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    • Thank you Slick132. I don't have in writing how long the actual works themselves would take but believe they said it was two weeks.   I spoke with CAB earlier today and they've said I can cancel this order as the company are already in breach of the terms, plus catching them out re the manufacturer's and the buildings regs she said to put in writing that I was cancelling and mention breach of consumer protection, unfair trading regulations and the fact that they are wilfully misleading me.   She said the credit card company will handle the refund as I hoped. I don't want them working for me in any way shape or form now.
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    • just remember a DCA is NOT A BAILIFF and have ZERO   legal powers on any debt no matter what it's type.
    • Hi.   You've posted in the self-employment forum although as I understand it you can only be made redundant as an employee.   I've moved your thread to the Employment forum, people should be along to advise later.   HB
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Tax credit fraud- compliance interview


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 I’m in a right state. 

 
I live with my partner and 3 kids.
The older two are from my previous abusive marriage. 
 
I have claimed as a single parent.
My defence is that I left an abusive marriage in tens of thousands of debt and have borderline personality disorder and can not be safe with money.
The tax credits I was getting was for my debt and my older two children.
I have a spending addicted and I can’t be trusted to pay bills etc so absolutely everything is in my partners name.
The house is his. 
 
He has no idea.
He gives me an “allowance” once a month and he thinks I live on that.
He will leave me if he finds out,
Ive already had bailiffs to the house.
My mental health has been awful the last few years and my psychiatrist is fully aware of my spending problem. 
 
I stopped claiming tax credits last month as I started a part time job.
I earn £300 a month. 
 
I had a letter today saying that they have linked my partner to his house.
They want a telephone interview next week but also all bills etc that are in my name.
Nothing is. Literally nothing apart from my bank account. 
 
I’m so scared.
The letter has asked for details from March 2019 - July 2019.
Why only these dates? !!!!!!
 
what do I say. If I admit everything surely they will look further back?
I honestly feel like this is the cherry on the top and I’m not sure can survive much longer.
I have so many debt collectors after me.
Partner refuses to help as it’s technically ex’s debts. 
 
I’m so nervous about the interview.
I don’t want to go to prison.
I don’t even want to go court.
I’m so scared. 
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I've replied now but please bear in mind that we're all volunteers here so people get here when they can. Also, weekends are quieter here but we do what we can.   HB

Sorry, thank you!!  

A solicitor would be the last person you want for this. It's not an interview under caution, the worst that will happen is that they will take around 8% of your future award, going forward. That's it!

Hello and welcome to CAG.

 

I know this all sounds scary but we haven't had anyone from here go to prison. Everyone has reached an agreement with HMRC to have what they owe deducted from future credits.

 

There was a lady earlier this week in a very similar position to you and she resolved her problem. Have a read of this thread please.

 

 

Best, HB

 

Illegitimi non carborundum

 

 

 

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1 minute ago, Waffledog20 said:

Anyone?

 

I've replied now but please bear in mind that we're all volunteers here so people get here when they can. Also, weekends are quieter here but we do what we can.

 

HB

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Illegitimi non carborundum

 

 

 

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They don't send people to prison due to forgetting to report change in circumstances.

 

You just need to provide the information they require and they will recalculate tax credit award, sending you details of how much is owed .  Your claim may be closed and if so you can claim Universal Credit with your partner.

 

Use a benefits calculator to see how much Universal Credit you and your partner could be due.

https://www.gov.uk/benefits-calculators

 

 

 

 

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Is that when records might show you had become a couple living at same address ?

 

If so, perhaps they will look at the monthly average earnings for the period that they asked and use the average to recalculate awards up to the current period.

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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also let us help you with your 'debts' please.

 

please start a new thread about them in our debt self help forum. and list them.

it might well be some can be WIPED because of your situation.

 

dx

 

 

 

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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do need someone to help with regards to money. I can’t be trusted with it. My partner trusted me with his credit card for emergencies and I maxed it out behind his back and he now has to pay it back. The allowance he gives me he thinks I only have and that I live on that. He has no idea about my debts as I hide the letters, eVen when a bailiff turned up and his dad had to pay it. 

I’m so scared. I actual can’t cope, I’m such a drain on my family. 
 
Do I ring them on Monday and just admit everything? Or do I wait for the interview? do I just be honest and say this is the date I moved in, all bills etc are in his name. Then what happens? They send me court? 
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Just take part in the interview and answer questions, providing the information requested. No point in phoning, as they will tell you to wait for the interview.

 

Might be worth speaking to your GP, if you feel that your spending issues may be down to long term psychological aspects which may be resolved through talking therapies.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Thank you, 

 

Iv just worked out for the first 2 years partner was earning £31k Before tax. Would we hAve been entitled to something? If so will it be less owed than I originally thought? Iv worked it

out that every penny Iv had will be paid back, so roughly £25k. 

I can’t provide the requested infomation  like bills/council tax bill etc as it’s all in his name. 

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Yes you can provide the information. Council Tax bill is in name of Mr xxxxxx

 

It is simply the case of answering questions and providing the information as it is.

 

It is anxiety that is making your brain think, I can't provide this or that. Just wait to the interview and you won't have any problem. 

 

Following the interview, Tax Credits staff will work out overpayment using the information provided and issue a letter. 

 

 

 

 

 

 

 

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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That would be up to them.  You have to just provide the information requested and Tax Credits will follow their normal processes.

 

Even if they did eventually calculate an amount going back to 2016, you can only pay an amount that is affordable each month.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Others who are more aware of Tax Credit compliance interviews, where someone has failed to report a change of circumstances, advise people to contact Tax Credits, before the interview to make a late report of the change in circumstances.  

 

Apparently this  is seen in a favourable light  as it is volunteering the information, rather than waiting for the interview, where they are asking for it.

 

Up to you really. 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Good for you. :)  The last lady whose thread I linked spoke to them last Monday from memory and felt a lot better afterwards. I hope it's the same for you, well done for being brave.

 

Please come back and tell us how it went.

 

HB

Illegitimi non carborundum

 

 

 

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So I’m going to ring tomorrow and just say that I want to confess to not reporting a change of circumstances? 

 
Can someone tell me how you would start the conversation. My anxiety is so high. 
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they will ask you, just be truthful.

 

simply phone up and state you are ringing because of the letter you have just received.

 

dx

 

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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I just want to sort it out,

Why won’t they let me

speak to someone? I’m now even more worried that im going to be prosecuted 

 

They won’t speak to me and told me to wait for my interview 😩😩

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