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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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23sopwith

working tax credit

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we are in receipt of wtc however our income has gone down by over £2500 so duely informed hmrc

spoke to them yesterday they said as our income had dropped by 2.5k they used that as a "disregard"therefore we weren't entitiled to any extra wtc even though we are still doing the same hours

is this correct

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yes and no, depends on total income and how long the drop is likely to continue for. To save money the tax credits office will assume a position that suits them best and needless to say that is the opposite of what is best for you. You may need to appeal and get them to start again form the beginning if this dates back to april 5th (start of tax year) and is likely to continue until the end of the tax year.

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There is nothing to appeal against. This is correct. There is an income disregard for an increase or decrease in household income. If your income last year was £10,000 and this year it is £7,500 there is no change in entitlement this year. If the same pay continues into next year, then the claim for next year is based on £7,500.

 

If your income went down to £7,000, only the £500 difference would be taken into account.

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so why do they they ask you to let them know if your income increases or decreses by £2.5k and that you may get more tax credit.

so according to Nic what hmrc have said is correct so whats the point of informing them of the fall in earnings you may as well wait until renewal date for the following year

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I think the award notice says "tell us if your income goes up/down by more than £2500. Personally when on tax credits, I report any increase over £2500 as soon as I am aware but leave decreases to the end - telling them by the end of March will ensure increased payments from April. Apart from anything else I'd be worried the income would go back up again and cause overpayments.

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