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Deep Poverty.

25 replies

MindfulDad · 29/03/2024 16:58

Hi all,

I'm in an exceptionally emotionally triggering situation where I've found myself in a situation where I honestly don't know how to move forward so that I can maintain having my children in my life.

A bit of back story: I'm a disabled father of three. My wife left me and moved straight in with her lover after subjecting me to domestic abuse, which included financial abuse. I was left with thousands of pounds in debt, and she cleared out my bank account to have some time away with him before moving in with him. I had to cash in a small pension pot to pay off the debts she left me with, as I couldn't afford to make the repayments, which I did through medical retirement; it wasn't enough to clear the gas and electric debt. She had always gotten child benefits and child tax credits, and she has another child from a previous relationship. I currently live in the house we shared, which is provided as social housing, but it also has been built around my disability.

Since our separation, she agreed that I could have the children on a 50/50 custody basis. I have them from the end of school on a Friday until Tuesday morning when they return to her. My son, who is older than the youngest two, stays with me an extra night once a fortnight so we can get some quality time. Because she receives child benefits and now the child tax support element of UC, I have to pay 25% of the rent in bedroom tax. With the bills for gas and electricity so high, I have only had £15 a month to feed myself and the children for the last two months. I have used all my food bank allowance and food grants. I have borrowed as much as I can from family and friends to feed the children whilst I eat the leftovers from their meals, and I don't eat anything when I don't have them.

I explained the situation and even provided evidence to my ex, asking her to share the tax credit and child support. She has refused, saying she cannot afford it, while turning up with new nails, tattoos, photos of her going out for meals on social media, etc. As she can only claim for two children on the tax credit part of UC, I asked if I could claim for the other two. She said she gladly would, but she can't, as that would stop her from getting a four-bedroom house on social housing. I've told her that the money she receives is for every day of the year, not just the days the children are with her, and she has no empathy for the situation.

I don't want to say I can't have my children; the idea that I will have to say I can't have them is breaking my heart, but in reality, I cannot ask them to share the poverty I have been left with and ask the kids to go hungry when they are with me. I have a solicitor under legal aid, which I got due to the domestic abuse, and they have said that a judge will see that she has financial responsibility and leave it up to her to share the child benefits.

Can anyone throw any light on this situation so I don't have to give up my children?

OP posts:
Gingerkittykat · 29/03/2024 17:09

Can you put in a competing claim for both child benefit and allowance for children on UC?

The DWP will look at evidence from both of you and decide who to pay the money to. It might be that she decides to act reasonably if you do that.

Octavia64 · 29/03/2024 17:23

Do you get ESA or PIP?

They are tricky to get but if your social housing has been built around your disability it sounds like you might qualify.

Sorry no other ideas.

RandomMess · 29/03/2024 17:25

If you have the DC 50:50 claim CB for one of them.

Mummame2222 · 29/03/2024 17:30

on what basis is she entitled to four bedroom housing? 4 kids 2 can share and a room for her. That’s 3 bed.

Can you put in a competing claim for both child benefit and allowance for children on UC?

do this.

Mummame2222 · 29/03/2024 17:31

Also you have them over 50% so you definitely need to put in a claim.

UnbeatenMum · 29/03/2024 18:01

If you still have debts and it's the repayment that's putting you in such a difficult situation it might be worth talking to CAP or StepChange. As I don't think you can afford the current repayments.

UnbeatenMum · 29/03/2024 18:02

Also our local food bank has an official policy of 3 parcels per year but in practice they will provide more if needed.

FlabMonsterIsDietingAgain · 29/03/2024 18:06

I think as you've been advised by PP that you need to put in a competing claim, have you also checked that you are receiving all benefits you're entitled to?

www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=a1c7bf0f-e93d-43c8-850c-57e3063ca7a4

With regard any debts have you spoken to them to agree minimum payments?

www.stepchange.org/ can help you to get your debts in order.

There are also schemes for reduced utilities and broadband based on your benefits, have you checked to see if these could reduce your monthly outgoings?

www.citizensadvice.org.uk/consumer/energy/energy-supply/get-help-paying-your-bills/grants-and-benefits-to-help-you-pay-your-energy-bills/

www.moneysavingexpert.com/compare-broadband-deals/broadband-social-tariffs/

MrsMoastyToasty · 29/03/2024 18:10

Speak to a debt advice charity. They often have benefits advisors too.
If she forced you to take loans out they may be able to negotiate with the creditors to get them written off. If she forged your signature then also report her to the police.
Look at grants from your energy supplier. I know EDF and British Gas for them.

TheFlis · 29/03/2024 18:16

Church food banks often don’t require vouchers, try ringing around ones in your area.

FlabMonsterIsDietingAgain · 29/03/2024 18:22

Also do you have a food pantry/co-op near you. Not completely free but very very heavily reduced food.

www.yourlocalpantry.co.uk/

fareshare.org.uk/getting-food/

And have you looked at Olio where people offer up food they won't be able to eat.

TwilightSkies · 29/03/2024 18:25

Yep put in a counter claim for the benefits. You’ll probably need to show proof about how often you have them, so make sure you keep any texts etc from your ex regarding this.

MarthaJonesPhone · 29/03/2024 18:42

Put in a competing claim. My friends husband did this and they split the CB. Each gets for one child.

WGACA · 29/03/2024 18:43

UnbeatenMum · 29/03/2024 18:02

Also our local food bank has an official policy of 3 parcels per year but in practice they will provide more if needed.

Same! They may also be able to help with fuel poverty.

Also agree with downloading the Olio app where people near you list food (also games/craft items) that they no longer need or list on behalf of supermarkets.

I think your water company can help lower income customers too.

Orangesandlemons77 · 29/03/2024 18:51

Sounds like some useful advice given already. There could be a food pantry nearby. I just also wanted to mention another app called Too Good to Go.

And YY to claiming full PIP / ESA also if she is getting all the child benefits should she not be feeding them most of the week?

Orangesandlemons77 · 29/03/2024 18:52

With out local food pantry you can go weekly and get a basket of food for £5 for a family or less, but £3 for a single person. You could get the family one I think.

Chewbecca · 29/03/2024 19:09

Can you list all your incomings and outgoings? People may be able to make suggestions on that.

fizzwhizz1 · 29/03/2024 19:14

As others have said also put in a claim for the children on your UC. Although the 25% should be disregarded as they live with you half the time. Definitely look into getting that wiped out!

Babyroobs · 29/03/2024 19:31

As others have said put in a counter claim for child element of UC. What benefits do you get yourself ? Are you getting single occupancy discount for council tax? The government should hopefully be giving more money for household support fund to re-open at some point so make sure you apply for that. Sorry I've no other suggestions it is very unfair in situations where residency is 50:50 and one parent gets all the child related benefits.

Aubree17 · 29/03/2024 19:36

What is your disability and prospects for future work?
Check you are getting everything that you are entitled to.
Is debt sucking your income? If so, consider bankruptcy.

MindfulDad · 30/03/2024 21:08

Thank you all for the advice. I really appreciate the time you've put into this.

I have a few things to get on with this coming Tuesday. I appreciate the responses. I was feeling like I had nowhere left to turn. Your comments have given me some hope again that something can be done. I will update you when I have some answers.

Local Pantry - isn't available in my area.
FareShare - Although it looks like an amazing organisation, it appears to be a distributor to charities.
Olio - I have now signed up for this. Thank you.

Water - Due to my disability, I'm on a fixed tariff. Thank you.

Council - They've told me to apply for a hardship fund. This is short-term. But it may buy me some time if I'm accepted.

Tuesday - I will be in contact with UC and HMRC to see if there is some way I can counterclaim and start that process.

@Mummame2222 Her daughter from a previous relationship is at an age where she has a bedroom entitlement of her own, as she can no longer share with my son.

@UnbeatenMum I wasn't aware that food banks could make allowances. I'll check my one's opening times and give them a call.

I'm currently getting PIP and ESA... ESA has a loan against it, which has also dropped my income.

If I haven't mentioned you, I apologise. I just didn't wish to fill the response with a load of @ messages. But please don't think your support isn't of value. It's definitely appreciated and something to act upon.

OP posts:
RandomMess · 30/03/2024 22:10

For child benefit you just apply for it to the child benefit section. You can do that this weekend.

www.gov.uk/child-benefit/how-to-claim

You can tell UC that you have your child 50% + of the time and as such they need a bedroom and you have put in a claim for child benefit accordingly.

UnbeatenMum · 31/03/2024 08:16

So you can also call up about your ESA loan and say you can't afford the repayments and they should be able to be reduced. Be really clear that you've only been left with £15 a month for food and have been relying on family and food banks. Ask for a token repayment amount that you think you could afford like £5 a month.

bluewotsit · 31/03/2024 08:26

Definitely go to Citizens Advice. I work there - if you came to us we would do a benefit church, help with any debts, issue food bank voucher, fuel vouchers, see if any other help available- ie from welfare support at the council or local organisations. We would also help put in PIP, lcwra or esa applications and help with any appeals. We also get people on £1 a month water tariff. You can also get DWP loan repayments reduced and may be able to pay less for broadband etc.

Blondeshavemorefun · 31/03/2024 20:06

bluewotsit · 31/03/2024 08:26

Definitely go to Citizens Advice. I work there - if you came to us we would do a benefit church, help with any debts, issue food bank voucher, fuel vouchers, see if any other help available- ie from welfare support at the council or local organisations. We would also help put in PIP, lcwra or esa applications and help with any appeals. We also get people on £1 a month water tariff. You can also get DWP loan repayments reduced and may be able to pay less for broadband etc.

I was going to suggest cab as my friend works there

Churches often give our food as well

If on a local Fb page ask about food banks and often people will give food or buy a bag for someone in need. I've done that before

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