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Concentrix tax credits investigation: complicated situation. Help requested.

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Hello, I'm new here and looking for help if possible.


I was claiming tax credits as part of a couple with my husband until June 2015 when he left the family home.

We had decided to separate with a view to divorcing and had put the house on the market,



as soon as he actually moved out I rang tax credits to inform them.

I should point out here that my husband DID NOT WORK and had not been working at any point during the claim period

(one of the reasons for our separation).



I was the sole earner and continued to be when he left.

He never paid me any maintenance as he had no income.


Our previous mortgage was in joint names but I bought a new home for myself and our children in my name

and my husband signed over the equity from the previous property during the sale

as I had always paid the mortgage during our marriage anyway.

I moved house in August 2015, all bills were in my name etc.


In November 2015 I had a nervous breakdown and went on long term sick leave from work.

I was struggling to cope with the children alone.



My mum moved in to help me but was working full time.

Eventually in January 2016 my husband came to stay for a fortnight to help

and finally secured a job for himself as I needed to leave work indefinitely due to my health.



I therefore agreed that he should move back in to the family home

and I asked him to ring tax credits to inform them.



Tax credits said we would need to end the single claim and begin a joint claim which we did

(the same week he moved back in). The joint claim has been active since.


I have now received a letter from concentrix stating they think another adult lives with me

and I needed to send a long list of documents, which confused me.



I called up to speak to someone who was disinterested,

didn't even take my personal details or look at my individual case

and told me that it would only concern the period of the single claim (June 2015- January 2016)

so I should send documents for this period.


We had sold the house when my husband left in June and I had bought a new home on my own,

therefore we did not change any of the bills at that time (June-August).



The mortgage was joint (and could not be changed),

the electricity and gas were in his name.



I did call them to ask if I could start a new account in my name

and was told that I couldn't as there were big arrears on his account (which I hadn't known about).



I just left it as the house move was imminent and I did not want to take on that debt as my own!

I cannot provide a bill as they were in his name and he no longer has them (although he could ask for copies).

The water bill was in joint names until I moved too.


As soon as I moved here in August everything was in my name only

but as my husband had no fixed address he had given the electricity/gas company this address to send correspondence about the money still owed.



The account was no longer live,

it was just arrears,

but I wonder if this triggered their 'investigation.'



Either that or the fact he earned some money between Feb and April this year

when he hadn't been earning previously (but we were on a joint claim then anyway).


I can provide bank statements (although i have no idea how these prove anything),

as well as utilities bills and council tax bill from this house from August onwards etc

and they should clearly be able to see that my husband did not change his bank account

or driving license address or regsister on the electoral roll until he moved back in.


I suppose what I'm wondering is:


Do I send a covering letter explaining all of this and hope for the best?


If I leave out any of the evidence but explain why, will they refuse to look at my case?


If they decide that they are not happy with the evidence for any period, what happens next?


Can they stop the current joint claim based on this investigation as it is a separate claim

and we are in financial hardship on a low income?


If they decide that in their view,

the claim should still have been joint even when we lived apart because we were married

and eventually reconciled, would they demand back ALL the money they paid me between june and January

or would it be the difference between what they would have paid for a joint or single claim?

(which would be nothing anyway!)


What is frustrating is that until February 2016,

my husband did not have any income so I did not financially benefit in any way from the single claim

as the single persons element is the same as the couples element anyway.



It would make no sense for me to have fraudulently claimed as a single person

because there was no benefit to me.



I've read horror stories about this company.

If they tried to claim back the entire amount I was paid simply based on their own 'assumption',

I wouldn't be able to backdate the joint claim so could they really insist I pay back 8 months of money

that they know I would still have been entitled to either way?


I am worried sick,

I am still being treated for depression and anxiety and receiving counselling

and I feel guilty when I've done nothing wrong,

and terrified of sending them my bank statements so they can analyse everything I ever spent.



Some friends have told me to refuse to send bank statements as they are personal

but I'm worried that if I don't, they will punish me.



There is nothing on my bank statements relating to my husband, no payments between us or anything else,

but I just feel horrible about them rifling through my private financial affairs that way

and worried because my mum has put money into my account for me to help me towards the bills,

is she allowed to help me that way?

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don't worry too much about it



they send out 1000's of these letters



I would read a good few threads here on them.




start with this one.

please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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