FabSwingers.com forum: Tax credit debt. Advice needed :)

By (user no longer on site) OP
over a year ago

So when I was kicked outta the house on the 31st of July 2015 apparently tax credits made a payment into our joint account. I had no access to this money nor did I benefit from it. Once I moved into my flat I phoned tax credits to get my name removed from the claim. Approx 6 months ago they hit me with a bill of 600 saying I had to pay it. I disputed this and gave evidence of me attending the job centre for emergency housing, money and food. Tax credits have said tuff and I still have to pay half cos my name was on the claim. Tax credits isn't payed in arreas so I by rites shouldn't have to pay a penny it's my exs debt. Tax credits have escalated it to a debt company. So I'm getting hassle off my mum to sort it out because she watches don't pay we take it away and she thinks if I fight it the bailiffs will come n I'll lose my flat.

Do I pay it even thought I had no access to the money and didn't benefit from it just to keep the peace n clear my name. Or do I fight it. I can't afford to pay it but nor can I afford to lose my flat for a debt that isn't mine. Xxx

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By (user no longer on site)
over a year ago

I think they may say that unless you can prove you didn't have access to it and use it, it'll be a tough one (as it was a joint account and you shoukd in theory havenaccess to it).

Tax Credits/Inland Revenue are tough gits so i'd get to Citizens Advice and get some help from them. They might write to them and collate evidence for you.

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By (user no longer on site) OP
over a year ago

I have discussed this matter with my ex and he has said he will pay it but my ex is shit with money and doesn't have very good priorities. I'm concerned he will default on the payments and then it will fall to me.

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By *et-shortyMan
over a year ago

Manchester

Question, your ex was claiming the tax credits being the one working but it was a joint account the money was paid into?.

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By (user no longer on site) OP
over a year ago

"I think they may say that unless you can prove you didn't have access to it and use it, it'll be a tough one (as it was a joint account and you shoukd in theory havenaccess to it).

Tax Credits/Inland Revenue are tough gits so i'd get to Citizens Advice and get some help from them. They might write to them and collate evidence for you."

OK thank you. Yes I got the impression off the woman that she hadn't even looked at the evidence I had provided her with.

xxx

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By (user no longer on site) OP
over a year ago

"Question, your ex was claiming the tax credits being the one working but it was a joint account the money was paid into?."
Yes. I didn't get a Penny in my own rites although my name was on the claim because we were married xxx

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By (user no longer on site)
over a year ago

Get help from a debt management company, like a previous poster says Citizens advice or Stepchange, Stepchange are available on line. XXX

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By (user no longer on site)
over a year ago

I would ask citizens advice instead of asking on a sex site.

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By *ove bi guysWoman
over a year ago

Birmingham

You called once you were in the new flat not straight away ?

Unless you called them straight away I think you are deemed to have been jointly responsible

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By *et-shortyMan
over a year ago

Manchester

"Question, your ex was claiming the tax credits being the one working but it was a joint account the money was paid into?. Yes. I didn't get a Penny in my own rites although my name was on the claim because we were married xxx"
.

Your both liable then.

Contact them as soon as possible and be as honest as possible about attempting to repay them, being a gov dept you'll probably get very favorable terms like £5 a week and no interest

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By (user no longer on site)
over a year ago

See they'll just take the _iew that the claim was in joint names and the bank account was in joint names and that anything else after that was down to you and your ex. Get to the CAB

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By (user no longer on site) OP
over a year ago

"I would ask citizens advice instead of asking on a sex site. "
I have a lot of friends or the forums and I value their advice

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By (user no longer on site)
over a year ago

If it was a joint claim I'm pretty sure you are still responsible, but please do seek advice. Good luck X

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By (user no longer on site) OP
over a year ago

"You called once you were in the new flat not straight away ?

Unless you called them straight away I think you are deemed to have been jointly responsible "
Yes straight away and every time, even they sent a letter with my name still in the claim xxx

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By (user no longer on site)
over a year ago

HMRC are tasked with closing the tax gap so are taking every opportunity to try and claw back money with the iron fist approach.

Go and speak to CAB or, and it's a long shot, see if any accountancy practices in the area do a half hour freebie discussion as they might be able to point you in the right direction as to how to word your replies.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Make an appointment with CAB and discuss it with them. In the meantime contact the debt recovery company and see if they will hold off until you've had advice.

If it comes to it your flat is more important than the money even thoug its very unfair.

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By (user no longer on site)
over a year ago

"I would ask citizens advice instead of asking on a sex site. I have a lot of friends or the forums and I value their advice"

Fine. Just thought proper advice from people who would know the correct answer would be best. Your money, up to you of course.

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By (user no longer on site) OP
over a year ago

Your both liable then.

Contact them as soon as possible and be as honest as possible about attempting to repay them, being a gov dept you'll probably get very favorable terms like £5 a week and no interest"
OK thank you. Tbh this is the line I'm leaning towards although I don't want to. I don't want the hassle and atm me and the ex get on well so I don't want that to turn sour either xxx

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By (user no longer on site)
over a year ago

"I would ask citizens advice instead of asking on a sex site. "

Why shouldn't she ask on here now? As it's clearly out of office hours..

There is no harm asking to be pointed in the right direction

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By (user no longer on site) OP
over a year ago

Ok thank you I'll call cab tomorrow n see what they say but I think it will be the same as what shorty has said and what I suspect. Xxx

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By (user no longer on site)
over a year ago

it is down to the person who is making the claim to inform them of any changes.

such as partner leaving change in working hours ect.

so you need to know if the claim was made by your partner or both of you,

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By (user no longer on site) OP
over a year ago

"Make an appointment with CAB and discuss it with them. In the meantime contact the debt recovery company and see if they will hold off until you've had advice.

If it comes to it your flat is more important than the money even thoug its very unfair."
Yes it is. Sadly a lot in life is unfair.

Xxx

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By (user no longer on site) OP
over a year ago

"it is down to the person who is making the claim to inform them of any changes.

such as partner leaving change in working hours ect.

so you need to know if the claim was made by your partner or both of you,"
I always set up the benefits he just spent the money.

xxx

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By *orum TrollWoman
over a year ago

•+• Access Denied •+•

ignore it, if it's off debt collectors.

that's what me and my ex did and nobody has done anything about it.

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By *ong legs n LingeireWoman
over a year ago

it up to me neck. :-)

Your both liable then.

Contact them as soon as possible and be as honest as possible about attempting to repay them, being a gov dept you'll probably get very favorable terms like £5 a week and no interest OK thank you. Tbh this is the line I'm leaning towards although I don't want to. I don't want the hassle and atm me and the ex get on well so I don't want that to turn sour either xxx"

Hopefully if you and your ex get on well he will understand this is a joint thing (I know you said you didn't benefit from this payment). Maybe see if you can share the repayments?

Still good advice from above, go to CAB. They're there to help. Good luck. Xx

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By *orum TrollWoman
over a year ago

•+• Access Denied •+•

they'll send out a few more letters then give up.

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By (user no longer on site) OP
over a year ago

Your both liable then.

Hopefully if you and your ex get on well he will understand this is a joint thing (I know you said you didn't benefit from this payment). Maybe see if you can share the repayments?

Still good advice from above, go to CAB. They're there to help. Good luck. Xx"
Thank you. Yes that is the plan but I'm worried he will default n I'll be the one who loses everything I've built up since I was kicked out. Xxx

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By (user no longer on site)
over a year ago

"I would ask citizens advice instead of asking on a sex site.

Why shouldn't she ask on here now? As it's clearly out of office hours..

There is no harm asking to be pointed in the right direction"

No reason she shouldn't. But surely 100% accurate advice is the best.

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By (user no longer on site)
over a year ago

"they'll send out a few more letters then give up."

It's HMRC. They never give up.

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By *ong legs n LingeireWoman
over a year ago

it up to me neck. :-)

Your both liable then.

Hopefully if you and your ex get on well he will understand this is a joint thing (I know you said you didn't benefit from this payment). Maybe see if you can share the repayments?

Still good advice from above, go to CAB. They're there to help. Good luck. Xx Thank you. Yes that is the plan but I'm worried he will default n I'll be the one who loses everything I've built up since I was kicked out. Xxx"

Well hopefully if they agree to you both sharing the repayments they will know if he defaults on his promise. Fingers crossed for you. Xx

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By (user no longer on site)
over a year ago

"they'll send out a few more letters then give up.

It's HMRC. They never give up. "

This! HMRC can be relentless and if you don't co-operate or are seen to be avoiding the issue they'll then play hardball.

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By *orum TrollWoman
over a year ago

•+• Access Denied •+•

"they'll send out a few more letters then give up.

It's HMRC. They never give up. "

she said debt collectors though. they do give up coz it's not their debt anyway. well they have for us, not heard from them in ages.

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By (user no longer on site)
over a year ago

"I would ask citizens advice instead of asking on a sex site.

Why shouldn't she ask on here now? As it's clearly out of office hours..

There is no harm asking to be pointed in the right direction

No reason she shouldn't. But surely 100% accurate advice is the best. "

If anyone wants 100% accurate advice, CAB are the last place to go to, in my professional opinion

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By *et-shortyMan
over a year ago

Manchester

"they'll send out a few more letters then give up.

It's HMRC. They never give up.

This! HMRC can be relentless and if you don't co-operate or are seen to be avoiding the issue they'll then play hardball.

"
.

That's true but then there also very favorable for terms, if you can only afford £3 a week they'll take it with no interest attached at all, in reality if your going to owe money to somebody there one of the better people to owe it to.

Try owing the vat man

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By *wo4FemCouple
over a year ago

Birmingham

If you do have to pay it back inform them that as it was a joint claim you will only be paying half the amount and that they will have to collect the other half from your ex. If your ex is working and has said that he will pay then they can do what is known as an attachment to earnings order whereby they can take so much per week/month depending how he is payed straight from his wages before he gets the money.

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By *orum TrollWoman
over a year ago

•+• Access Denied •+•

our debt is from 2011 so almost up anyway. they had our new details but didn't think to contact us on them and sent debt letters to our old address for a few years.

by april this year it will be 6 yrs so we might have got away with it coz of that.

i didn't even contact anyone off any of the letters they sent me last year either.

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By (user no longer on site) OP
over a year ago

I think what I'll do is phone the debt company again tomorrow once my head is clearer and check that his half is totally in his name so if he defaults it won't bounce back to me. Then I'll arrange good terms if I can n just take it on the chin. Xxx

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By *harpDressed ManMan
over a year ago

Here occasionally, but mostly somewhere else

If your ex has accepted it's his liability, get that in writing.

Copy to debt agency.

Then ignore their phone calls. Whenever they write to you, write back with another copy of the above. It's extremely unlikely they'll come to your door (it's extremely LIKELY they'll say they will), and they would 100% need a court order to take your property - and they couldn't get a court order without the court writing to you to tell you that there was to be a hearing.

Don't lie ("not known"/"gone away"), stay in touch (reply to everything as above), but don't do anything that isn't in writing. If they phone you up, they MUST confirm your identity before they discuss anything personal (such as a debt), so don't confirm it. Your name alone is not enough, they will need address - give false ones until they hang up, hang up yourself, or just tell them to "put it in writing, you don't keep accurate records of conversations".

Finally, expect to see multiple debt agencies involved before it gets resolved - they just sell the debts amongst themselves and hope their form letters recover a big enough proportion to cover the costs.

Oh, and in the meantime, you may find it slightly more difficult to get credit - not impossible, but less easy. If this is an issue for you, it may be worth considering what access to credit is worth to you....and offering that as a settlement.

In short, don't panic, you're still in control.

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By (user no longer on site) OP
over a year ago

"they'll send out a few more letters then give up.

It's HMRC. They never give up.

This! HMRC can be relentless and if you don't co-operate or are seen to be avoiding the issue they'll then play hardball.

Try owing the vat man

"
Thank you shorty I'll phone them in the morning. It's a butt fuck but I can't deal with the stress it makes my fibro worse so I think as it's the government I'm just gunna bend ova.

xxx

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By (user no longer on site) OP
over a year ago

"If you do have to pay it back inform them that as it was a joint claim you will only be paying half the amount and that they will have to collect the other half from your ex. If your ex is working and has said that he will pay then they can do what is known as an attachment to earnings order whereby they can take so much per week/month depending how he is payed straight from his wages before he gets the money."
he's a taxi driver.........

xxx

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By (user no longer on site)
over a year ago

Haven't read whole thread so apologising if repeating what someone else said.

Did you write and inform tax credits of what had happened? Did you have any bank statements from that time or can you bank provide copies to show you did not spend that money and only your ex did?

Did you ever acknowledge the debt to tax credits or now to debt collection agency ?

That can all make a difference.

But if it's not a massive amount , they'll keep adding costs on for their time and letters etc and it could spiral. You've got to weigh that up against fighting it?

Sarah

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By (user no longer on site) OP
over a year ago

"If your ex has accepted it's his liability, get that in writing.

Copy to debt agency.

In short, don't panic, you're still in control.

"
Thank you. I don't do credit anymore. If I can't afford it is don't buy it. 18 months I've been debt free and it's been bliss........xxx

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By (user no longer on site) OP
over a year ago

"Haven't read whole thread so apologising if repeating what someone else said.

Did you write and inform tax credits of what had happened? Did you have any bank statements from that time or can you bank provide copies to show you did not spend that money and only your ex did?

Did you ever acknowledge the debt to tax credits or now to debt collection agency ?

That can all make a difference.

But if it's not a massive amount , they'll keep adding costs on for their time and letters etc and it could spiral. You've got to weigh that up against fighting it?

Sarah "
he took everything off me that day Barr my dad's car. Xxx

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By (user no longer on site)
over a year ago

If it was a joint tax credits, why isn't your ex being asked to pay it back too?

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By (user no longer on site) OP
over a year ago

"If it was a joint tax credits, why isn't your ex being asked to pay it back too?

CAB aren't the greatest of people to seek advice from, but will have knowledge in some areas. There are normally little charity organisations that are similar to CAB, but have more accuracy. In Leicester they're called helping hands, not sure what one near you may be called. But CAB is a good starting point. "
he is we have got to pay half each. But my argument is that he kicked me out on the day the money went in. I had no access or benefit of the money. Tax credits isn't payed in arrears. Xxx

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn

[Removed by poster at 15/02/17 18:53:50]

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn

Would the money not have been used to support your children and you just pay half to help support them

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By (user no longer on site)
over a year ago

"they'll send out a few more letters then give up.

It's HMRC. They never give up.

This! HMRC can be relentless and if you don't co-operate or are seen to be avoiding the issue they'll then play hardball.

Try owing the vat man

The VAT man is also HMRC

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By (user no longer on site) OP
over a year ago

"Would the money not have been used to support your children and you just pay half to help support them"
thank you _iew that Sir is an intresting slant that i appreciate. Xxx

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By (user no longer on site)
over a year ago

Not sure how you can pay something back you haven't received.

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By (user no longer on site)
over a year ago

"our debt is from 2011 so almost up anyway. they had our new details but didn't think to contact us on them and sent debt letters to our old address for a few years.

by april this year it will be 6 yrs so we might have got away with it coz of that.

i didn't even contact anyone off any of the letters they sent me last year either.

Got away without paying a debt? If you owe money, you owe it. People should never be able to get away without paying it off. Its wrong.

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By (user no longer on site) OP
over a year ago

"Not sure how you can pay something back you haven't received."
PMSL that's my opinion too but I can't prove I didn't have access to the money. Xxx

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By (user no longer on site)
over a year ago

"Not sure how you can pay something back you haven't received."

If it went into a joint bank account then they have received it, and she will be liable.

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By (user no longer on site) OP
over a year ago

"Not sure how you can pay something back you haven't received.

If it went into a joint bank account then they have received it, and she will be liable. "
it went into a joint account that I had no access to cos he kicked me out of the house with fuck all

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By (user no longer on site)
over a year ago

Unfortunately I don't think much will be done as you have said it was a joint benefit and joint account and I very much doubt they'd accept you had no access to the account funds.

Only other thing is to provide the evidence that you spoke to them and told them you were no longer there, for example when you phoned and who you spoke to etc.

I'm presuming it's an over payment as you split up and therefore there was no entitlement to the tax credits, or not all of it.

They may accept your ex taking responsibility, but that's something you'd have to discuss with them.

Tax credits have the power to take over payments out of other benefits you receive, not sure if they can do this with work wages too. It's a debt that will have to be paid back as it's a HMRC one, but who pays or how it's done is something you'll have to discuss with them and hope it's someone that's willing to listen.

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By (user no longer on site)
over a year ago

"Not sure how you can pay something back you haven't received.

If it went into a joint bank account then they have received it, and she will be liable. it went into a joint account that I had no access to cos he kicked me out of the house with fuck all"

You would stil have had access though as in you could have got another bank card for that account. Did you speak to the bank at the time? I'd get copy bank statements to show you didn't spend any of it.

At the very least the debt should be equally split but the debt collection agency will just want their money. I wonder if you can get them to agree you are only 50% liable.

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By (user no longer on site) OP
over a year ago

"Unfortunately I don't think much will be done as you have said it was a joint benefit and joint account and I very much doubt they'd accept you had no access to the account funds.

Only other thing is to provide the evidence that you spoke to them and told them you were no longer there, for example when you phoned and who you spoke to etc.

I'm presuming it's an over payment as you split up and therefore there was no entitlement to the tax credits, or not all of it.

They may accept your ex taking responsibility, but that's something you'd have to discuss with them.

Thank you. Yes I had nothing just my dad's car. Thankfully a relative stranger put me up. I new his ex girlfriend. I got some money thr porning jewellery and thr the emergency fund. I went to the food bank a few timrs aswell. It was a horrid time. Xxx

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By (user no longer on site)
over a year ago

"So when I was kicked outta the house on the 31st of July 2015 apparently tax credits made a payment into our joint account. I had no access to this money nor did I benefit from it. Once I moved into my flat I phoned tax credits to get my name removed from the claim. Approx 6 months ago they hit me with a bill of 600 saying I had to pay it. I disputed this and gave evidence of me attending the job centre for emergency housing, money and food. Tax credits have said tuff and I still have to pay half cos my name was on the claim. Tax credits isn't payed in arreas so I by rites shouldn't have to pay a penny it's my exs debt. Tax credits have escalated it to a debt company. So I'm getting hassle off my mum to sort it out because she watches don't pay we take it away and she thinks if I fight it the bailiffs will come n I'll lose my flat.

You need to go to the citizens advice. Do not take legal advice from a swingers site.

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By (user no longer on site) OP
over a year ago

"Not sure how you can pay something back you haven't received.

If it went into a joint bank account then they have received it, and she will be liable. it went into a joint account that I had no access to cos he kicked me out of the house with fuck all

At the very least the debt should be equally split but the debt collection agency will just want their money. I wonder if you can get them to agree you are only 50% liable. "
no he took everything off me. Att I didn't know I could access the joint account myself with a proof of address. If ifs and ands.....xxx

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By *iss_tressWoman
over a year ago

London

"I would ask citizens advice instead of asking on a sex site. I have a lot of friends or the forums and I value their advice"

Yes, but armchair advice and opinion won't help the experts will. I've seen people post they have lumps etc. Instead of making an appointment with their GP they ask on here, so your not alone in your madness, erm I mean your thinking.

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By (user no longer on site) OP
over a year ago

You need to go to the citizens advice. Do not take legal advice from a swingers site."

Don't worry I'm not. I'm just clearing my head and cementing what I already know. Xxx

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"If it was a joint tax credits, why isn't your ex being asked to pay it back too?

CAB aren't the greatest of people to seek advice from, but will have knowledge in some areas. There are normally little charity organisations that are similar to CAB, but have more accuracy. In Leicester they're called helping hands, not sure what one near you may be called. But CAB is a good starting point. he is we have got to pay half each. But my argument is that he kicked me out on the day the money went in. I had no access or benefit of the money. Tax credits isn't payed in arrears. Xxx"

I am guessing you would both still be liable as it was paid into a joint account.

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By (user no longer on site) OP
over a year ago

"I would ask citizens advice instead of asking on a sex site. I have a lot of friends or the forums and I value their advice

No I'm defo not alone with my madnesss. They all tell me I'm cookoo.

xxx

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By (user no longer on site) OP
over a year ago

"If it was a joint tax credits, why isn't your ex being asked to pay it back too?

CAB aren't the greatest of people to seek advice from, but will have knowledge in some areas. There are normally little charity organisations that are similar to CAB, but have more accuracy. In Leicester they're called helping hands, not sure what one near you may be called. But CAB is a good starting point. he is we have got to pay half each. But my argument is that he kicked me out on the day the money went in. I had no access or benefit of the money. Tax credits isn't payed in arrears. Xxx

I am guessing you would both still be liable as it was paid into a joint account."

Yes looks that way. Just frustrating when I didn't benefit from it. If he had given me 300 n said fuck off I wouldn't feel so butt hurt at having to pay it back. Xxx

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By (user no longer on site)
over a year ago

[Removed by poster at 15/02/17 19:35:38]

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

"If it was a joint tax credits, why isn't your ex being asked to pay it back too?

CAB aren't the greatest of people to seek advice from, but will have knowledge in some areas. There are normally little charity organisations that are similar to CAB, but have more accuracy. In Leicester they're called helping hands, not sure what one near you may be called. But CAB is a good starting point. he is we have got to pay half each. But my argument is that he kicked me out on the day the money went in. I had no access or benefit of the money. Tax credits isn't payed in arrears. Xxx

I am guessing you would both still be liable as it was paid into a joint account.

Yes looks that way. Just frustrating when I didn't benefit from it. If he had given me 300 n said fuck off I wouldn't feel so butt hurt at having to pay it back. Xxx "

Hopefully you now have no joint account? As you are both still liable for anything that happens on it

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By (user no longer on site)
over a year ago

"they'll send out a few more letters then give up.

It's HMRC. They never give up.

she said debt collectors though. they do give up coz it's not their debt anyway. well they have for us, not heard from them in ages."
with HMRC if you dont pay the debt collector it defaults back to them ... then they add fines. Has took me 8 years to sort a tax fine for a company I closed and filed all my paperwork for but someone at their office messed up..

Went from 250 quid to 2300... thank fully I keep records and notes of who i talk to and when... its just been settled.. and I owe them nothing. But been 8 years in the process.

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By (user no longer on site)
over a year ago

I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

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By *inky-MinxWoman
over a year ago

Grantham

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me."

Because some men will do anything to screw things up for you, particularly after you have left them

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By (user no longer on site) OP
over a year ago

"If it was a joint tax credits, why isn't your ex being asked to pay it back too?

CAB aren't the greatest of people to seek advice from, but will have knowledge in some areas. There are normally little charity organisations that are similar to CAB, but have more accuracy. In Leicester they're called helping hands, not sure what one near you may be called. But CAB is a good starting point. he is we have got to pay half each. But my argument is that he kicked me out on the day the money went in. I had no access or benefit of the money. Tax credits isn't payed in arrears. Xxx

I am guessing you would both still be liable as it was paid into a joint account.

Yes looks that way. Just frustrating when I didn't benefit from it. If he had given me 300 n said fuck off I wouldn't feel so butt hurt at having to pay it back. Xxx

Hopefully you now have no joint account? As you are both still liable for anything that happens on it"

No everything else was sorted. Although the house is still in my name also the mortgage company assured me that I would not be chased for any default as we are separated. This was the only lose end and I had a feeling I would be hit with a bill. Call it intuition but hence my repeated phone calls to get my name removed. If the money had of gone in on the 1st of Aug.. .xxx

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By *inky-MinxWoman
over a year ago

Grantham

I agree the CAB is the best bet and make sure your branch has a qualified debt advisor.

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By *inky-MinxWoman
over a year ago

Grantham

"Although the house is still in my name also the mortgage company assured me that I would not be chased for any default as we are separated."

Have you got that in writing? I know someone who fell foul of that when the ex stopped paying the mortgage. They still came after him for the debt.

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By (user no longer on site)
over a year ago

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

Because some men will do anything to screw things up for you, particularly after you have left them

They can't physically stop you walking to your own bank.

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By (user no longer on site) OP
over a year ago

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

Because some men will do anything to screw things up for you, particularly after you have left them

"
yes he sent me one of every shoe I owned. Bastard.

xxx

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By (user no longer on site)
over a year ago

[Removed by poster at 15/02/17 19:45:49]

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By (user no longer on site) OP
over a year ago

"Although the house is still in my name also the mortgage company assured me that I would not be chased for any default as we are separated.

Have you got that in writing? I know someone who fell foul of that when the ex stopped paying the mortgage. They still came after him for the debt."

Yes all in my locked docs box xxx

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By (user no longer on site)
over a year ago

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

Because some men will do anything to screw things up for you, particularly after you have left them

They can't physically stop you walking to your own bank. "
they can stop you accessing it though. My ex did and before he closed it took a 10k loan out in joint names. Luckily for me I could prove I hadnt filled in my part.. and i got out of paying half.

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By *ugby 123Couple
Forum Mod
over a year ago

O o O oo

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

Because some men will do anything to screw things up for you, particularly after you have left them

They can't physically stop you walking to your own bank. "

They can't no, but you would need ID to able to access the account once in there...maybe she had no ID or bankcards if she left the house with nothing at all

( I don't know if she didn't have any ID etc or not but thats what it sounds like )

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By *inky-MinxWoman
over a year ago

Grantham

" I'm sorry if I seem harsh, but how can someone not know that they can access their own bank account?

It seems like excuses to me.

Because some men will do anything to screw things up for you, particularly after you have left them

They can't physically stop you walking to your own bank. "

They can if they threaten you with violence.

"Never criticise a man until you've walked a mile in his moccasins"

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By *oachman 9CoolMan
over a year ago

derby

"I would ask citizens advice instead of asking on a sex site. I have a lot of friends or the forums and I value their advice

No I'm defo not alone with my madnesss. They all tell me I'm a cuckoo.

xxx"
you must be the earliest one on record where,s me note book...

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By (user no longer on site)
over a year ago

Try and get it writing of your ex that he spent the money and will re pay it and send them a copy of the letter

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By *eavenscentitCouple
over a year ago

barnstaple

"ignore it, if it's off debt collectors.

that's what me and my ex did and nobody has done anything about it."

Yet !

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By (user no longer on site)
over a year ago

get on the phone to Stepchange Debt Charity. They offer impartial helpful advice,help you deal with courts and debt agencies.

Tel is easy to find on google.

They can phone you, to save costs.

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By (user no longer on site)
over a year ago

I was over paid by £300.00, long story short I had to pay it back, at that stage I set the payments to £10.00 a month.

I'd call tax credits and find out what the bare minimum repayment is.

I'm sure there are circumstances when the debt is dropped but I know what my luck is like!

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By (user no longer on site)
over a year ago

I'm in exactly the same position. I split with my wife last year and last week received a letter from a debt recovery agency.I knew nothing about it till I rang, they were useless so I phoned tax credits.

Even though I had documented proof we had split up ,the money was paid into her account (not joint)i was still liable because she never took me of the claim quick enough. It's unbelievable how I can be liable when I never benefited from the money. I rang the CAB and hopefully they will sort it out.

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By (user no longer on site) OP
over a year ago

Had some lovely advice yesterday so thank you all. I've phoned them up and they were very nice. So much different to other debt collection agencys. If you ever have debt with tax credits phone the agency up. They WILL help you. Although I'm still butt hurt at having to pay it I've set up a managble payment plan and it will be done n dusted by dec.

So once again thank you for all the advice that was given.

Lots of love a happy and relaxed PTU xxx

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By *iamondjoeMan
over a year ago

Glastonbury

Tax Credits seemed like a nice idea but the reality of how they work is eye-wateringly complicated, retrospective and then the staff/system itself is unresponsive.

I'm not surprised it cases people massive grief.

Glad you got a plan tho', OP.

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By (user no longer on site) OP
over a year ago

"Tax Credits seemed like a nice idea but the reality of how they work is eye-wateringly complicated, retrospective and then the staff/system itself is unresponsive.

I'm not surprised it cases people massive grief.

Glad you got a plan tho', OP. "

Yes the chap said the system is maddening! Prob why the DC they use are so understanding. Xxx

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By *ackDMissMorganCouple
over a year ago

Halifax

"Had some lovely advice yesterday so thank you all. I've phoned them up and they were very nice. So much different to other debt collection agencys. If you ever have debt with tax credits phone the agency up. They WILL help you. Although I'm still butt hurt at having to pay it I've set up a managble payment plan and it will be done n dusted by dec.

So once again thank you for all the advice that was given.

Lots of love a happy and relaxed PTU xxx"

Glad to hear you got it sorted ,one less worry xxx

Miss

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By *iamondjoeMan
over a year ago

Glastonbury

"Tax Credits seemed like a nice idea but the reality of how they work is eye-wateringly complicated, retrospective and then the staff/system itself is unresponsive.

I'm not surprised it cases people massive grief.

Glad you got a plan tho', OP.

Yes the chap said the system is maddening! Prob why the DC they use are so understanding. Xxx"

It's all gonna be faded out and merged with Universal Credit.

At some point. No-one quite seems to know.

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By *nequeenslutWoman
over a year ago

rugeley

please make sure that your name is removed from any joint bank accounts power company's rent agreements etc.as you could be deemed liable for any debt incurred

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By (user no longer on site) OP
over a year ago

please make sure that your name is removed from any joint bank accounts power company's rent agreements etc.as you could be deemed liable for any debt incurred "
Yes that's all done thank you. This was the only lose end and I wasn't for tryin to get my name removed. Xxx

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By *oodmessMan
over a year ago

yumsville

[Removed by poster at 16/02/17 11:58:33]

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By *oodmessMan
over a year ago

yumsville

Rather than stress about it and enter into dispute over months and months. You realise you are liable to pay £300 of the £600 received as it was joint. Write to HMRC and say you can't afford it and set up a payment plan. There is little point making your health worse. In the mean time contact your ex and advise you will go to the small claims court, I think it costs £30? If he doesn't pay it in full in court provide bank statements showing the credits paid in and you spending none of it and sue your ex for the full amount. If it is/was a joint account you will be able to request statements for the period up until you were removed from the account

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