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Divorce/separation

Here you'll find divorce help and support from other Mners. For legal advice, you may find Advice Now guides useful.

Original poster

Seperating UCredit makes no sense

9 replies

itscomplicatedlife · 29/01/2022 08:22

Currently married if we split it would be an amicable 50/50 split of finances, each enough fo buy a small apartment/home with no mortgage. I am part time as child is very young so my income is very low I know I'm eligible for Universal credit support but the amount I have been quoted on entitled to which I've accurately entered my details in to conflicts with what the cab citizens advice have confirmed albeit the advisor was new but how can the figures vary so much! Entitled to have a figure just over £700 cab said it would be around £300. My friend thinks the cab advisor has got it wrong. I've done the entitled to 3-4 times, inputting that I'll have a house paid for with no mortgage. I take home £920 atm working 22 hrs p wk. Does anyone else have a similar situation and think know roughly which figure seems correct? I thohhht £700 was a lot tbh I was expecting closer to £350. I have tried to call them back to talk to someone else but not managed to get through so far

OP posts:
AlwaysOutside · 29/01/2022 08:37

I just did an entitled to calculation and it gave me a figure of about £150 more than I actually get! So I'm a bit suspicious of their calculations

Original poster
itscomplicatedlife · 29/01/2022 08:40

It's useless if it isn't even closely accurate, I need a pretty accurate idea for When it comes to where to choose the home etc as to whether I need a car and the expense of that but atm entitled to keeps throwing out £700 which is £400 more than what the cab said, my friend is also part time but is renting with support she gets around £700 but I would guess as I aren't asking for help towards housing/mortgage costs it wouldn't be as high as £700, I don't know if there's another more acurate site I can try... I'll keep ringing the cab to get another quote in the meantime

OP posts:
PicaK · 29/01/2022 09:53

Just do the sums...
257 Single under 25 or 324 if over 25
237 for 1 child or 282 if born before 2017
If you’re working, you can get up to 85% of your childcare costs paid for. In 2021-22, this is up to a maximum of £646.35 a month for one child, or £1108.04 a month for two or more children.
Add in your Child Benefit
Then you can earn 515 without it affecting UC and after that it will go down by 50p for every £1 you earn.
www.moneyhelper.org.uk/en/benefits/universal-credit/how-much-is-universal-credit

Original poster
itscomplicatedlife · 29/01/2022 10:01

Thank you that's great I'll try that link too 👍

OP posts:
Unknown83 · 29/01/2022 20:04

@itscomplicatedlife

Currently married if we split it would be an amicable 50/50 split of finances, each enough fo buy a small apartment/home with no mortgage. I am part time as child is very young so my income is very low I know I'm eligible for Universal credit support but the amount I have been quoted on entitled to which I've accurately entered my details in to conflicts with what the cab citizens advice have confirmed albeit the advisor was new but how can the figures vary so much! Entitled to have a figure just over £700 cab said it would be around £300. My friend thinks the cab advisor has got it wrong. I've done the entitled to 3-4 times, inputting that I'll have a house paid for with no mortgage. I take home £920 atm working 22 hrs p wk. Does anyone else have a similar situation and think know roughly which figure seems correct? I thohhht £700 was a lot tbh I was expecting closer to £350. I have tried to call them back to talk to someone else but not managed to get through so far
I have a hunch that the CAB advisor has either mistakenly assumed you will need the housing benefit portion of universal credit or not factored in your child. Both of those reasons would reduce the figure you were entitled to after earnings.

Try this calculator out:

www.universalcredit.co.uk/calculator/

Original poster
itscomplicatedlife · 31/01/2022 15:29

Done the calc twice it's saying I'd be entitled to even more than the entitled 2 calc gave me, have tried it twice and got the same figure. If both are correct it's very reassuring as it's a lot more than I expected tbh. Just so confusing to get 2 differnt figures

OP posts:
Unknown83 · 31/01/2022 15:33

@itscomplicatedlife

I'm trying to think how I could help you get a definitive answer. Like I said, I think CAB must be making assumptions (e.g. your universal credit falls faster based on your earnings if you also receive housing benefit than if you don't). Also, UC is still very new in some parts of the country.

Feel free to message me and tell me the following:

Your earnings
How much money you have in cash or investments (other than a pension)
How many children you have
How much childcare you pay

I'm happy to do the calculation based on the source legislation rather than a calculator to try and get a more certain answer for you.

Onlyrainbows · 31/01/2022 15:50

How old is your child? Do you pay nursery? In October joint claim (husband on 25k, I was unemployed), 2 kids, and that equaled to £300

Original poster
itscomplicatedlife · 02/02/2022 05:36

Thank you so much for helping, I have managed to get through to the cab to an advisor much more experienced and they got a fig around the £700 mark alao, they advised it is hard to say until you actually apply but that figure should be very close. The calculators are so quick to run it's just so helpful. Thank you for the UC one I didn't actually think to look on there for a calculator it's a bit quicker than the entitled
To calc. X x

OP posts:
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