Bloody W**NKing Tax credits! Or Government should I say

[Hai1988]

Just had my new tax credits award and have just found out that my DH's Working tax credits are being stopped as he has already had his lot for this year, £800!!!

My DH does not have a very well payed job at all and after rent and bills we have f**K all left and the weekly income of £140 really helped that is now just over £50.

So angry We need that extra £80 a week, I know it may not sound much to some but it did make a big difference to out life's.

Who ever voted Tory I hope your happy with yourselves that now so many family's are probably gonna struggle now.

Sorry not really an aibu but really needed to vent and wondered if anyone else is suffering with tax credits this year because of the dam government.

Working Tax Credits are not just for those with children, even without my son at home, I would still get Working Tax Credits, and I earn in excess of 16k.

An unplanned pregnancy is a change of circumstance.I said in my original post that it's good that there is a backup for that.

A planned pregnancy on the basis that the child is going to be affordable with state help is the problem. As is the expectation that the government of any persuasion is going to any other than screw you over. Labour, Tory - the same thing. Divide and rule.

I apologise unreservedly to the OP, as my first post was written without having enough info.

See I know its not your fault but how do these guys at Tax credits work this shit out!!

My DH takes Home between £15-17k and we now only get £58 a week and think working works out at about £3 a week, but they gave it in larger amounts so we have already had it all this year

In fact, I'd already stated that unplanned pregnanies were different in my second post. But people only ever read what they want it seems.

Thank you for the apology cheryl

yes, people read working tax credits and think benefit scroungers

funny that

And to the OP, that sounds like they've miscalculated. Go to the entitledto website and enter your circumstances.

As I said there we alot of post and I have just skimmed throught will read more in detail 2moro.

I did notice it wasnt just you you said that tho cheryl

OP, I'm interested in the reasons why you don't want to use childcare. If your DS is 5, it would only be before and after school care and school holidays wouldn't it?
I think in your situation, I'd be inclined to go back to work and if that meant using childcare, you may find you can get more tax credits to help cover the cost of childcare.

No I have phoned up and spoken to them many times they insist there in no mistake, I have asked for a appeal form but they have pritty much told me I have no chance, as I cant use the reason "Cus I need the money" as a reason for appealing

I have asked tax credits about help with child care and they said I would not be intileted to help with it cus of how much my DH works!!!

So as much as I want to get out there and work Is they any point when a large percentage of my wage will go straight to child care, Like I no I am only gonna be able to work for minium wage and I have looked into child care and its about £3hr and I would earn just under £6 so

Hai, I don't know why you don't want to use Childcare, but if it helps, before I had to stop work due to illness, I had a school hours job that required no qualifications, as a cleaner in a Care Home.
Have you looked at that?

Being reliant on benefits is shit, I am too and I hate it.

Cross post there, sorry.

YOu get around 50 per child, you can use an online calculator to work it out they are accurate.

I just went on that website and based approximately on what you said, you'd be looking at £65 p/w for working tax credits (but as you've said, they were 'overpaying') during the year....

All i can say is make sure you're getting any housing benefit you're due to. Otherwise, I think sadly they have probably calculated it correctly. It's shitty, but it's difficult to think of any other advice :-(

Just because CTC are called credits as well as WTC does not make them benefits. They are tax credits for certain situations.

They are paid out under different situations - eg single person/ childless over 25 or couple and childless can only get WTC as they have no children.

WTC are paid to couples and sinle people with children to allow for extra expense of working and having children

CTC are only avialable if you have children to ensure there is enough money to raise them.

These are not new (as many above have mentioned) they just replace the old system.

Germany, for example, still has the married couples tax relief, then more so if you have children. I know this as fact as my exp is worried he'll have to pay more when he pays less tax - except he pays nothing now

On that basis OP, if you were to get a job working 37.5hrs a week, you'd earn £199 a week net. (on £6 ph working 8 until 4.30pm with an unpaid lunch hr thrown in).
You'd only need childcare for 2 hours before school and 2 hours after, so you'd possibly be paying £60 a week for childcare during school term time, making you £139 a week better off.
Doesn't sound so bad from a financial point of view when you look at it like that.

I have not got an issue with tax credits. After 13 years of not claiming them, both me and DH now have no job (DH made redundant after 15 years with one company) and although we haven't got our tax credits yet, I am going to be very grateful when they arrive.

But they are a benefit. I have been looking at how much I could get for different part time jobs, and if I earn 9k I will get another 9k in tax credits. Now, there is no way that getting 9k when there is no way you have paid 9k in tax that year can be described as a tax break.

I cannot see that being on tax credits and a part time job would make me much worse off than being in a full time job. But I don't think that really matters in economic terms because there are plenty of people who want full time jobs, and my children are old enough for me to want to be looking for a full time job, even though it will not benefit me financially to take one.

I have been to enititled to and it did say I was entitied to more, but it said this could be diffrent becuase of the way tax credits are worked out.

I have been looking at getting school hours jobs such as lunchtime superviisor and receptioist and so forth but no luck so far

I have currently waiting for a Housing benift form in the post as that would really help as currently rent is taking a big chunk out of dh's wage

Also if you were to work 37.5 hrs a week and pay 4 hrs a day childcare, and your DP is working 60 hrs a week on minimum wage, your combined income would be closer to £440 a week, so you might not need tax credits then at all.

Meant to say that is £440 a week net.

And if you OP were working over 16 hours and your DP over 30 you could get the childcare element of WTC to help dependant on your income.

This may sound lazy or whatever and I do really do want to work, but I like doing the school run and chatting to DS after school and stuff like that, so if wanting to take care of my son myself makes me sound like a scrounger Im sorry.

BTW that is not a dig at working mums I have lots of respect for them, but this is just how I feel, proberly cus my mum was a sahm too

I think you'll almost certainly be able to get Housing Benefit - might be £25 p/w according to entitled to. It's not quite replacing the loss, but it's something.