Fictitious desertion2.Fictitious desertion is considered to have occurred when a claimant suggests that their partner has left the address. However, evidence later comes to light to demonstrate that they had never separated and had continued to live together as a couple throughout the period concerned.Found this online, we wouldn't actually be living together, he would be a 4 hour drive away so not like we'd be making that up.Collusive separation3.Collusive separation is when the partner has left. However, they may have separated after agreeing to a course of action, for example, to take advantage of the benefits system, the partner moves out for a short period of time with the intention of moving back after the claim to benefit has been processed and payment commenced.I can see how people would do this, but our intention it to relocate as soon as partner finds a job. In no way are be trying to take advanatge of system. Suppose all I can really do is be upfront and honest about everything then that way I know I've did everything as I should. I have tried to edit this as it is not posting in paragraphs for some reason.

Ok thank you for that I will need to look into that then, this is exactly the type of advice I am looking for. I wouldn't be lying saying we have split up as we haven't, we just wouldn't be living together and as alot of people are in a relationship but don't actually live together I thought that maybe this would be a similar situation. What a mess, can't wait to get back on our feet. Hopefully my partner finds a job very soon it would save all this stress and worry.

Everything is already in my name bills wise at the moment, I have already spoken to my landlord to have the tenancy changed to just my name and will inform council tax and the electoral roll when he makes the move next week. His car insurance will have to be changed to his parents address and he is going to change address with his bank alo, there is nothing else in his name here. I'm trying to focus on the all things happen for a reason thought and that us making the move will actually tuer out to be the best thing for us if my partner can get a job. I have always worked and never claimed any sort of benefit until my son came along and was actually shocked to discover we'd get tax credits.

Thanks for your reply.No I understand that, if he was earning then of course he'd be supporting us but he isn't therefore can't provide for us financially, hence us having made this decision. As soon as he gets a job we plan for my son and I to move to be with him again as there is better job prospects than where we are as it took him over a year to find his last job.I agree it is a grey area I always do things by the book so I just want to make sure I am doing so in this situation as it's not something I know enough about.

HI, I'm looking for some advice.My partner lost his job a few weeks ago and we have made the decision for him to move back to live with his parents in order to find a job as we can no longer afford to live together. His parents live a 4 hour drive away so he would visit every other weekend (his parents will help with travel costs) as we have a young son. This is not an ideal solution but our only one at the moment (we have looked at several options over the last few weeks) I work 30 hours per week and my son is in childcare so my question is would I be eligible to make a single tax credit claim? We are hoping that he will get a job and then we will consider relocating, I have enquired about a transfer through my work to an office near his parents but this could take several months to happen.I need to know if this is something I can do, we will still be a couple but until he finds a job and we can move to be with him he will be unable to help support us financially. I certainly don't want to make a single claim if this is classed as fraud.Thank you for any advice.

Anyone? I have went into my bank and they gave me a number to call, so I called them and put in a request to have the recurring payments stopped with Lending Stream, I was told that the request would be made and a note put on my account so that id they did try to take money and succeeded I would get that money back the same day. I asked why they would be allowed to take a payment if I had specifically requested them not to? I can't even remember what she said to be honest. I asked for confirmation in writing of our discussion which they can't do. So now I just need to sit and wait and hope they don't try wipe my account? I am now about to contact Lending Stream via email/letter with my repayment plan request what is the best option?

Hi all, looking for some advice. I have stupidly got myself into a vicious circle with these payday loans, I have not missed any payments as yet, last week I was due to pay nearly £600 to Wonga and set up a repayment plan 2 days before so that one should be under control. I owe around £400 to Lending Stream (just posting amounts off top of my head give or take a few £s), £150 to Quid.co.uk and £100 to Peachy. I wish to set up repayment plans with each of these companies. I understand I need to cancel my card. How do I go about cancelling the CPA I think it's called? Do I go into the bank to request this or do it over the telephone, in writing? How do I know that this has been done? I cannot open a new bank account it is a joint account with my partner it would cause far too much hassle to do this before my payments are due next week. I am also concerned about these companies making calls to my work as I have read before that this can happen? Any advice would be very helpful

PDLvictim I've just had a look at your signature, well done on clearing most of your PDLs, how did you do it? I've got myself into a bit of a muddle with a few and I'm desperate to get them paid off.

Hi, I set up a repayment plan at the start of this week I am going to pay off my £700 balance in 2 payments, one next month and then the following month. It is showing on my online account under repayment plan. However I am very concerned that it is still showing my promise date as tomorrow and I am so worried they will try to take it out my account tomorrow, would they do this? I don't have the funds to cover it anyway but I need what is in there for other bills.I have considered calling my bank and cancelling my card I'm that worried! Any advice appreciated.