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| Tax Credits; Been overpaid? | |
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| Topic Started: Sep 27 2006, 04:22 PM (171 Views) | |
| Bakedalasker | Sep 27 2006, 04:22 PM Post #1 |
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Another Government whammy. Been overpaid and getting those letters. Take a look at this site: - http://www.taxcreditoverpayment.pwp.blueyonder.co.uk/1.html Also take a lok at this site and sign the petition: - http://www.taxdiscredit.co.uk/ |
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| jenni | Sep 27 2006, 04:34 PM Post #2 |
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have just read that site. Tax Credits want £11,500 back from me dating back to 2002. I tried to politely tell them b  s but they are having none of it. Have even had my local MP involved and they have fobbed him off with the same rubbish.they tried to be cocky at first giving dates of letters they never thought i'd have to base their arguments on. Unfortunately I have kept every letter from them since I first claimed. They then tried to make out I was not giving them the correct information. Now when I was working I would never get my P60 until May and every year I was told this was fine as long as I gave them the info asap after I received it. Well I did this but then they would try to claim back everything they had paid between April (beginning of the tax year) until June when they had updated their records. then when my partner and I seperated in July last year they tried to make out that we were not entitled to any money from April until July when I made a single claim. They wrote to me yesterday and said that I owed them another £2500 for the period April 6th until May 23rd this year (when I had my second son) even though my new award started on the 1st May and it their office that has done that. I am sick of them trying to make out I have lied and been falsely claiming money. I have never in my life claimed anything I was not entitled too. Now the one thing they can't explain or won't answer is how if they send 10 letters a year on average and never pay the amounts they say they are going to pay on these letters this is my fault? (and yes I have all my bank statements to prove this is true as well) the best thing is that the more people I complain too and the more I argue with them, they cannot claim back the money!!! |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ****************************************** 
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| Bakedalasker | Sep 27 2006, 04:48 PM Post #3 |
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I think the public are going for a general amnesty. So keep fighting, it might happen while still in dispute. Shame we had a General Election last year. Lets hope when Blair goes soon they will call for an election. Two pinks pigs have flown by. One saying blair wont go soon and the other one saying no election for a long time. So when one does happen it will all be forgotten about. :angry: |
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| Buzz | Sep 27 2006, 04:58 PM Post #4 |
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When I remortgaged a couple of years ago, my tax credits were taken as income by the mortgage company. Earlier this year, I noticed my payments had gone down from £115 a week (working tax and child tax) to just £16 . They had not even written to tell me. When I rang up they said they had overpaid and were reclaiming it. I explained that the drop in income was making my mortgage difficult, but they said they had to have the overpayment back. Now they tell me I have cleared the debt but my total payment is only £40 a week. Wish I'd found that Tax credit site before now and that I'd pressured them a bit more to not cause me hardship. Buzz  |
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| jenni | Sep 27 2006, 09:20 PM Post #5 |
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the whole tax credits system is a disgrace  it was meant to help those on low incomes and guarantee everybody a weekly salary of £270 when it was first introduced by Mr Brown. Now, if they are gonna claim back what you were apparently overpaid between April and whenever you get your P60, then surely the easiest thing to do would be to stop payments in April?Also, why is it that I earnt less than I thought my estimated income would be last year but they haven't paid up for an underpayment? (told them I expected to earn £10000 only earnt £6000). Also, why is it that it took them 11 weeks to sort out my new claim when I had the baby but only 2 weeks after they had all the new details to write and say they wanted me to pay them back? these are all questions I have asked of the tax credit office; the tax credit director; my local MP; the adjudicator and even Mr Brown's office but nobody will give me an answer. They still they the overpayments were my fault. Why won't somebody realise this is b t and stop causing all these people such unfounded hardship and pain
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| john | Sep 27 2006, 09:31 PM Post #6 |
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The biggest problem facing the benefits system are the people who are falsely claiming benefits or those that don't really need it. If this system was cleared up then more money would be able to go to those most in need. Some people use the benefits system to maintain a lifestyle whcih they simply cannot afford; like gym membership, satellite tv etc... I believe that anyone claiming benefits shouldn't be allowed these luxuries. If they have these luxuries then they shouldn't be claiming anything. Benefits should only go to those that need it the most. I come from a home that was raised mainly on benefits and I have been fortunate enough to never to have needed to claim anything from the benefits system. I earn more than the national average and have no problem paying into the system that helped raise me. John |
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| jenni | Sep 28 2006, 08:53 AM Post #7 |
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don't get me wrong here john, I have no problem with anybody claiming any benefits they are entitled too. I have had to claim Housing and Council Tax Benefit this year when I lost my job because my partner was working as a lorry driver at the time and the work wasn't very regular (he was on an agency). When he started his new job (he is now a trainee ambulance technician), we paid back the council what they had paid for the housing and council tax because we wanted to stand on our own two feet. he doesn't earn a great deal at the moment but it is enough to pay the rent; council tax; bills; food etc and give us a little left over every month. the reason we claim tax credits, well because the government told us we were entitled to do so. when I was working full time it paid for my eldest son to be in nursery. when I start my midwifery degree next year it will pay for my youngest to be in nursery full time. I know how hard it is to bring up kids and work and the financial problems it brings. My mum and dad had to work all the hours god sent to bring me and my sister up and make ends meet and my partner and i do the same be it with a little help from the tax credits. what makes me really mad (and the government said this not me), is the fact all those illegal immigrants were paid money by making false claims on the tax credits system. Now these are the people that need to be punished, not the ordinary hard working people who have been caught with this silly April until your Annual Declaration is returned rubbish where you are always going to be in debt to them. In theory this system was the best system ever but it has just let so many people down it is disgusting. I worked in retail so some months I was on basic wages, other months when there were sales and things I was putting in a lot of overtime. That wasn't my fault that was what my job entailed but I am now being punished for the job I did. I know people who claim tax credits that have worked that bit harder near Christmas to earn a bit more money to be able to buy presents for their kids and their families and they are now being punished. I also know people that have earnt less than they thought they would but they have not received any payments from the tax office to reflect this and why not, because 2 years ago the tax office can flag up an overpayment and people get so scared they just accept it. These sorts of practices are not on and they need to be stopped now. |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| Buzz | Sep 28 2006, 11:03 AM Post #8 |
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Sorry for going slightly off the subject, but I have also suffered with the CSA. About six years ago, I was working in a modestly paid job, which was paid monthly. One month I got my wage slip and I had only been paid £500. On the wage slip was a payment to the CSA for about £600. When I rang up and queried it at the CSA, I was put through to someone who sounded about 18 who tried to patronise me. I asked why they had not notified me that they had an attachment of earnings. He said they had sent numerous letters to me, which I denied. I asked which address they had sent them to and he told me. It was an address in a place I had never been, let alone lived. They hadnt even put two and two together and realised where I was working was about 150 miles from where I supposedly lived :wacko: What annoyed me most was that at this time, I was giving my ex £250 a month anyway from my wages. I asked the at the CSA to put a stop on the attachment of earnings.He then said, "Why, are you denying you are the father of -------- I replied no I am not denying it. He didnt even listen and said "I can order you to take a compulsory DNA.!! :angry: He was just purposely winding me up. The next month, my wage was docked again for another £600. It caused great hardship, as I had a new family and a big mortgage to pay. I almost lost my home. In the end, I played them at their own game. My employer who was livid at their actions advised me to leave my job for two weeks and then took me back on under a different name. Dodgy I know, but what else could I do? At the time I had a reasonably friendly relationship with my ex. Because of this it even caused that to go bad. The trouble is that when you ring them as I did on hundreds of occasions, they will not listen to you, they talk over you and  every word you say.On a final note, I went to see my MP about it. When I explained, he just looked at me, smirked and said. "Well, what do you want me to do about it? How I didnt kill him I do not know. Anyway, rant over. Sorry if I have hijacked this thread, but needed to get it off my chest. This all happened six years ago and I still wake up in the middle of the night thinking about it. These organistions all in their own way can scar your lives forever. Buzz. PS. I would like to make it clear, I am not one of those dads who try to evade paying for their children, I was always willing to cooperate with them. Unfortunately the CSA always go for the easy targets. The ones that duck and dive get away with it. PHEW!!!!!! :lol: |
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| Bakedalasker | Sep 28 2006, 11:55 AM Post #9 |
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Feel better for that Buzz? Easy target are the words meaning the most here. Our campaign as well as the Tax Credit campaign and and let us not forget those other sites like penalty charges, CAG etc. We all have one thing in common. We are taking on the big boys. As far as the Tax Credit campaign you dont get any bigger than the government. As far as the government are concerned we are the easy targets. Well why we are on our own or act as individuals. Times are changing and the easy targets are fighting back. Sites like this and our Tax credit friends are leading the way. Some big boys have taken noticed, started to listen and are all the better for it. Those that do not!!!!!! we know what has happened dont we to YCC. So my advice to any government person reading, take note of the Tax credit campaign. Look what might happen if you dont. |
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| taxcreditPJ | Sep 28 2006, 11:38 PM Post #10 |
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hi all. thanks Bakedalasker for the mention. to those who posted about Tax Credit problems can i ask you to email me via my website. Jenni, the payments you mention made between april and june are whats called interim payments, and are commonly getting written off when people push it (well writen off easier than the rest of it) especially when you point out to them that they were based on THEIR 2 year old income figures and you didn't apply for them. don't been fobbed of with the 'you took to long to tell us' routine. their is no obligation to inform them of any income changes until the end of the tax year, and you are give up a couple of months grace too. but they are trying to get people to believe it is their fault. the ludicrous system operates (sic) the way it does because it is adminstered by the Tax office, so it actually works like a Tax ie income not finialised until the end of the year, so actually they don't know how much TC you are due until the end of the tax year, 12 months after they have started paying it to you. for some reason they thought this would work!!!! appeal as soon as you are notified of an overpayment and they have to stop 'recovery' until its sorted. those being overpaid now are not expected to repay it if their income changes by less then £25,000 but if it happened in 02/03 or 03/04 then for some reason they don't see fit to apply that policy to us! there are about 2 hundred other causes of the overpayments as well, mainly technical problems and lack of training. please see the website for more info http://www.taxcreditoverpayment.pwp.blueyonder.co.uk and contact me if you want more info or to join our egroup. i'm thinking we need to get groups like ours together. strenght in numbers! cheers PJ |
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| jenni | Sep 29 2006, 08:22 AM Post #11 |
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 pj have joined the site and thanks for your emails already.i believe that the figures for 02/03; 03/04; 04/05 and 05/06 were all that if your income changed by more than £2000 you had to inform them. If it fell under what your estimated income was (what you earnt the year before), then you had to tell them. when I first claimed in October 2002, I was on maternity leave as I had just had my eldest. They sorted it out really quick because I was living on Income Support (had a job but didn't work enough hours to qualify for maternity pay). I was off work until the end of January 2003 and when I returned to work obviously what I thought I might earn by April was significantly less. So I rang the TC helpline and they said was I definite this would be the case. I said well no not 100% until I got my P60 and they said fine tell us the correct figure when you get that. So when that arrived in May 2003 I told them. Also, I had a pay rise in the March so my earnings for the next year would go up. In June 2003 they sent two award notices. One had the old information on (what I'd earnt 2002/2003), the other had the new details. Both had different payment amounts on. For the first few weeks they paid the amounts based on the new figures. Then the payments changed but only by a couple of pounds - sometimes they were less than the award notice said and sometimes they were more but not by much. Then in November they what they called a "new award notice." I didn't understand why because none of my details had changed. This "new" notice was based on the old information (02/03). I rang the TC helpline and told them this, they said they would amend it. No award notice was sent then until February 2004 and the payments reduced so I just believed they had corrected their mistake. Then in February 2004 they sent an award notice with the correct information on but changing the payments again I believed because they hadn't been paying enough in the first place. Then in March I had another pay rise so I rang them. They said was I likely to exceed my previous years salary by more than £2000. I said it didn't look like it because by this point it didn't. But come May and with my P60 because of there being a sale in March and me doing so much overtime I earned £50 more than the £2000 difference. Yes, just £50!!!! Then I told them in June that I was increasing my hours to 20 a week. They then adjusted the figures accordingly. To begin with it went fine although every month my Working Tax paid by my employer seemed to change quite dramatically even though I was earning basically the same amount every month. I didn't think anything of it though. Then they sent an award notice based on the old information yet again so I rang and they said they'd change it. Then in one week in September they sent 4 different award notices. 2 had the right information - 1 had the old information and the other had info on I swear they must have just made up. Anyway, in February 2005 I started working full time and my partner was working 12 hours a week. We wanted to put our son in nursery full time and the tax credits people said that for this to happen my partner had to be working 16 hours a week. So he asked his employer and they said it would help them more if he worked 20 hours a week. So we told the TC helpline and they said fine. They asked for estimated earnings and started to pay. Now, my partner was self-employed, they knew that from the word go so, he wouldn't know exactly what he earnt until January 2006. The TC helpline said this wasn't a problem. In June 2005 they wrote to us to say we had been overpaid for 2002/2003. The amount was almost £400. I said at the time that I didn't think this was right and so sent in an appeal disputing the amount. They wrote back 6 weeks later and said no we definitely owed the amounts. So I paid but only 2 months worth. This was because in October they wrote again and said we owed £3500 for 2003/2004. I knew this was wrong and wasn't having it anymore so stopped paying them and sent yet another appeal which was surprise surprise turned down. Since September 2005 they had been harrassing my partner about his earnings. We told them on several occassions that he would not know his final earnings for 2004 until January 2006 (his accountants words not ours). They said as he was self-employed this was fine. When January 2006 came and his accountant sent all the information about what he had earned and how much tax he had paid we rang the TC helpline. They took all the details and said this was fine. Then in April 2006, they wrote and said we owed them £4000 for 2004/2005 and all of the money we had been paid for 2005/2006. We were fuming!!!! So we rang and asked why and guess what they said "oh its because your partner didn't tell us until January what he had earned." Well I hit the roof and this is when my campaign started. As I've said before they have tried to be clever by quoting all these award notices they think I won't have except not only have I got those but I have got bank statements for the periods as well. Even with all this proof though, they still try to make out I am the one in the wrong and that of course there was no wrong doing on their part. This is absolute nonsense! how is anybody meant to know if they are being paid wrongly if every week or every month their payments are different to what it says they should be on the notices? and if you receive up to 10 letters a year like I tend too, how are you meant to keep track of what is going on? as I have said before the whole system is a disgrace and something needs to be done now! |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| Stupot | Sep 29 2006, 08:09 PM Post #12 |
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Its a great forum they have and looks like you guys are doing a fab job too. Keep up the top work guys  POWER TO THE PEOPLE smile |
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7:34 PM Nov 8
