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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Incorrectly Claiming Tax Credits

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I believe I've been incorrectly claiming Tax Credits for the past several years.

I'm in the process of 'officially' moving in with my partner (we're getting married in a few weeks), changing my electoral role, bank details etc from my parents house.


I looked at how I notify HMRC of my change in status (I'm self employed) and actually for the first time read the definition of 'living together as married'

- which was a bit of a shock. Through total ignorance I should have been making a joint claim, not a single claim.


I have stayed at my partners property varying amounts/increasingly over the last 2 or 3 years depending on our work, from not at all to just weekends to full weeks. She owns the property outright and I pay her no rent, but I have helped with over the last 2 years, bills, food etc.


After reading the definition and other information I'm sure my claim is incorrect

- I actually even have my single claim registered to her address (it's the only thing I have registered there funnily enough) so I'm amazed they haven't picked up on it after reading other posts on this forum - I was totally clueless I was in the wrong.


HMRC have not contacted me about this, and have no idea my claim is incorrect, but I'd like to resolve the issue and pay back any overpayments which I shouldn't have received, I imagine it will be about 7-8k max. off the top of my head depending on what they would class as crossing over from single to joint, I don't really have a definitive date of when it should have been a joint claim as their definition is a bit vague.


What should my first course of action be?



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Hi mdj31445 and Welcome to CAG


Apologies that you have not had a response yet.


You can be fined up to £3000....so I would suggest you contact them without haste and get the ball rolling.







We could do with some help from you.



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