mortgage so won't HMRC assume we have reconciled?? I can't afford to have my tax credits stopped, I couldn't live.
Also I'm assuming I'd have to put all bills in my name, but they'd still be coming out of his bank account, is this legal? I think it's only the council tax bill that would come out of my account. That's all he expects me to pay but said if necessary he would keep it coming out of his account if I couldn't afford it. I can afford it and obviously it's the least I could do.