FabSwingers.com forum: Tax credit V Universal credit

By (user no longer on site) OP
over a year ago

Bit off topic but thought I’d see if anyone had any experience or advice really from being on working tax credit child tax credit and going over to UC. Also how it’s maybe effected you from going Pt to FT? I’m just a bit nervous but I currently pay close to full rent and I pay full council tax as it is I was curious if I’d be better off.

Knowing my luck I’ll be owing hmrc -£** per week.

I’m currently working PT Single house hold income with 2 children. Any advice from anyone would be great

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I cant help you sorry, but thinking if looking to see if I can claim anything cos 35 hrs on minimum wage is a joke, pay full rent and council tax (single person discount) and really struggle with paying the rest x

Reply privately

Reply in forum

Reply +quote

By *igT 007Man
over a year ago

stevenage

I’m on working tax credits and child benefits And work term time only but still get payed 12 months Of the year and pay nearly full rent

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"I cant help you sorry, but thinking if looking to see if I can claim anything cos 35 hrs on minimum wage is a joke, pay full rent and council tax (single person discount) and really struggle with paying the rest x"

Same here hun. I’m only working 16 hrs but I pay close to full rent (£60) pm I receive! Plus I pay over £100 council tax. So I was considering if it was worth going full time, also I’ve heard UC is good for some. I’ve done a calculation and I’m better off. But according to calculation I should be on me housing benefit and working tax.

I’m torn really as I’m sick of struggling as a single household income and want to work more but I’ll be penalised for it

Reply privately

Reply in forum

Reply +quote

By *igT 007Man
over a year ago

stevenage

I’m torn really as I’m sick of struggling as a single household income and want to work more but I’ll be penalised for it

How many hours do you work if you don’t mind me asking as you could be entitled to help with housing benefit and working tax credits

Reply privately

Reply in forum

Reply +quote

By *ony 2016Man
over a year ago

Huddersfield /derby cinemas

might be worth popping in to your local Citizens Advice Bureau , they may be able to help with information,, good luck

Reply privately

Reply in forum

Reply +quote

By *pider-WomanWoman
over a year ago

Exeter, Bristol, Plymouth, Truro

You will only go over to UC when you have a change of circumstance. Well that's how it's working here in the South West.

The job centre deals with new UC claims. If I was you I would try to make an appointment with them to talk it though. I went from working tax credits to UC about a year ago and have found the job centre very helpful.

All the best

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

I’m torn really as I’m sick of struggling as a single household income and want to work more but I’ll be penalised for it

How many hours do you work if you don’t mind me asking as you could be entitled to help with housing benefit and working tax credits "

I only work 16 hours. I don’t understand why I’m paying so much. I’ve always had help with rent and council tax but apparently it’s all changed. I get £18 pw towards my rent and I have to pay full council tax. Hence why I’m wandering if I’m better off working full time, but I can’t afford to loose my tax credit

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"might be worth popping in to your local Citizens Advice Bureau , they may be able to help with information,, good luck "

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"You will only go over to UC when you have a change of circumstance. Well that's how it's working here in the South West.

All the best

You can voluntarily move over apparently, but you don’t get a bridge payment while they process your claim. So I’d be without any tax credit for up to 8 weeks.

Reply privately

Reply in forum

Reply +quote

By *ce WingerMan
over a year ago

P.O. Box DE1 0NQ

"might be worth popping in to your local Citizens Advice Bureau , they may be able to help with information,, good luck

If you apply for UC and are legible for it, they can transfer money straight into your account(I had £200) and they will deduct however much you have over the next 12 months.

Reply privately

Reply in forum

Reply +quote

By *ony 2016Man
over a year ago

Huddersfield /derby cinemas

"might be worth popping in to your local Citizens Advice Bureau , they may be able to help with information,, good luck

I need to speak with someone. I’ve done a calculation online and it’s saying I’d be better off on UC. But I’m unsure really as if I’m left without any money I’d be literally f**ked. I’ve no family or anyone to borrow off. "
. I think this is why you might be better having a chat to the Citizens Advice Bureau, , ( I have got to admit that I am not talking through personal experience) but I have heard they are quite good and may even help you with any form filling if you decide to go ahead

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"might be worth popping in to your local Citizens Advice Bureau , they may be able to help with information,, good luck

If you apply for UC and are legible for it, they can transfer money straight into your account(I had £200) and they will deduct however much you have over the next 12 months. "

Thanks ace but I’m not sure I trust them to be honest. I can not be with out my tax credits as they pay my weekly bills and if I get in arrears I’ll be in debt, it’s a viscous circle really

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread