tax credit asking for proof...

zzzLazyDaisy

soolin wrote: »

I am not sure I would be quite so re assuring to the OP , I believe she should be worried and should be looking at a way to actually sever formal arrangements with the ex if only to stop this happeneing in the future.

I agree. From the paperwork it is going to look like Ex lives at OP's address unless she can show otherwise, and at the moment things are looking shaky.

Ex is living at a friend's house on an informal arrangement, which means the friend is almost certainly not declaring the income and is very unlikely to want to formalise the arrangement or get involved with OP's affairs.

I don't understand the issue of the car insurance. The insurer cannot insist that the car insurance is registered in a particular address. Yes it is true that if one of the named drivers lives in a less desireable area, that may increase the insurance, but that definitely does not mean that the insurance documentation must go to that person's address. I know this because my son is on my insurance, he lives in a much less desirable area than I do, but I am the first named driver, and all the insurance documentation comes to me. Similarly with students - they are often second drivers on their parents' cars, and often live in dodgy areas, but it doesn't mean the insurance has to be in their name or at their address. It sounds like Ex has put OP's address down as his address for the purpose of insuring the car.

OP you need to sever the joint financial ties with your Ex, apart from child maintenance. He needs to shift all his financial affairs to whatever address he is now living at. As far as the car insurance is concerned, as I understand it, you each have a car, and you are each also second named drivers on each others' car? That shouldn't be a problem in itself, but you need to ensure that each car/insurance/tax etc is registered in the name of the person who owns it, at the address that they live.

poppasmurf_bewdley

lvdiff wrote: »

I'm sure she would but would they accept it?

Car insurance is in my address as that is the higher risk address was told this by the insurance company as they cannot put 2 address down so which ever one is classed as the higher premium amount thats where it should be listed.

Banking is at my address as when he tried to move it had no ID to prove he was at another address. every time they phoned I told them he didn't live here but they could not update due to data protection nor could they update his file.

He renewed his drivers licence at his Dad address with intent to live there but since moved in with his friend.

Registered to vote?? I haven't seen anything come to this address so I am assuming his dads? rest I don't know

Is your ex being above board with you? I moved in December and changed my address with the bank, and all I had to do was phone them. They then sent a letter to both addressess within 2 days to check that they had been given proper info and it wasn't a scam attempt.

I would make sure that he gets everything away from your address PDQ, including car insurance, and make sure he's not on the electoral roll.

georgiasdragons

Car Insurance does not normally come up on credit checks, how can they see this information, I can understand bank accounts and anything to do with loans.
Maybe you did have joint financial connection from the past loans or mortgage this can stay on your credit file.

AnxiousMum

If you pay monthly for your car insurance, then yes, it can show on your credit report. The insurance companies often do a credit check prior to the start of a policy and sometimes at renewal as well.

no-oneknowsme

Op surely your Husband could have opened a bank account using his driving licence?

zzzLazyDaisy

He doesn't need to open a new bank account, he simply needs to change his address for the account he already has. As the previous poster has pointed out, this should only need a phone call - that's all I did when I moved, the bank didn't ask for proof of address.

OP things are not looking good from your point of view, any investigation is going to find that all/most of his financial and other affairs are still at your address, which means that he has informed the relevant organisations that he is living at your address. If it is good enough for the bank, the insurance (and probably the DVLA) then tax credits are likely to believe that this is the truth and he is in fact living with you, unless you can come up with some pretty strong evidence to counteract the apparent facts.

soolin

I think it unlikely that the OP will actually be back again, she hasn't logged in since the day of her opening posts.

Such a shame as i think there has been some valuable information given that she might well be wise to take on board when dealing with the authorities.

tinkerbell28

Car insurance is in my address as that is the higher risk address was told this by the insurance company as they cannot put 2 address down so which ever one is classed as the higher premium amount thats where it should be listed.

That's utter rubbish, if you really were told this then talk to the insurance as you won't be covered. His car, should be registered with him on the policy, with the address he actually lives at. His insurance is invalid.

That's like me insuring my car, but putting my brothers address on the policy as I visit there all the time and it's a higher risk address. I find it hard to believe you were really told this. If you were, then you need to change it.

Being honest, as I think that is the best situation here, I think you are going to be deemed to have been lying. Look at it from HMRC point of view. All his insurance, banking, bills are all listed at your address. He has nothing to prove he lives elsewhere.

You say it was because the insurance company said this, the bank said this, etc. Are they really going to believe so many financial institutions giving out such poor advice, and unbelievable advice too.

Honestly, I'd prepare for the worst and get to the CAB.

pipkin71

poppasmurf_bewdley wrote: »

Is your ex being above board with you? I moved in December and changed my address with the bank, and all I had to do was phone them. They then sent a letter to both addressess within 2 days to check that they had been given proper info and it wasn't a scam attempt.

I would make sure that he gets everything away from your address PDQ, including car insurance, and make sure he's not on the electoral roll.

Yes, it is possible to do over the phone if you have set up that facility, as you would have given them passwords so that they knew you were the account holder after asking security details.

It would be harder to do if there were no passwords on the account or, if in the branch, the person had no ID.

Agree with you on getting everything swapped over but wonder if that would make the OP look even more guilty now, if it was done immediately?

no-oneknowsme

soolin wrote: »

I think it unlikely that the OP will actually be back again, she hasn't logged in since the day of her opening posts.

Such a shame as i think there has been some valuable information given that she might well be wise to take on board when dealing with the authorities.

I guess if the OP does not come back we will never know the outcome but here is my opinion on the situation.....

I *think* that OP may well have been living with this partner and that is why all of his stuff is still registered to her address. I think that she has been caught out by the benefits agency and in a panic she has come on here to ask for the advice of others to see if her story sounds in any way plausible......

There were just too many points in her story which hit me as strange...like he had no ID to open himself a bank account at his new address? Well he has car insurance so I would assume he has a driving licence he could use as ID.

Both the cars were registered and insured to the OP's address? That one just doesnt add up either as the insurance company would NEVER agree to a car being insured and kept at anything other than the policy holders home address.

The OP gave too much detail of her situation. It was almost like she had the story rehearsed ready to tell.

My opinion is that there HAS been benefit fraud taking place and they have now been caught out.