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HMRC Tax credits compliance letter partner


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Hi please please can someone help.

I am at the moment feeling like I’m having a heart attack with actual panick attacks.

 

I am in the wrong from what I can tell and I have read.

 

Let me point out that 25 years ago I pleaded guilty to false representation for income support when I opened a business and didn’t go down the employments support start up route (dont know the correct name) but two dates and I pleaded guilty.

 

Since then I have always stuck to the rules!!

 

I claimed previously with my useless ex husband and then removed him when we separated.

I then had my business and claimed single everything was fine!

I took in a lodger he claimed housing benefits that was above board then he moved in above my business again above board.

We did see each other on and off!

 

I had to go bankrupt In 201 1due to ex and could not get bank account so the lodger/tenant got me a business account (registered at my address) as my business and he opened a savings account for me to use as I wasn’t allowed one my TC and CTC went into it.

Then we started seeing each other and opened a joint account in 2014 (he was still in my flat) but account registered at my home address.

Mainly as he had lodged there and had not changed post and also as I was using it.

 

We split up again in 2015 and he was still at my flat till June (have bills and council tax letters confirming he was there till then) when I got rid of the flat and business. He then moved into my caravan and I used the rent to help me through university to change my life.

 

In 2016 we started a proper go at things and I changed my name by deed poll to his before qualifying from my degree as didn’t want it in ex name.

 

In jan 17 I declared in writing to TC that he had moved in

provided his last 3 months wage slips and his NI and dob and he signed as well.

 

I didn’t think anything more of it as money went down the same as it went down when I notified them of my first full time employment after uni.

It further went down when I changed jobs again everytime I wrote to them.

I wrote to them 31 May 18’and told them son had left full time education expecting it to stop.

 

Last week I got a compliance letter asking if I knew my partner which of course I do.

I then started to panic.

 

I am terrible with the renewal notices I just don’t bother opening them (stupid I know)

I just check what’s gone into my account to see if changes have been made.

They have asked for information for 3 months 6/4/17 to 6/7/17 which I have and shows him with me as you would expect.

 

I then rang them as I noticed money for ct was still being paid.

I mentioned the letter they said they had not received it yet had seen the online notification (child benefit) I did on the day I got the compliance letter from them.

Even so not actioned that either as I had been paid.

 

I asked about all the other letters I sent and she said hadn’t received any!!!

Now I know what it sounds like but I sent them!

 

I don’t know what to do.

I am scared they will accuse me of fraud when that has never been my intentions.

 

I don’t know what to do.

Do I send them the copy letter which I have about jan 17

- we finally decided to move in properly as I had my first full time job after uni and had completed my 3 months probation period.

 

I am frightened they will send me to prison.

I am happy to pay any backdated money.

 

I haven’t signed this years declaration as when I finally opened it I saw they did have my income correct which again I had notified them of but they didn’t have partner listed.

 

What do I do.

I want to be honest but frightened if I send the copy letter they will go back further and not believe the complicated on off relationship and friendship we have had.

 

Will they only look at the 3 months they have asked for.

If I am prosecuted I will lose my job and will never be able to work in the field.

 

I can’t talk to my boss or my family.

it’s taken me years to turn my life around.

 

Sorry for long post but I’m at the end of my tether.

 

Please help I’m in such a bad way

Edited by dx100uk
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firstly

send them a free sar

make them prove their accusations

 

https://www.gov.uk/guidance/hmrc-subject-access-request

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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When I said I rang

I rang normal line not compliance number

I’m too scared to ring them.

 

The woman was rude and blunt as you would expect but I did say that the other matter I would deal direct with compliance.

 

Additionally do I just say the declaration is wrong?

My problem with that is I don’t want to lie when he moved in.

Please someone help.

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as post 2 gather the info first

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Thank you so much for replying.

Sorry what will this do?

 

They haven’t made an accusation they have just asked who he is.

And all the bank etc details which are joint except the mortgage some bills.

 

I have a letter from student finance in 17 where I tried to change my name

- they wanted the deed poll which I have but I do have the letter to prove I was notifying people.

 

I don’t want to annoy them and I only have till 13tj July

- I do have him living here and we are a couple although I did tell them.

 

The letter is the further information letter asking for bank statements bills car ins mortgage rent divorce stuff etc.

 

Also know the compliance check probably started as he set up a credit agency as we are selling my house to buy a new one together.

 

We know that if they do a complete check they will find everything they need to support a full

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he set up a credit agency

?????

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

if either of you have defaults on your credit file you wont get a mortgage.

 

an sar via that link is a legal right

it will legally force them to produce the evidence they have [and do not have] to further their claim.

 

it could be invaluable upon the outcome here

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have been checking my credit since the BR and got a mortgage approved in principle he was just checking his before making an application with me.

 

Surely regardless I have to produce the evidence which I can but it will support what they are saying and I’m not denying it just that they don’t seem to have registered it.

 

Do you think that there is more to it than just the information request.

 

The letter has HRR 18 on it as a reference?

 

Plus like I said I have not made the declaration for the short period they are asking for.

 

Also will it not take longer to get this info than the deadline of 13 July?

 

Thank you so much for responding I am sick with worry Dr has put me in diazepam to calm me down.

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who is setting 'a 13th july' deadline?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

The compliance information letter states I must produce bank statements for the period 6/4/17-6/7/17 as well as bills insurance letters mortgage/rent etc by 13 July or will stop claim which tbh was why I wrote again on 31 May to say son left education and claim is stopped.

 

The annual Declaration (unsigned) covers the period they are asking for so not signed that either.

But the information they are requesting I send by 13tj July.

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who has sent this compliance letter?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HMRC tax credit office compliance C.

 

I am so frightened I have woken up this morning crying again thinking I’m not going to see my daughter graduate next year and be in prison. This will kill my elderly parents.

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As it is compliance you can calm down as they will not be looking at prosecuting you.

 

They want the information to ensure that claim is correct and make any necessary amendments to when it should have been a joint or single claim.

 

Any information you at this stage cannot be used criminally unless you have been cautioned to that effect, it is purely a fact finding operation.

 

You and your partner appear to have been data matched via credit reference agencies as living as a couple which has been flagged to the HMRC who is looking into it.

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Thank you for your kind reply.

I was under the impression that all evidence can be gathered and used in court hence they produce the declarations as evidence.

 

If this is so what do I do

- the information indeed confirms what they are asking and I have a letter I sent (all be it they say they never received it)

the letter states 1 jan 17 which was before the period they are asking for now.

 

I’m so scared I don’t know what to do.

I’m not sleeping and can’t function in my job through fear.

 

I know I’m thinking unhealthy thoughts but I don’t see what I am meant to do.

I’m so so scared I have not done anything intentionally wrong other than I don’t read the declarations I admit and I just say everything is the same on the phone.

 

That’s just laziness and my own fault. But I really don’t know how to respond to the request.

 

Please help.

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stop panicking

nothing to be scared or worried about

 

read post 14 carefully...……….

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Any information you at this stage cannot be used criminally unless you have been cautioned to that effect, it is purely a fact finding operation.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

The rules of evidence don’t say that’s the case....that’s why I’m worried??

 

Any information you give from your initial claim can be used ito build a case for evidence surely in the respect that is how they prove you have fraudulently declared.

 

What about SAR?

And any advice how I declare..

.dont just day yes to the period they are asking about or disclose the letter that I sent saying from the new year?

 

As the new year shows it went into the previous year and the declaration which incidentally I don’t know how I did it.

 

I also don’t know how to make the declaration they want as well this year given it is wrong

 

I want to get it out of the way.

 

And I’m trying to work out if I need to quit my job now before my boss finds out.

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you tell the truth

you send that free sar.

 

you do NOT need to quit work.

 

it cannot be used as evidence.

 

its their mistake

 

stop panicking...…..

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Sorry to be a pain.

..one minute I’m calm and want to ring the next I can’t breath I’m shaking and scared...

 

Ok so won’t the SAR look like I’m guilty and pee them off?

 

They say they didn’t receive the letter?

And I didn’t check the letters I just looked at the money had gone down.

Won’t they ask for dates when he moved in?

 

Won’t they think because of my past it was intentional even though it was 25 years ago?

 

Sorry I’m just really scared .

 

Thank you for answering.

 

I’m thinking of ringing normal (non compliance line) to check they have cancelled the claim after son left education as they hadn’t last week and they said they didn’t have my letter but did admit they had confirmation I had stopped child benefit but they still put money in my bank

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Sorry to be a pain.

..one minute I’m calm and want to ring the next I can’t breath I’m shaking and scared...

 

Ok so won’t the SAR look like I’m guilty and pee them off? no its a legal right

 

They say they didn’t receive the letter?

And I didn’t check the letters I just looked at the money had gone down.

Won’t they ask for dates when he moved in? poss but you check their info first via the sar!!

Won’t they think because of my past it was intentional even though it was 25 years ago? - nope they cant they can think what they like but with holding written proof...

Sorry I’m just really scared . nothing to be scared off totally....

 

Thank you for answering.

 

I’m thinking of ringing normal (non compliance line) to check they have cancelled the claim after son left education as they hadn’t last week and they said they didn’t have my letter but did admit they had confirmation I had stopped child benefit but they still put money in my bank

 

 

no await the sar details

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No a SAR or DSAR as I think they call them now will not make you look guilty or pee them off,

it's your legal right under the freedom of information act and the newer General Data Protection Regulations.

 

The compliance letters they send are standard letters used to scare people.

 

I also missed off provide in my post, so it should say "Any information you provide at this stage cannot be used criminally unless you have been cautioned to that effect, it is purely a fact finding operation."

 

If they were looking at you criminally so to speak an Investigations Officer from the Counter Fraud and Compliance Directorate (previously Fraud and Error Service) of the DWP would be investigating you and you would have been invited to attend an interview under caution as these investigations fall under the Single Fraud Investigation Service.

 

 

They are not allowed to get you to incriminate yourself i.e. request information regarding the relationship and then use it as evidence in a court of law, unless they have cautioned you first, regardless of any past issues.

 

 

 

The compliance team just want to put the claim right and create any over-payment if applicable to the claim.

Edited by dx100uk
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Can I ask and I don’t mean to sound rude

- what is your experience and how do you know?

 

. I have spent 6 years studying and I was so excited to get my job everything tells me to be honest to get the best result of no custodial

 

. I thought and have been trained to believe that it all can be used and brought as evident although I say I am still in training

 

. I’m probably looking too deep or so my partner says but I’m thinking POCA (lose my home) and thinking they will think I have lied

 

. I’m frightened to do the SAR incase they think I’m trying to be defensive

. And I’m frightened to say jan 17 even though I told them but they have told me they haven’t got that info

- I don’t know how to respond (want to call not write)

- I know it’s in my favour if they pay me again on Thursday as I have written 31/5 (they say haven’t got it ) and I have done it online with child benefit (they have said they have this one funny enough) in regards to my son leaving school and my claim should now always be over

- so if they pay me again they are demonstrating they are not actioning data.

 

Please help I had to fight so hard to get to where I am and I am so scared

Edited by dx100uk
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