HMRC debt

epkk

Is it classed as a non essential debt? It's for over payment of Tax Credits.

fiveyearplan

It isn't a priority debt. Are you contemplating bankruptcy?

epkk

fiveyearplan wrote: »

It isn't a priority debt. Are you contemplating bankruptcy?

Yes, im in debt a lot and currently unemployed, so I can't see any other option.

fiveyearplan

Have you spoken to any of the debt charities like CAB, National Debtline or CCCS? Give one, or all, of them a ring and in the meantime have a look at the Guide to Bankruptcy sticky on the front page of this forum. If you have any questions be sure to ask.

debtinfo

hi epkk, there are specific rules relating to benefit overpayments, the important questions are, what period were you overpaid for, when did they ask for the money back (if they formerly have), How did they ask for the money back (lumpsum, regular payments or deduction from ongoing benefit) and finally how did the overpayment arise (i.e could an allegation of fraud be made)

epkk

debtinfo wrote: »

hi epkk, there are specific rules relating to benefit overpayments, the important questions are, what period were you overpaid for, when did they ask for the money back (if they formerly have), How did they ask for the money back (lumpsum, regular payments or deduction from ongoing benefit) and finally how did the overpayment arise (i.e could an allegation of fraud be made)

It was a overpayment on Child Tax Credits, there !!!! up and they was happy with a monthly amout from us. It must be getting on for 2 years now since payment began, and never missed a payment. I don't know the period we was over payed for, sorry.

epkk

fiveyearplan wrote: »

Have you spoken to any of the debt charities like CAB, National Debtline or CCCS? Give one, or all, of them a ring and in the meantime have a look at the Guide to Bankruptcy sticky on the front page of this forum. If you have any questions be sure to ask.

I've been in touch with NDL and Im going to call CCCS on Monday. My main worry is with being unemployed that I can't find the money for the admin fees. I know thete some charities etc out there but it's tricky finding one that will help me out to cover admin fees.

fiveyearplan

It is money well spent. Do you have anything you can ebay or car boot? The quicker you can get the money together the better.

epkk

fiveyearplan wrote: »

It is money well spent. Do you have anything you can ebay or car boot? The quicker you can get the money together the better.

No, not really. I got a Wii but the kids use it a lot and I know they'll be upset to see it go.

fiveyearplan

Some things you consider junk will sell. How about books, toys/clothes your kids have outgrown?

There are also some charities who you could get money from ( I don't know who but someone will come along ).

What are the job prospects looking like?

epkk

fiveyearplan wrote: »

Some things you consider junk will sell. How about books, toys/clothes your kids have outgrown?

There are also some charities who you could get money from ( I don't know who but someone will come along ).

What are the job prospects looking like?

My kids don't live with me apart from my son but will look to see what I can sell, tough won't be much.
As for job prospects, not good. Im having to go to Night School and other courses to learn something new to improve my prospects.