Working 'cash in hand'

Jonee

Nada666 wrote: »

Tax credits are not benefits? Oh. Good luck with not repaying them then if your incomes were not declared.

NOPE...not claiming anything....just doing my job...thats it....

Dunroamin

Jonee wrote: »

NOPE...not claiming anything....just doing my job...thats it....

You certainly seem to have been claiming tax credits two years ago.

https://forums.moneysavingexpert.com/discussion/comment/40101970#Comment_40101970

marky_p

Incredible work Dunroamin :rotfl:

paulineb_2

I dont think you'll get a huge NIC bill, but as I said before, if you dont make up the contributions yourself you'll have lost out on 5 years contributions towards your state pension. Which kind of takes away the shine of the extra cash youve been earning.

I worked part time last year and I didnt earn enough to qualify for a pension credit, but if your boss had been putting you through the books, and to be honest I dont think that theres any reason he couldnt have, because on those wages he was paying you, you wouldnt have earned enough to pay tax anyway and all he would have had to pay was your NI stamp and even then, your wages were so low you'd probably have qualified for a pension credit from the government.

5 years of NI contributions lost because an employer wouldnt put your through the books, Im not sure Id have stayed in that job so long without asking to be paid as a regular worker, because youve gained the cash in hand, but youve lost out on pension credits.

marleyboy

Dunroamin wrote: »

You certainly seem to have been claiming tax credits two years ago.

https://forums.moneysavingexpert.com/discussion/comment/40101970#Comment_40101970

Oops..

OP, looks like your in it deep. The old saying goes, You get away with it, You get away with it, You get away with it.....You get caught!!

pops5588

I think it might depend on how much you were aware of the situation. My ex-employer did something along these lines to me, told me that they sorted all my tax etc through their accountant and then i received my net pay in cash. Never received payslips/P60s, asked and asked and asked for them but at the end of the day if your employer doesn't want to employ by the rules they just won't.

Ended up doing some detective work and finding out who her accountant was. Kept a record of every single hour I worked, kept every single paying-in slip to show the cash I received, sent it all over to her and said I want my P60 and a month later I got taken into the office and told that I "had been a silly girl" and told the accountant the truth when she had been telling the accountant that I had only been working 20 hours a weeks to "help you keep your tax down". When I WANTED to pay tax, I wanted to be a legit employee. She just wanted to keep her NIC contributions to a minimum.

If you are trying to keep your head down and avoid trouble then you will look guilty because you are! If you are genuinely stressed about the situation you're in and didn't know what was happening then phone HMRC. I did (in tears) and explained. I never had to pay a penny. Ex-employer got lumped with everything, including fines for lying.

EDIT: only difference was I only stayed for 9 months (including my one months notice) when I realised how bad the situation stank.

Jonee

Dunroamin.... fyi....'tax credit' is NOT a benefit.....
Anyways....all sorted....my bosses have said they have always declared that I`m working for them....16 hrs a week...LEGALLY....any over-time I have done he pays me from his own pocket as this can vary between 1hr and maybe up to 20 hrs....which isn`t very often!!!!!
So seems we are all happy again!!!!!

Funky_Bold_Ribena

Jonee wrote: »

Dunroamin.... fyi....'tax credit' is NOT a benefit.....
Anyways....all sorted....my bosses have said they have always declared that I`m working for them....16 hrs a week...LEGALLY....any over-time I have done he pays me from his own pocket as this can vary between 1hr and maybe up to 20 hrs....which isn`t very often!!!!!
So seems we are all happy again!!!!!

Of course it is a benefit!

And FYI - I think your employer is lying. HTH.

gb12345

Funky_Bold_Ribena wrote: »

And FYI - I think your employer is lying. HTH.

I'm sure he is, just to pacify someone who doesn't know what he is entitled to.

OP - the fact he is paying you out of his own pocket is irrelevant Your total hours appear to be taking you below NMW, therefore he is treating you like a fool.

Up to you if you want to be one.

terryw

gb12345 wrote: »

I'm sure he is, just to pacify someone who doesn't know what he is entitled to.

OP - the fact he is paying you out of his own pocket is irrelevant Your total hours appear to be taking you below NMW, therefore he is treating you like a fool.

Up to you if you want to be one.

Also there is the problem about tax credits even if you do not think that this is a benefit. Tax credits are means-tested and full and correct details of earnings need to be supplied.

In your shoes, I would as a matter of self-protection request your P60s for the last years and insist upon wages slips for the future.