Good morning, I have found this site via various google searches and really hope someone can help.   I have been claiming ctc & wtc as a single person but have a partner living with me. Stupid I know. It was always a case of I will let them know but never have.   I have become totally reliant on the money due to large debt issues, payday loans, doorstep loans etc. No excuse, Im just rubbish with money and an idiot.   Yesterday I received a letter from HMRC compliance sa