HMRC charge on a house?

paddedjohn

justlooking2012 wrote: »

I fail to see how someone can allow themselves to be overpaid upwards of 12k and not realise something is wrong

The amount of money that is available to benefit claimants nowdays means that this can go unnoticed very easily and very often.

paddedjohn

Out of interest OP, why is she worried about having a charge on the property? it wont have to be dealt with until she either comes to sell or she dies and the house is sold.

whitewing

I think sometimes big overpayments can happen because of childcare costs in the holidays. If one or more children are in holiday clubs, and it costs £a couple of hundred a week, that is how much you'd say the cost was. But that isn't the same as all you spend on childcare in a year divided by 52. Then add in other factors like moving address and other things that can happen at the same time and it gets confusing. If you don't know how much you should be getting (because it's complicated), it's hard to match what you are notified you are getting against what you are paid. Add in fluctuating incomes, job change and clawbacks. And there didn't use to be so much online. Before I joined MSE, I really had nowhere to ask money questions.

epskie

paddedjohn wrote: »

Out of interest OP, why is she worried about having a charge on the property? it wont have to be dealt with until she either comes to sell or she dies and the house is sold.

Well I guess she hasn't thought of it like that. I have to say I was horrified when she told me - I wouldn't be comfortable with a charge on my house that's for sure.
Whitewing I would say it's likely to be the scenario you described there - her employment has been erratic to say the least!

PoorCharleyBear

when a relative died, his estate was subject to inheritance tax. As the property was struggling to be sold (some years ago when the market was even slower), HMRC put a lien on the property.

Additionally when it was finally sold, the beneficiaries had to use an approved solicitor. If the solicitor was not on the 'approved' list, HMRC had concerns that they might not receive their money first, in accordance with discharging the lien.

So extra charges over and above the lien.

skintmacflint

I'm assuming HMRC don't add any interest in a situation like this, unlike banks etc ?