Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder folle Novitiate

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    Default Tax credits investigating living together - please help

    ihi i am in a position of a 2 year investigation, i got a letter through my door last thursday , had to phone this woman at hmrc and she told me what to do and was writing everydown as i spoke , they think my husband is living with me .
    we have a joint morgage joint bank account as have a 5000 grand overdrafticon, i isure the cars as it is cheaper, and he has been living in london, he has been staying with a friend and has now got a room, somewhere in wembly. the mobile phones are in my name and most of the utility bills in my name , i have only got a cash account where all my stuff goes, he is still on the council tax as use to come back to see his daughter , would either sleep downstairs or in her bed and my daughter would come in with me. hence the reason he is still on the council tax. M y daughter has been bullied at scholl and we are in the middle of changing schools which i have to drive her to, if i go to prison what will happen . ia m now having sucidal thoughts as i tried to commit suicide when she was a baby i am down on diazipan and something else and have to go back to docs tomorrow, i am so scared , suicide i think is the way out i dont want to got to prison, i am thinking about handing my notiice in at work as if i end u[ going to prison i would not want them all to know . please help me someone, i do hope your case gets sorted


  2. #2
    Basic Account Holder folle Novitiate

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    Default Re: Tax Credit Investigation Help Please

    hi i hope u get this sorted i have a 2year tax credit investigation , have a joint morgage joint bank account becase of a five grand overdrafticon, all my stuffgoes out of my own account, i insure both cars as it is cheaper , mobile phones in my name, most of the utility bills in my name, council tax in both names as he use to come back weekends to see his daughter. he live in london and has got to letters to prove that, but it is not looking good for me . i use the joint account but give hime the ccash for it unless he agrees to pay for it , they will not believe my story i had to phone the hmrc and provide a years worth of bank statements is that normal. she was a cow to me and wrote evrything down asked me questions like how did he get his statements , i said he didnt he checks the bank statements come hereand he has been using this as a postal adress as did not want his postbgoing to where he had a room with his mate as it was a communal post place so anyone could pick up his post, he has now moved, he was here over christams as he had to move out and we spent christmas with my family, i dont hate him but now just want out, i got very ill over the christmas period had a pheumonia virus so he looked after my daughter , but from the beginnig of jan got his new room.
    i am now on diazi[pan and something else and feel very suicidal, i think that is the way out for me, i have a 12 year ol daughter who is in the process of moving schools, and i would have to drive her cant if i am in prison am scared and now want out , please can anyone help


  3. #3
    Basic Account Holder folle Novitiate

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    Default Re: Tax Credit Investigation Help Please

    can someone please give me some advice please i am so worried, does a first offence mean , this tax credit or if they go back is each year counted as an offence if this makes sense am at my wits end.
    PLEASE HELP ME


  4. #4
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar

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    Default Re: Tax Credit Investigation Help Please

    Quote Originally Posted by folle View Post
    can someone please give me some advice please i am so worried, does a first offence mean , this tax credit or if they go back is each year counted as an offence if this makes sense am at my wits end.
    PLEASE HELP ME
    Hello there and welcome to CAGicon.

    Not everyone here knows about tax credits so you need the right people to turn up and see your posts. So please bear with us, you've only been here since 2pm .

    I'll start a new threadicon of your own and flag it for the site team's attention.

    My best, HB


  5. #5
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    thanks so much i just dont know what todo.


  6. #6
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    Default Re: Tax credits investigating living together - please help

    Quote Originally Posted by folle View Post
    thanks so much i just dont know what todo.
    I know it's tough. There will be answers for you and people here will help you through this. I'll keep an eye on the thread and see how you're getting on.

    HB


  7. #7
    Basic Account Holder Yam950 Novitiate

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    Default Re: Tax credits investigating living together - please help

    Do they have any evidence he is living with you?


  8. #8
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    the cars are insured here in my name , his post comes here as explained above , he has got letters of where he has been staying past and present the hmrc was a cow to me, writing everything down and i got so confused , i am thinking about giving up my job as dont want people finding out and feel very suicidal.


  9. #9
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    i am at my wits end , shaking not eating , i am so scared i will go to prison.


  10. #10
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    have just spoken to my gp again as i am now on diazipan and something else , god i just want this over , cant take much more and only been a week .


  11. #11
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    Default Re: Tax credits investigating living together - please help

    Folle, have you talked to the CAB about your problem with tax credits?

    HB


  12. #12
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    Default Re: Tax credits investigating living together - please help

    have you been invited to an interview under caution.

    hmrc mostly likely got their evidence together and need to hear what you have to say.
    council tax and electoral: your partner should have been removed from these. your ex should not have stopped over night except in emergency circumstances. from what you have said its going to be hard to explain why you didn't do it. there argue you would have known about it for the 25% discount

    again your partner staying overnight is a big no no. except in emergency circumstances and i don't think you have met that

    using a joint account: again is a big no no. and i guess they wont believe you. part of their check now includes who puts money in and who withdraw its

    joint mortgageicon is no so bad as its hard to remove one name from a mortgageicon because the mortgage want to protect its investment

    we can only go by what you are saying
    my advice is if your partner is living you then come clean and explain why you did it. a 5000 overdrafticon is one factor. you will have to repay every penny back but hopefully you would avoid the courts

    beware the fraud team collect vast amounts of evidence so beware they could have other evidence for example job application forms for you ex giving your address catalogue companies delivering stuff to your address and loans all taken out at your address


  13. #13
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    i go to the cab next wednesday but i dont think my nerves will last that long , i feel like phoning the hmrc and say do with me what u have to, i know i sound like a fruit cake , i could not cope with prison am thinking about handing my noticce in at work

    folle


  14. #14
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    he is not living with me he has an adrress in london, i dont hate him just cant live with him due to arguments etc, will i go to prison


  15. #15
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    i have not ad an interview under caution as my stuff has not been sent in yet, you are really scaring me , he is not on the electorol here, i thought he was allowed back to see his daughter , that is why i did not collect council tax rebate , am now feeling very suicidall , you have scared me


  16. #16
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    Default Re: Tax credits investigating living together - please help

    first offence: no but as i said we can only go by what you tell us. if he has his own address in london then maybe he has evidence to prove it. does he pay council tax or rent. has he had loans etc at this address and insure is own car from this address.
    if he can then you properly get a warning about letting your ex stop over night. dont know how you can explain the joint account


  17. #17
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    i am going next wednesday but the earlier post on here dont look good for me , i cant go to prison , folle


  18. #18
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    yes an old next directory account but i always pay the bill did not even think about that , may as well prepare my funeralicon


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    Default Re: Tax credits investigating living together - please help

    Hi folle.

    It's easier said than done, I know but you need to calm down - you will drive yourself to distraction worrying what may or may not happen.

    Tax credit very rarely prosecute. Very rarely. To reassure you about that, I've helped people with hundreds of tax credit cases where an allegation of fraud has been made. Of those hundreds, I've seen only one prosecution. In most cases the investigation is a civil one, where the aim is solely to recoup the money lost - sometimes with an added financial penalty. Requesting a years worth of bank statements is perfectly normal; this happens in almost all compliance enquiries when they are investigating a potential undeclared partner. They also usually ask for a host of other documents such as utility bills, mortgageicon docs, wage slips, council tax bills. The issue that I forsee is one of proof, as a previous poster said. All the paperwork available appears to point to him having a partnership with you. Even in cases where it's been decided fraud has occured, prosecution is rare with tax credit. However, if you haven't already spoken to your husband, I would suggest that you do if he's approachable. He may have some documents which disproves their allegations and which could help you. Also, if you are legally seperated then the paperwork in relation to that would help.

    As a consumer forum, we'll help where we are able to with your tx credit issues. Also because we are a consumer forum, we are unable to assist you with your the feelings you are experieincing at the moment. I know that you have gone to your GP and have obtained medication but if you are feeling in despair, I would urge you to contact the Samaritans. You can link to them here: Talk to Someone


  20. #20
    Basic Account Holder folle Novitiate

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    Default Re: Tax credits investigating living together - please help

    no his car is insured here , all h e has got is letters staying he has lived there from the land lord and home owner, the joint account is because we have an overdrafticon on it and could not come off the account. if he will agree to take on the debt then i can come off but wont change my situation now, what do u mean by first offenc e, no ,
    folle



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