Hi, I have never been on or actually had the need to join one of these forums but I read them alot and find them helpful in other matters so I wanted to try and share my problem and gain some advie as I am in much the same sitaution as you guys. I have a 3 year old Daughter and am a Single P/T working Mum, I have had to change jobs twice in the last 2 years due to redundancy and managing to get a job with better hours. My Daughter goes to Nursery and is still going there. I have had a review letter in conjunction with my Claim renewal I have just made and I know that they have overpaid me on childcare by approx £2000 in the last year due to me not contacting them to amend the amount of days she is going after changing my job Last Year. I am terrified of what the outcome is, Luckily after begging and grovelling to my Parents yesterday they have agreed that any overpayment they will lend me the money to pay it back just to get rid of the debt but I am so frightened of what action HMRC will take against me, as, like all of you, My Daughter is everything and I could not possible Loose her. I have compiled all the Receipts and copy of contract they have requested and am ready to post it to them but I am not sure if I should just phone and tell them I know about the overpayment and offer to just pay it, or attach a letter to the documents? what advice would you give? I am not proud of myself, far from it, I am just struggling in these economic times like everyone else, there is just not enough help out there for people on low incomes and trying to make ends meet.