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  1. Just had a very worrying phone call started with me querying the fact that they where still under the impression I was self employed (a job I did for 18 months) got put through to tax credits department who said that we still owed £12000 and this sum was now in the hands of a debt collection agency. And that their last letter to us was March this year which is an absolute lie. they refuse to send copies of any correspondence. Not had any correspondence on this issue for years. This debt goes back to when tax credit's first came out and was based on estimates from my local tax office. When I found out that they could do this I stopped claiming tax credits and never claimed again. I have never ever claimed a penny since and my kids are now 19 and as far as I am concerned must have saved HMRC well over this amount. I was under the impression early overpayments due to their incompatence (not mine) had been written off. I am at an all time low, could never pay it off and face paying this off out of my pension. I work part time earning just enough to keep my head above water and now I feel totally gutted and depressed. Any advise would be helpful, especially as I don't even know where to find or if I still have my paperwork. HMRC will not issue old correspondence they say they have sent to me, which I know I have not had. So how can I fight this?
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