Entitled to Anything??

braceface

Hi
Hoping I can pick some brains. I have recently separted from my husband, leaving me with the mortgage and a 6 month old baby. He gives me 900 a month, 775 of which is going towards our joint mortgage and joint car loan, leaving me with 30 a week for bills/baby etc.

I have applied for One Parent & FIS but been told I earn too much (?!) I normally come out with about e1800 a month from work, but currently on maternity leave so getting about e1500 a month (mortgage is e1300)

What can I do? Is there anything else I can apply for? Getting seriously worried about the coming months......

Thanks

keredern

braceface wrote: »

Hi
Hoping I can pick some brains. I have recently separted from my husband, leaving me with the mortgage and a 6 month old baby. He gives me 900 a month, 775 of which is going towards our joint mortgage and joint car loan, leaving me with 30 a week for bills/baby etc.

I have applied for One Parent & FIS but been told I earn too much (?!) I normally come out with about e1800 a month from work, but currently on maternity leave so getting about e1500 a month (mortgage is e1300)

What can I do? Is there anything else I can apply for? Getting seriously worried about the coming months......

Thanks

Hey there!

Sorry to hear about your difficult circumstances.:(

It's very hard to properly assess any entitlement as the composition/origin of the figures you give is unclear.

For example, are the figures gross or net?

Is your husband paying anything else toward the mortgage or are you paying it in full from what he provides to you?

It would probably be better if you attended at your local health centre to speak with the HEO in charge of the Community Welfare Service (CWS) for your area.

S/he would be able to do a proper assessment to see if a mortgage interest supplement may be paid while you are on maternity leave.

You will not be entitled to MIS when you return to full time work!

Sorry I can't be of more help but your case would best be assessed directly through the CWS!

If you would like to PM me more info I would be happy to try to do a rough assessment for you as a guide only!

(No need to include personal details just all your income details & the amount of mortgage interest payable per month)

Xcellor

braceface wrote: »

What can I do?

Not possible to reconcile with husband?


Jeez breaking up after just having a baby,, 6 month old.... That's rough.

daltonmd

braceface wrote: »

Hi
Hoping I can pick some brains. I have recently separted from my husband, leaving me with the mortgage and a 6 month old baby. He gives me 900 a month, 775 of which is going towards our joint mortgage and joint car loan, leaving me with 30 a week for bills/baby etc.

I have applied for One Parent & FIS but been told I earn too much (?!) I normally come out with about e1800 a month from work, but currently on maternity leave so getting about e1500 a month (mortgage is e1300)

What can I do? Is there anything else I can apply for? Getting seriously worried about the coming months......

Thanks

The first thing you need to do is contact these guys. http://www.citizensinformation.ie/en/birth_family_relationships/separation_and_divorce/family_mediation_service.html

The second thing you need to do is ask your ex to lodge his part of the mortgage himself and pay you maintenance for you and your child - the mediation service will advise you on how to do this. I would then appeal the FIS decision because without this mortgage payment your income is less than 506 pw, this is the ceiling for FIS.http://www.citizensinformation.ie/en/social_welfare/social_welfare_payments/social_welfare_payments_to_families_and_children/family_income_supplement.html,

If you are on maternity leave receiving 1500pm then you should qualify.The mortgage payment is not maintenance for you or your child. But if you are declaring the 900 then it's taken as income - it's not, it's your husbands financial obligation to the joint mortgage.
I hope this helps.

braceface

Thanks everyone
No Xcellor, don't think there's any chance of reconciliation, he's made that very clear (d*ckhead)

I have been to Citizens Information, they helped me with the One parent / FIS forms. They did say to go back if I was refused.

Ex is against mediation, doesn't think we need it but I think you're right daltonmd, we need help sorting this out - I'm the one freaking out about paying my bills.

Sorry keredern, alll figures are Net. Husband is only giving e900.00, nothing else towards mortgage so I will have to arrange that he pays his part of mortgage directly

Next step....Mediation

Thanks again

daltonmd

braceface wrote: »

Thanks everyone
No Xcellor, don't think there's any chance of reconciliation, he's made that very clear (d*ckhead)

I have been to Citizens Information, they helped me with the One parent / FIS forms. They did say to go back if I was refused.

Ex is against mediation, doesn't think we need it but I think you're right daltonmd, we need help sorting this out - I'm the one freaking out about paying my bills.

Sorry keredern, alll figures are Net. Husband is only giving e900.00, nothing else towards mortgage so I will have to arrange that he pays his part of mortgage directly

Next step....Mediation

Thanks again

Hi there, it's a sad situation you're in but don't let your ex dictate the situation.
Also forgot to tell you to contact the revenue about your tax credits, you might be eligible for the

" One-Parent Family Tax Credit
If you are separated or divorced and you have a child that you support and that resides with you for some part of the year, then you may be eligible for the One Parent Family Tax Credit."

http://www.citizensinformation.ie/en/money_and_tax/tax/income_tax_credits_and_reliefs/sep_divorce_income_tax.html

Hope this helps.

braceface

So, just back from the Community Welfare Officer after being told there is nothing they can do to help. I'm at my wits end now. I would actually be better off if I didn't work, which is something I will now have to consider......

Waiting list for Mediation is 5-6 months and don't know if it would help anyway, I don't think ex has much more money he could give even if he wanted to. Haven't heard the official no from FIS so fingers crossed on that one. Can't believe i've ended up in this situation

Lugh Ildanach

braceface wrote: »

So, just back from the Community Welfare Officer after being told there is nothing they can do to help. I'm at my wits end now. I would actually be better off if I didn't work, which is something I will now have to consider......

Waiting list for Mediation is 5-6 months and don't know if it would help anyway, I don't think ex has much more money he could give even if he wanted to. Haven't heard the official no from FIS so fingers crossed on that one. Can't believe i've ended up in this situation

Might seem that you'd be better off if you didn't work, but that's unlikely to be the case. You'd be getting 217 Euro a week, not 1500 a month and you'd still have all your bills to pay!

For practical support perhaps contact the likes of One Parent Exchange Network http://oneparent.ie or One Family http://onefamily.ie both of whom provide excellent support networks and advice.

Also, MABS can give great advice on how to deal with the mortgage company, and whether payment holiday or switching to interest only may be an option. www.mabs.ie

Information given by daltonmd above is very good! You would be better going to FIS with this information than waiting for a negative decision to be reached.

braceface

Lugh Ildanach wrote: »

Might seem that you'd be better off if you didn't work, but that's unlikely to be the case. You'd be getting 217 Euro a week, not 1500 a month and you'd still have all your bills to pay!

That's very true, but I wouldn't have a €880 creche bill to pay! Thanks for the websites, will go investigate

monkeypants

braceface wrote: »

That's very true, but I wouldn't have a €880 creche bill to pay! Thanks for the websites, will go investigate

You're on maternity leave, why the creche bill?

Lugh Ildanach

braceface wrote: »

That's very true, but I wouldn't have a €880 creche bill to pay! Thanks for the websites, will go investigate

Absolutely, childcare and transport costs aren't accounted for, and often make the difference between making work viable or not.

There are some cheaper options for childcare out there, although they're not available in all areas, 880 is a huge amount to be paying for a creche!

braceface

monkeypants wrote: »

You're on maternity leave, why the creche bill?

I'm back to work in 4 weeks.

Yeah 880 is alot, I need full time care, but I've looked at tons of options - every creche in my area / Au Pair / Childminders and it's currently my only option.