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Hi

 

Just a question concerning my parents really, rather than me for a change!

 

They have an overpayment of tax credits of around £800, which hmrc has been badgering them for for ages. My mum recalls that they once had a letter saying hmrc had made a mistake, but she can't find the letter now, so she's been ignoring the letters which have followed demanding payment. I've just found out about this and pointed out to her that something's changed with the law and they can take it from your wages now i believe if it's a tax credits debt?

 

Anyway, now she has 'Equita' sending her letters demanding she rings them to make payment or discuss a payment plan. This is the second letter received today from this equita company, so I've told her she can't ignore this anymore and must call tomorrow, but who does she call? HMRC or Equita?

 

Will Equita now start adding interest to this debt? She's really resenting having to pay it back as she assures me hmrc did say this was their mistake a long time ago, then began pursuing her again for it!

 

What's the best thing for her to do? I don't want her to damage her credit rating (it's always been 100% squeaky clean) and I don't want her to start getting charges, but obviously £800 is a lot of money to her and she can't afford to get rid of it just like that :(

 

Thanks in advance for any advice!

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Forgot to say, they now don't get any tax credits, so taking it from future payments is not an option

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I would advise that you do not ring Equita !!!!!!

 

You can contact HMRC and ask them for a breakdown of all payments and request this in writing ... once seen and you have gone over it you will be in a better position to see where the over payment has occurred. Until you get this information do not do anything else and please do not ring Equita !!!!!!

 

I had an over payment of child tax credit and sorted it out with HMRC ... if these payments are correct you can then ring the HMRC payments helpline and arrange to pay in instalments .

 

Others will advise also .

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If equita are acting as a dca then ignore them. Also how long ago are we talking regarding when this overpayment occured.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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