Job Seekers denied

[norstar]

My wife was made redundant recently and went to claim job seekers. She recieved a letter saying she wasnt able to claim as she hadnt paid enough NI contributions over the last 2 years. Now here salery wasnt too bad but she was part time and this is what they are saying is the problem. They also say we cant claim income based as I earn too much. In our current situation half my wages each money will go straight on the mortgage. After bills are paid, petrol etc we will just have enough for food.

 

Does mortgage payments get included when working out entitlements.

Surely we must be able to claim something.

 

It just annoys me that people who have worked and come into difficult times are ignored by this government, while people who dont pay a penny into the system get what ever they want.

[Dragon2020]

My wife was made redundant recently and went to claim job seekers. She recieved a letter saying she wasnt able to claim as she hadnt paid enough NI contributions over the last 2 years. Now here salery wasnt too bad but she was part time and this is what they are saying is the problem. They also say we cant claim income based as I earn too much. In our current situation half my wages each money will go straight on the mortgage. After bills are paid, petrol etc we will just have enough for food.

 

Does mortgage payments get included when working out entitlements.

Surely we must be able to claim something.

 

It just annoys me that people who have worked and come into difficult times are ignored by this government, while people who dont pay a penny into the system get what ever they want.

 

If she has her p60s tell her to phone her tax office to make sure all her national insurance was paid upto date from the employer as to me it sounds as though they could be missing.

 

This is not a definitive answer its just something to check to make sure all is above board from her previous employer.

[ErikaPNP]

Mortgage payments are only included when a person has been in reciept of an income based benefit for 13 weeks, and they wish to claim mortgage interest relief. It pays the interest only, not the capital.

 

You may be entitled to tax credits. You can claim by phoning 0845 300 3900 and asking for an applicaiton pack. If you are already receiving tax credits, advise them of your new income and they will adjust your award.

 

Have a look here too, to see if based on your personal circumstances there is anything else you can claim: Start Calculation

[nikkidh2005]

i would def check with inland revenue re contributions too.

my husband was made redundant in april and was told that we couldnt claim as last 2 years NI were not paid up!

he worked for a sunday time "TOP100" GLOBAL COMPANIES TO WORK FOR!!! YEAH RIGHT, COS THEY ARE SO NOT GONNA PAY NI CONTRIBUTIONS ARE THEY??

 

ALSO , INSIST THAT YOU ARE ON INCOME BASED FROM THE START AS AFTER 13 THEY PAY INTEREST ON MORTGAGE, BUT CONTRIBUTIONS BASED THEY DONT. HAVE TO BE ON THAT FOR 6 MONTHS AUTOMATICALLY, THEN THEY PUT YOU ON CONTRIBUTIONS BASED THEN AFTER 13 WEEKS ON THAT THEY WILL PAY INTEREST.

 

THIS IS ONLY OUR PERSONAL EXPERIENCE OF THE SHAMBOLIC BENEFITS SYSTEM AFTER 22 YEARS OF NOT CLAIMIMG A SINGLE THING, BUT WELFARE RIGHTS WERE FANTASTIC, AS WAS THIS SITE FOR SHARING INFO AND ADVICE

[NewSAHD]

Our family found ourselves in a similar situation a few months back

 

Probably telling you something you already know, but have you considered a mortgage holiday?

 

After losing my job I was able to fix a new, lower mortgage rate and then take a mortgage holiday, all at no penalty, so when the mortgage kicks back in we end up paying ''less'' out each month than we were before too

 

Have gone through all other bills/utilities in a similar way, so that we can pay our way for now and keep a roof above our head