Tax credits investigating living together - please help

[folle]

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 overdraft, 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

[folle]

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 overdraft, 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

[folle]

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

[honeybee13]

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 CAG.

 

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 thread of your own and flag it for the site team's attention.

 

My best, HB

[folle]

thanks so much i just dont know what todo.

[honeybee13]

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

[Yam950]

Do they have any evidence he is living with you?

[folle]

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.

[folle]

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

[folle]

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 .

[honeybee13]

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

 

HB

[queensclose]

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 mortgage is no so bad as its hard to remove one name from a mortgage 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 overdraft 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

[folle]

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

[folle]

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

[folle]

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

[queensclose]

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

[folle]

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

[folle]

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

[ErikaPNP]

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, mortgage 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

[folle]

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 overdraft 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

[folle]

thanks for that , all he has got is letters with where he has previously lived and where he is now, i have talked to my gp, how long after sending everything in will i know what is happening , i am thinking about handing my notice in at work

 

 

folle

[queensclose]

as above. tax credits rarely prosecute and if i'm right the ones that are prosecuted are the ones were they have damming evidence and they still refuse to admit guilt. speak to the CAB they are best to help and right now they are the best to help

[folle]

you say they rarely prosecute , but the may decide to go back in years then would i go prison the letter i got only said 2010 to 2011 and 2011 to 2012 and have theses cases involved alot of money , he lives in london and like i said only got letters from where he lives, reading these posts it dont look good for me. if i phone them up and say i will pay the money back but my x does not live with me what would they do.

folle

[folle]

what i meant to say does the cases u have seen invole alot of money, the 2 years they are asking for is about 9 grand but if they go further could be more, the one that you saw prosecuted was it alot of money.

folle

[folle]

they must have something on me , so i will be the one that will get prosecuted, my chances not good, how long do these procedures take, once they receive my stuff , could the cab act on my behalf ,

folle