ILR without a good account

[cb13]

I am due for ilr this coming August but my fear is i do not have a good financial history.i am self employed as a musician,i only get £240 per month and have no savings in my account.i need to add this,i am on spouse visa at the moment and my wife is not working at the moment.what do you think are my chances?

[Amber]

I am due for ilr this coming August but my fear is i do not have a good financial history.i am self employed as a musician,i only get £240 per month and have no savings in my account.i need to add this,i am on spouse visa at the moment and my wife is not working at the moment.what do you think are my chances?

You need to be able to adequately maintain and accommodate yourself. Basically, for a couple with no children, an income of £112.55 Net per week after rent deduction to be available. Have you claimed tax credits?

[cb13]

Yes,my wife claims tax credits for our 2kids as I am not permitted to claim benefits

[Amber]

Yes,my wife claims tax credits for our 2kids as I am not permitted to claim benefits

The tax credits claim must be in joint names. The child benefit should be in her sole name. If you are getting tax credits, then you should get WTC if you are self-employed and 'working' for at least 24 hours a week between you both, with one of you working at least 16 hours a week. The term working is broad when considering self-employed and can include admin etc so it should be feasible to make the 24 hrs per week.

For a couple with 2 children the income you should be looking at is £243.79 Net per week after rent/mortgage deduction. You can include child benefit and tax credits.

[cb13]

thanks for the reply.do you think i can still include my name on the tax credit?and how can i show my income as i get paid cash from my client?

[Amber]

thanks for the reply.do you think i can still include my name on the tax credit?and how can i show my income as i get paid cash from my client?

If the claim is not in joint names, it could be classed as benefit fraud. You must have a couple claim for tax credits. You just tell them what you are earning.

[cb13]

so what do you suggest i do?can i call them to add my details now and hope it s not too late?

[Amber]

Yes and tell them approx how many hours you work per week including admin etc... I.e. 25, and how much you make roughly per week. Expect the claim to be suspended whilst they work it out.