Jump to content



  • Tweets

  • Posts

    • Fig. 5: Account Status Codes for Current Accounts Explained 0 Your account is in credit; your account is not overdrawn; you are managing your account within the terms of your agreement. 1 Agreed repayments are one to two months behind; your overdraft balance has been greater than your overdraft limit for one to two months; cheques, direct debits and standing orders may have been bounced to keep the account in order. 2 Agreed repayments are two to three months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a second month to keep the account in order. 3 Agreed repayments are three or more months behind; your overdraft balance has been greater than your overdraft limit for two to three months; cheques, direct debits and standing orders may have been bounced for a third month to keep the account in order. 4-6 Agreed repayments are more than three months behind but you have agreed new repayments with the lender to bring the account in order. 8 Your overdraft balance has been greater than your overdraft limit for more than three months and you have not agreed new repayments to bring the account in order. The lender has decided that you have broken the terms of your agreement and has told you that your account is now in‘default’; the lender has closed your account. U Your account has just been opened; your account is more than three months old, has a zero balance and has not been used in the last month.
    • Para 4, ICO technical  guidance on the filing  of defaults at CRAs   4 It is an accepted industry standard to record only serious ‘defaults’ with credit reference agencies. The term ‘default’ on credit reference files is used to refer to the situation when the relationship between the lender and borrower has broken down. A record showing a series of payments as six months in arrears when this does not reflect the real payment history should not be used as an equivalent of a default. Where a code is used to describe a default or variation in payment, it should always be accompanied by an explanation in plain and intelligible terms which informs the reader of its meaning. 
    • I read this morning that ‘a cabinet minister’ has complained that over 70s are being contacted before all over 80s have been vaccinated.  It’s beyond all sense to me that a vaccination programme should be slowed or halted for any reason except safety.  I accept there’s a pecking order and we’d like to adhere to some notion of fairness where possible but this is a pure numbers game surely.
    • Even if a county court case is issued against you and you loose if you pay within 28 days it dont go on your credit file and also its cheaper to go to court becasue the £60 is never allowed so it would be £200 if you loose £230 if you dont go to court.
    • The government is being scrutinised over trade deals with countries with poor human rights records? View the full article
  • Our picks

    • 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

Tax credit fraud- compliance interview


Recommended Posts

 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. 
Link to post
Share on other sites
  • Replies 92
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

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

 

 

 

Link to post
Share on other sites
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

  • Like 1

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

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

 

 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

Link to post
Share on other sites

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

 

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

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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? 
Link to post
Share on other sites

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

Link to post
Share on other sites

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. 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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

 

 

 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...