Jump to content

Showing results for tags 'credits'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • The Consumer Forums: The Mall
    • Welcome to the Consumer Forums
    • FAQs
    • Forum Rules - Please read before posting
    • Consumer Forums website - Post Your Questions & Suggestions about this site
    • Helpful Organisations
    • The Bear Garden – for off-topic chat
  • CAG Community centre
    • CAG Community Centre Subforums:-
  • Consumer TV/Radio Listings
    • Consumer TV and Radio Listings
  • CAG Library - Please register
    • CAG library Subforums
  • Banks, Loans & Credit
    • Bank and Finance Subforums:
    • Other Institutions
  • Retail and Non-retail Goods and Services
    • Non-Retail subforums
    • Retail Subforums
  • Work, Social and Community
    • Work, Social and Community Subforums:
  • Debt problems - including homes/ mortgages, PayDay Loans
    • Debt subforums:
    • PayDay loan and other Short Term Loans subforum:
  • Motoring
    • Motoring subforums
  • Legal Forums
    • Legal Issues subforums

Categories

  • News from the National Consumer Service
  • News from the Web

Blogs

  • A Say in the Life of .....
  • Debt Diaries

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location

  1. Mine have gone down in the last 3 weeks by almost £50 a week. I assumed it was because of teens ages, it happened last year too, but only for a couple of weeks. Can be something to do with admin adjusting from school leaver to college. I assumed it's the same this year, although I did let them know earlier in the year that both my 2 are at college another year. Son turns 20 in March, daughter is 18 in January. I will try & ring them monday. But is it possibly that? As I say it didn't go on this long last year & having checked my online banking, they don't backdate the payments when they sort it either do they! Why is that?
  2. I have left my partner this year and we filed correct tax credit forms, he was only allowed to bring £1200 in per month because of arrears in CSA to children from his previous relationships. I have a 2 year old daughter who relies on these credits for her nursery fees and I have just recieved a letter saying that he had contacted them and said instead of the £33,000 he earned he actually earned an extra £20,000 on doing home jobs. This is totally untrue but the Tax Credits office are now saying that due to this new information I have to pay £6,000 back and they will stop my credits now meaning my daughter will no longer be able to attend nursery and I will not be able to work the hours I do. Without any evidence which he cant produce as it is not true can the tax credits office just demand this. He is currently being prosecuted for harrassment and this is another way he is destroying my daughter and my life. Where do I stand Please please help as I am on the verge of bankruptcy
  3. After a long drawn out battle with HMRC claiming we were over payed by 3.5k, we discovered that we have lost our appeal and would have to pay in full or the "debt" would be handed over, we have just had a letter from Advantis who are demanding the money. I refuse on principle to pay the money as we done nothing wrong and declared everything we earned however it seems HMRC are both Judge and Jury and we really do not know where to go from here, any advice would be most welcome. Thanks in advance
  4. Hi just wondering if anyone may have any info on this. I renewed my tax credits on the 18th june online. still not heard back or anything and i know the deadline is the 31st now what will happen will i keep getting my normal tax credits payments?i have done my renewal in plenty of time just not heard back.
  5. Hi. I just have a question regarding ESA. My husband had spinal surgery in October and has been on ESA since the end of September. He has received a letter saying he has to attend a medical on the 13th February but thats the day he is due back to work and all being well he will go back that day. Do I ring and tell them that he is back to work that day and they should cancel the appointment for the medical? Many Thanks
  6. Hi CAG this is my first post. My wife received a letter today regarding £532 which the Tax credits says she is due them because of an overpayment. When we first got together in 2011 I signed on to JSA which we did as a joint claim etc, everything above board and we specifically asked if we needed to tell CTC about it and they said that no, the info goes on the computer and all agencies get to know so that was fine. 5 weeks later we get a letter from CTC saying that there had been a change in circumstances and that we needed to get in touch to continue to receive entitlement, so we called immediately and spoke to a nice chap who took the details and told us that they'd received info from JCP about the new claim etc but needed us to call, which we now had done, everything hunky dory. Now we are asked to repay the money that we got for my wife's children during those 5 weeks. Its not even as if with the new circumstances we weren't entitled. We haven't had a penny that we weren't entitled to, just that we were late (by a week since they give you 4 weeks leeway) in telling them about a change that didn't even affect our entitlement. While on the phone today the irksome character on the other end of the phone cheerfully informed my wife that she also has over £2k overpayment that was made back in 2006 when she was with her ex, which she had no idea about and they have never before attempted to collect although again there had been no periods where she/her ex had earned over £50k to preclude them from receiving CTC. Is there any course of action we can take to try to get someone with a sense of reason so see that we are not guilty of wrong doing and haven't taken any money to which we were not entitled? Or is it just a big money grabbing austerity con?
  7. Hi , I hope somebody can give me some advice, I received a letter today from HMRC asking for wage slips from last April 13 to this year, i started working last august and gave them all the info and put in a childcare claim for my 3 children, I unfortunately had to leave this job last sept due to employer changing my hours and i stupidly carried on claiming the childcare, which was £80 per week as i was still activly looking for work. I realised how stupid i was being and rang in feb this year to cancel childcare and tell them i am no longer working, a bit late i know im not going to justify this silly mistake, it was money we had come to rely on. the letter does not mention childcare but asks for my wage slips as they think my award is wrong and they need to update my award by july 11th or my claim will be stopped, can anyone advise me what to do??
  8. I have been battling to get the disability element for working tax credits for the 2012/13 tax year for some time. Unfortunately I found the initial claim form confusing and I didn't mention DLA on it although I did mention it on two occasions on the telephone, once for the initial claim (which they say doesn’t count as that was just to get the form in the first instance) and also again a month later when I queried the zero award I had received. As I had received a zero award I assumed I had been turned down for both the tax credits and the disability element. It was only a year later, when I started receiving tax credits, that I realised the disability element was missing. I telephoned again and this time it was awarded and backdated a month. I then took it to the appeal tribunal as they would not award it to me from the start of my claim. I lost as the judge said they had to stick by the one month backdating rule but I had a clear case for raising a complaint with the tax credit office with a view to receiving compensation.This was also put in a letter. I have since been through both tier 1 and tier 2 complaints with the tax credit office and now it is currently with the adjudicator. First they denied I had ever mentioned DLA in my telephone call, but I had recorded evidence (which they provided!), and then when they did admit it they stated the following: We asked if you were receiving any social securitybenefits. You replied DLA. Please note receiving DLA does not constitute youare disabled unless you tell us for whom this is paid for within thehousehold.’ I find the above statement frankly incomprehensible. I was specifically asked if I was in receipt of any benefits, not if anyone in my household was in receipt of any benefits. If I was asked if I was working and I replied yes, the tax credit office wouldn’t say this doesn’t mean you are in work because you haven’t told us who was in work within the household! Surely there is also a responsibility on the part ofthe advisor to ask more questions in order to verify the facts if unclear about anything that has been said. My question is, do you think I still have a case?
  9. Today I've realised that I've done some thing stupid and possibly costly. I stated a new job last year and when I filled in my tax credit form I put down the amount of wages that I expected to earn, which was a lot more than previous years, so the credits people wrote to me and said because I'd had so many weeks up to that point that it was stopping as I had reach the entitlement already, no problems!! Just opened my renewal for this year and discovered that sons child tax credits stopped in August last year , I honestly do not remember if I told them he was staying on in school to do A levels, I told some one but the more I think about it I think it was just the child benefit people, I know I filled a form in for them. Any one know if I can claim the money and if I can't will I be able to claim for this year. He's still at school going in next Sept to start second year of them. As if money wasn't tight enough!!! can't believe I struggled when I might not have needed to
  10. Hi, I'm hoping someone can shed some light on this and just put me a bit more at ease! I received a letter as I see many people have the last few years asking for proof of all childcare payments from April 2013 - April 2014. I have got all this information but there will be some overpayment as my daughter changed nurseries April 2nd 2014 and my son got his free 15 hours as of April 28th 2014. I called many times to update but as with tax credits I was on hold 20-30 minutes at a time. I think my overpayment is around £1000. My question really is how soon after sending information off were claims changed? My only concern is they want this information by the end of this week and my next payment is due a week later. On my payment date I'm due to move house and am just worrying over not knowing exactly what money will be paid in on that day. Do they adjust your claim and immediately take repayments or write to you so you can arrange the repayment amount yourself? My children's father has just been made redundant as well so I am currently not getting any payments from him and cannot afford my income being cut down much in this current situation. Any advise or knowledge from experiences very welcome! Thank you
  11. Hi, does any one know if are child / working tax credits will be affected ? currentlly receive child tax credits and working tax credits, one child gets DLA so i get a higher child tax credits due to that i think. also get £33 a week towards rent from Housing Benefit. anyway are incomes are ther same or near eneough as last year so wasnt expecting much of a change, then today a letter came from the housing benefit saying they had been informed of a change in circumstances by tax credits that we receive higher rate because a child receives DLA, and that they didnt calculate this in are housing benefit and should have been awarded more. this goes from 2011 to present, they owe me £7280 and weekly HB now gone up from £33 to £82 a week, they also sent me a letter to sign for help with council tax. does anyone know if this back pay of £7280 and the HB increase will come off my tax credit awards ?? i just received extra payment like most people last week and it was £5 more than my normal payment ? i think this also means my renewal form is on way. any info on this would be great, ime currenttly thinking there paying me this back in one hand and will be taking it back in the other! Also the letter attached about council tax says iam also probablly now entitled to this benefit and to sign and return the form! then goes on to say this can not be back dated so make sure you apply in time!! i have applied every year and been told i was not entitled so if i get it now its because of there error in not adding my childs dla ?? which also means i should have been receiving this since 2011 ? is there anyway to get them to back date this too :?: Thanks everyone.............. Kristyn
  12. Good afternoon, I was issued with a letter in July 2013 for an overpayment of tax credits for 12k!as they believd i had a partner living with me, Im a single parent but the childs father lives at the same house due to the mortgage.Neither of us can afford to live alone and or come away from the mortgage, not to mention the house being in negative equity. Other than this i have no attachment to the man. Anyway. I have yet to start re paying my debt as i am on a low wage and really struggle financially anyway. I have kept in touch with HMRC at all times informing them of my situation and responding in a timely manner when asked for information etc. They went through my expenses and agreed i couldnt afford to start repaying any money yet. I wished i had appealed at the time and tried so far with it but i am not strong enough mentally, and all this is making my alot more ill than i was already and i an now seeing my mental health worker more and more! Just over a week ago i was sent a letter to state i have been issued with the maximum fine of £3,000 to pay? How o earth can they do this? i am worried to death and cannot see any way i can possibly pay £15k back? I would have thought if i was to be issued a fine it would have been in the beginning? Could someone please advise me the best road to take? Im at my wits end and already feel very weak. Ive tried calling and calling everyday and two numbers they have provided me with, One rings out and one is constantly engaged. I called the main HMRC number to see if i could get another number but they dont have one, theyve updated their system with my mobile number and advised i am contantly ringing but to no avail and suggest i write a letter? I just want it sorting! I hope you can help! Many thanks in advance
  13. Me and my husband have been receiving tax credits since 2009 without a problem. They have had my day of birth out by 1 day ever since we started to claim, we have informed them on a number of occasions but nothing has been done about it. Today we received an Amended tax notification which stated we would be over paid by £19. My husband called them and its because they have stopped our claim?? Apparantly, they had sent a form out to me back in January so i could send my birth certificate to them to prove my real date of birth. We never received this so obviously have not sent it back. Now we will not be getting child tax credits until we send my birth certificate off (another form has been sent out apparantly). Our problem is, we were due it tomorrow (4th April) and it is our only source of income this week. We have 2 children aged 2 and 5 and no one we can borrow money off. What can we do, if anything? Also, when it is reinstated, will it be back dated to when they stopped it?
  14. My daughter who is 21 has received a letter from the HMRC about an £4K tax credit overpayment Threatening her with bailiffs and a distraint order she is on benefits and cannot afford to pay this amount back .We have phoned the number on the letter and they have said that because she is on benefits that they will properly put this on hold until her circumstances change but need to do an income and expenditure form which she would be happy to do but the problem is they have said they will only do one on the phone and not in writing surly this cannot beright when I asked the person on the phone she was adamant that nothing wouldbe accepted in writing and it had to be done on the phone due to the office being paperless. Any advice would be great. Thanks in advance Steveball1966
  15. I wonder if someone can help. My OH has been claiming IBJSA for a few years but only receives around £2.00 per week as I am working 30 hours a week and claim WTC so was informed he would not be entitled to the full amount. I have just been speaking to the WTC people as they needed to know what dates he has been claiming IBJSA. I told them all year and they say it is impossible (1) that you can get IBJSA for that amount of time and (2) he should be receiving around £64.00 a week and then what would happen is that my WTC would then be disallowed. I think this has happened the other way and by me getting WTC his IBJSA even though he is available for work and gets this pittance of an amount the full amount is disallowed. Help I wont want the tax credits people thinking I am trying to pull a fast one. As far as we know he has been claiming IBJSA for over 2 years - is that possible!
  16. Advisors guide [ATTACH=CONFIG]49002[/ATTACH] Website for guide and further information http://www.revenuebenefits.org.uk/tax-credits/guidance/how-to-deal-with-hmrc/challenging-overpayments/
  17. Hi, I really hope you can help me. I received a letter a couple of weeks ago saying that HMCR have made random check on my CTC claim and that CRA check has shown someone as living here (named the person). Now that person is daughter's Dad who was helping me out by getting finance on kitchen appliance. I spoke to CAB and explained this to them and that he pays child maintenance though a joint savings account. CAB said to call them and explain circumstances which I did. When I spoke to them and explained they said that more was showing up at my address but wouldn't say what due to data protection. They asked me if any post had come for him and I said no but in hindsight I do remember junk mail but I just binned it and on asking him he said that my eldest daughter had given him some post when I was at work but he forgot what it was. He isn't my partner which I explained but is very good and sees his daughter regular and pays me quite a bit of maintenance per month which when I checked with CAB (as was in a panick about not declaring it) they said that I didn't have to. My query now is that I have spoken to them what do I do. I am petrified to call them again just in case they ask me something that I can't given them an answer to. This all seems to have happened when my eldest left to get her own flat but has on occasions come back home due to ill health and stayed here again (mold in her flat) and she maybe giving it up now anyway. When I asked her about giving him post she said that it came when I was at work and she just gave it to him when he dropped off his daughter after picking her up from after school club. I work full-time. He does spend considerable time here with daughter so I am not sure whether to stop this though this will upset him and daughter. I have to send the paperwork in by end of this week and am panicking as to whether to just send it in (everything is registered to me etc etc as it is a mortgaged property). Do I send a covering letter, if so what do I put? I don't know what they seem to have with his name on it other than the finance he took out which was good of him. The only other thing is that he is using a mobile number I have registered under my name as eldest was ringing up some huge bills so he said he would pay me the money and have sim (as it is under contract until mid 2014) and get my eldest a capped mobile tarriff so she can't go over, which sounded reasonable at the time but now I am panicking that this might be picked up as well. I'm really trying not to panick and have just been so ill with a viral bug on top of this. I would really appreciate it if someone could give me some advice please. Thanks
  18. Hi I have a mortgage I have had for 7 years. I am on a SVR rate of 4% and am concerned that the bank of England base rate will soon rise thus increasing my payments so want to get into a fixed deal. I work and earn around 10k plus I receive working/child tax credits of £680 a month and DLA for my disabled daughter (only year left on this award though so doubtful they will take this into account) I also receive the standard child benefit and £100 a month maintenance which I can prove. I need to borrow 130k although my property is worth about 185k. Does anyone know if this is possible and if banks will take these kinds of benefits into consideration? I have a good credit report and have never defaulted on a mortgage payment in 7 years. Any advice would be great Thanks
  19. Hi. I assumed HMRC gave working tax credits the final self assessment figure to working tax credits dept by the end of January. Apparently they don't. Even though it's all HMRC! Had a letter from working tax credits saying they haven't had my 2012-2013 final income confirmation by the end of Jan, so they are basing it on the estimate I gave them. The estimate I gave them was £3300 for the year. The final calculation after doing the self assessment was £3735. When I gave them the estimate over the phone I think my council had my first months accounts still & I only added up 11 months worth instead of 12. Do I need to let them know that or doesn't £400 make any difference to our payments over a year? When I go on turn2us benefit calculator & put my income in as £100 a week, it says I should get the tax credits that I always have got, as you can see, £3735 is under £100 a week, so I could be safe?
  20. Please help!! I've come home today to a letter from HMRC Tax Credits. They want to investigate my Single Person claim as there is another adult at this address. Now, I live in my ex partners mothers house with him. I have no utility bills in my name all his I am not on any official rent book so to speak but I am listed with him on council tax and electoral role. We have never claimed any benefit. We have 2 children 4 & 2 who both attend nursery as we both work. We reside at this same address but are not a couple! We share all parenting duties from bathing feeding etc and live as a family unit for the sake of our children under the one roof but are not connected emotionally or financially. We have a strong maternal relationship which is best for all of us. He has a room I have a room and the children share a room. I have never claimed CTC fraudulently although now I have received this letter I am terrified what we've done is wrong! I have nothing in "our" names only his or mine and neither of us are homeowners we just live at his mums house! Please please help I'm terrified - anything welcome or if anyone had similar? Thanks
  21. hi all question please i want to know if someone fails their a levels, can they resit them again in sept at college? do they have to do 1 year or 2 again? or a different course and aged 18 can they still claim tax credits? i thought tax credits was paid up to 20th birthday even if cb stopped i heard re sits are not free? is that true? if so, would he still be entitled to tax credits? i thought tc was given because of low income so can you re take exams or do another course at aged 18 either 1 or 2 years free of charge and stll get the tc with a view of uni after qualified im confused thanks
  22. Hi, Advantis Credit have been chasing me for a tax credit overpayment that I seemingly received back in 2012. We used to get tax credit, but when my wife started working in April of that year we informed the tax credits office of the change and we were no longer eligible to receive tax credits as collectively we earned too much. The payments stopped soon after, and we never reapplied for the new year in June. I thought no more of it until I started getting these letters from Advantis chasing the overpayment. I've written to HMRC asking for proof of overpayment, as I had informed them of all changes and I haven't heard back. Meantime, Advantis are continuing to chase and are telling me that I need to pay the debt and then claim it back from HMRC if I think it's wrong. With the tax credit system one giant mess, I'm not prepared to do that until I have proof that a debt exists, but HMRC are silent on the whole thing; I've written several letters to HMRC asking for proof of debt but I have heard nothing back from them, and Advantis won't back off unless HMRC instruct them to do so. I can't afford to pay this off in one swoop. Any advice?
  23. Cliffs: Just awarded ESA WRAG, 12 month prognosis; mental health. Hope to be ready for work in about a year. Don't think i could cope with full time work straight off. Part-time hours for the first year back seems like the best idea. To get WTC working less than 30 hours a week you have to have been on a relevant benefit (ESA-check). You also need to fulfill the criteria for the work disadvantage test. Parts that may apply to me: 16. You have a mental illness for which you receive regular treatment under the supervision of a medically qualified person. or 19. Due to mental disability you ...or are unable to form normal social relationships. "HM Revenue and Customs may ask you to nominate a professional involved in your care who can confirm how your disability affects you - for example, an occupational therapist, community or district nurse or doctor." So my question is how likely is it that based on evidence from my therapist and/or GP that i will satisfy either of these criteria? Would it help to send evidence along with my application form when the time arrives? Ultimately i do want to get back into work and don't have any sense of entitlement; i honestly believe that my chances of making a full recovery would be greatly enhanced if i could take things at a pace i can manage after suffering through some very dark times in the recent past. It would be a great help if i could get some financial support whilst i get back on my feet and look towards getting a place of my own once i secure full time employment.
  24. help me please this is not my fault today i got a letter from tax credits office belfast saying my daughter s award is subject to a random check and they want proof of her college or school before 1 march or i l have to repay all the money and face a penalty! the thing is she is no at school! i wrote 2 letters in june telling them she was finishing and going to uni i never heard a word back so i thought that was the end of it as i never got any money i didnt understand so i rang my bank and found out they have still been paying me into an account i no longer have i use a current account and there was nothing on there to show payments from them at all the account number they supposedly have be paying it into does not exist! how can i prove i have not received this money! apparantly they have been paying me 132 pound a week from sept as they assumed she s still in full time eduaction she is 19 in 2 weeks im very worried ive done no wrong but with so much tax credits fraud around how can i make them believe i have not got any monies? i have several accounts some i dont use nd some i closed now they will think im a fraud what should i do? thanks diana
  25. I'm hoping contributors might have some advice over this problem. In November 2013 my wife received a letter from HMRC asking for repayment of tax credits from 2008 for a little over £200. The letter was quite amusing in that it says 'We appreciate you may not have heard from us about this debt recently"..... We not heard about the debt at all in all the 5-6 years that have passed. Basically we did not respond, they then sent a second letter two weeks later with bold type stating: 'NOT RESPONDING TO OUR FIRST LETTER MAY HAVE BEEN AN OVERSIGHT. THIS TIME YOU WILL BE MAKING AN ACTIVE CHOICE NOT TO CONTACT US' We didnt respond to this letter either, they'd waited a few years already another couple of weeks would be no harm. They have now sent a third letter saying 'they may get a debt collection agency to collect the debt' What advice would you have over this, is there any appeal and is it worth it? Many Thanks
×
×
  • Create New...