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    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
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Housing Benefit Overpayment - appealling but need advice


Laura877126
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Good Evening all,

 

 

I am new to this forum but wish I had found it years ago! Some fantastic advice on here... I will explain my situation and if anyone can offer any advice or help it would be much appreciated... Sorry its complex!

 

 

I am an NHS student and receive a bursary while I am training. My husband and I started a business in April 2012 after he was made redundant about 6 months earlier and found it impossible to get any work.

We have children whom we pay for childcare for. We are in receipt of HB CTB CTC and WTC.

 

 

After the first year of business we just about broke even (£600 profit) before any salary could be taken for either of us. At a meeting with our accountant before she prepared our books she advised that one of us account a notional salary from the business. It was decided that £5200 would be accounted through the books for my husband. We were to receive nothing in cash as the company simply had no cash. This was basically to use some tax allowance for that financial year and the money would be drawn in a future year where the company was able to pay something but against the tax allowance for 2012/13. This appealed to both of us as we are hoping to get a mortgage after I qualify and it would mean that the books wouldn't be accounting one larger sum in a single year - instead it would be split over the books for two years.

 

 

We decided that it seemed sensible but I said that I would have to check with HB, my bursary, tax creds etc first... as we wouldn't actually be getting any money from the business we could not afford for it to affect any bursary or benefit as we wouldn't be able to meet our outgoings.

 

 

I phoned all relevant places and was advised by all that if we were receiving nothing in cash then it wouldn't affect anything. tax credits were the only place that advised that it would be accounted but said as it was below £6000 it wouldn't affect the amounts we received.

 

 

Now fast forward to October 2013...

 

 

I was asked to provide the profit and loss for the company 2012/13 which I did and they responded saying two things...

 

 

That the profit and loss showed that I wasn't a director of the company - I am and have provided proof of this, only one director has to be named on the profit and loss

 

 

That my husband received a salary of £5200

 

 

I disputed this and yet again told them that it was notional and that we did not receive any cash as the company was only £600 in profit.

 

 

They then asked me for all tax credit award notices since 2012 - I have these and am taking them to be scanned on Monday but they show the notional salary of 5200.

 

 

I am unsure of what they are trying to establish but have a horrible nagging feeling that the notional salary should have been used in calculations (simply because it is for tax credits). I know I have definitely discussed it with people in the processing centre but as it was brushed off as unimportant have never followed it up.

 

 

Anyone any stance on this... as they are dating back to April 2012 they are wanting £7000 back????

 

 

Do HB record their calls as I feel this is probably the only way I can prove that I have discussed this.

 

 

Laura

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