Hi, I've posted this in money but I'm hoping some of you kind lot might be able to shed some light on this for me.
Basically, I've been a LP since last July, ex-H moved out to live nearby and I'm on a low income, around £12k a year. I've been surviving financially through a mix of working part-time, living very cheaply and having lodgers. I have a 3 year old DS.
Ex-H have cobbled together a sort of informal financial agreement that involves him paying our (biggish) mortgage, me paying his rent from the lodger income, him paying gas, electricity and water, and me paying council tax, tv, broadband etc. We no longer have a joint account, he just sorts out his bit and I do mine. I didn't want to put all the bills in his name as I know he won't give me the money back. I've agreed not to ask him for maintenance until we sell our house as he's paying all the mortgage.
My question is: I'm really struggling financially now and as I'm entitled to WTC and TC, I'd like to put in a claim. But I'm worried as some of the bills are still in his name. Will this invalidate my claim? Will they know? Do I need to tell them? I can provide a copy of his tenancy, he pays council tax in his new place and most of his post goes to his new address - we are clearly no longer a couple.
My original plan was to wait until we sell our house, I move into a new rented place and then put my claim in as it will be pretty straightforward (I hope), so maybe I'm better off waiting to do this. I hear horror stories of being slapped with a massive TC overpayment bill and I can't really face that.
Has anybody been in this situation?
Thanks.
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Claiming tax credits - bills still in ex name?
13 replies
sittingupstraight · 07/02/2015 19:58
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