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    • HI DX Yes check it every month , after I reinstated the second DD I was checking every week. Also checked my bank statements and each payment has cleared. When responding to the court claim does it need to be in spefic terms ? Or laid out in a certain format? Or is it just a case of putting down in writing how I have expained it on CAG?
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    • You have of course checked the car is now taxed and the £68 is stated against  the same reg?  If the tax for the same car did over lap, then I can't see you having an issue pleading not guilty Dx
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    • Afternoon all Looking for advice before I defend claim for car tax payment that the DVLA claim I owe £68 from an idemity claimback from my bank and unpaid tax  brief outline. Purchased car Jan 30th ,garage paid the tax for me after I gave them my card details  first payment £68 out in Feb 24  followed by payment of £31 from March due to end Jan 24 Checked one of my vehicle apps and about 7-10 days later car showing as untaxed? No reason why but it looks like DVLA cancelled it , this could be because I did not have the V5 and the gargae paid on my behalf but not sure did not receive a letter to say car was untaxed.  Fair enough I set up the tax again staight away in Feb 24  and first payment out Mar 31st , and each payment since has come out each month for £31 , this will end Feb/Mar 2025, slightly longer than the original tax set up, all good. I then claimed the £68 back from my bank as an indemity refund as obviously I had paid but DVLA had cancelled therefore it was a payment for nothing?  Last week recieved a SJP form dated 29th May stating that DVLA were claiming for unpaid tax and a false indemity claimback which of course is the £68. It also stated that I had received two previous letters offering me the oppotunity to pay that £68 but as I had not responded it was now a court claim that I must admit guilt for or defend. My post is held for weeks at a time from Royal Mail ( keepsafe) due to me receiving hospital tretament at weeks at a time that said I did not receive any previous letters from DVLA. I am happy to defend this and go to court but wondering what CAG members think? In summary I paid an initial amount of £68 and then a DD of £31 , tax cancelled  I set up a new DD at £31 a month all in the month of Feb 2024, I claimed the £68 back from my bank. DD has been coming out each month without issue and I have paperwork to show the breakdown for both DD setup's plus bank statements showing the payments coming out . The second DD set up has extended payments up to Feb/Mar 2025. DVLA claiming the £68 was ilegally claimed back despite the fact they cancelled the original DD for reasons unknown. Is this defendable ? I will post up documents including the original DD conformations 
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Tax Credits - what an idiot I've been


Dafty21
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I'm not looking for sympathy here and I know I've been a complete idiot.

 

I owe tax credits roughly £2500.

 

I haven't updated my income since 2003-4 due to sheer laziness and neglect on my part.

 

Going on what I earn now, and what I have earned the past 4-5 years I am not entitled to any tax credits but am still receiving the minimum amount.

 

I want to come clean and tell them.

 

Can anyone tell me how to go about this?

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You can either phone them and come clean on 0845 300 3900, or write to them. Either way, it will be referred to the investigations department - who will contact you about it, likely in writing. You will have to repay the full amount that you were not entitled to, and a penalty on top. For the amount you mention, it's likely that the case will be dealt with by civil investigations rather than criminal investigations.

 

They will get in touch with you to clarify some information. This is known as giving you the opportunity to give them "full disclosure". If you give them full disclosure, it can reduce the amount of the penalty by up to 50%. If you don't give full disclosure, they can discontinue the civil recovery and refer it to criminal investigations.

 

I've posted a lot more information about tax credit fraud and the investigation teams here as well as posts by other members which you may find helpful.

 

Erika.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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I have only ever received 8 payments of £545 / year from tax credits and I reckon the first three payments I was fully entitled to and maybe part of the fourth.

 

I suppose I will have to bite the bullet and contact them rather than them contacting me which would probably happen sooner or later.

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Thanks for the prompt reply - I'm terrified I will be taken to court for this - I would lose everything. I am ashamed of what I have done.

 

Highly unlikely for the amount you mention, particularly if you willingly admit to it without waiting for them to find out, and provide full disclosure.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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Thanks for your concern - I can't believe I didn't tell them earlier - as you can see by the mount involved I certainly didn't do it for the cash!

I've just been lazy and irresponsible though I guess Tax Credits will look on it as fraud which is understandable.

I think I'll need to write it all down as trying to explain it all on the phone would be a nightmare.

 

Is there anyone else out there in a similar position?

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  • 3 months later...

Just an update to let you all know I contacted HMRC and I have to pay the cash back with a small fine.

 

I would advise anyone who has been overpaid to contact them as soon as possible and dont wait for them to contact you.

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Thank you for the update, Dafty21, very good of you to let us know the outcome.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

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