Working Tax credit child care payments

davehughes182

shedboy94 wrote: »

How can you be so sure?

If i tell you i will have to kill you

shedboy94

davehughes182 wrote: »

If i tell you i will have to kill you

It would certainly put me out my misery!!! :rotfl:

Do you work for Tax Credits then?

ragdoll24

Thank you all for your replies.

I am a bit dissapointed that some of you have been so hard on me. All my life I have worked fulll time and often doing a full time job and a part time job! Unfortunately everything went wrong when I was being physically and mentally abused by my husband, I had 3 children with him and 3yrs ago made the decision to leave him as his violence towards me was upsetting the children. Because my husband ran up debts I never knew about I also lost my home so had to go into rented accomodation with my children. This was the first time I ever had to claim benefits after 25yrs of working full time! Even in the time seperated from my husband he continued to abuse me mentally and financially, he broke into my house and stole things, cut my telephone line, slashed the tyres on my car etc etc. Mentally I started to go down hill with depression and last year was working self employed for a company who really abused my good nature, I was working around 40/50hrs a week for them which worked out at around £2 per hr but I was desperate to have a job I could work from home. However they started putting pressure on me to attend events and work from their office a few times a week hence me looking for childcare and claiming for childcare. After the first time I used the childcare provider, I was suffering depression and collapsed one night due to high blood pressure and cut my leg open and was in hospital for a couple of days and had to rest for a week so this meant being self employed I lost money, I was then ill on and off and my mum starting helping out with the children and because of my mental health and everything I was going through tax credits were the last thing I thought about. I eventually had a nervous breakdown this year and I am now very ill with severe depression, anxiety, high blood pressure and not keeping food down and I have lost a stone in weight in just 4wks (im skinny anyway and now only weigh 7stone) so the drs are also investigating that as I am very thin and weak. I am under the mental health team now and domestic violence team who have all been advising and helping me and it was CAB that went through my finances and picked up on the Tax credits. Of course I want to pay it back as I never intentionally took it without knowing what was going to happen to me over the last 6mths.

So for the few of you that have sent some rather hard messages try walking in the shoes of a women who is on her own doing her best for 3young children, someone who has worked bloody hard all her life, has been abused by her husband who she loved and trusted and lost everything. I have never stolen in my life and I certainly would never steal from benefits!!! I am currently living on NO money apart from some help I get towards my rent (I still have to find £200 towards my rent as housing benefit dont cover it) and NO I dont live in a big flashy house I live in a little old terraced house which has one double and two box bedrooms and my two daughters are squeezed into a box room which fits nothing else in it but their beds, so I am not living elaborately! I get full council tax and child benefit and at the moment have received the last part of my child and working tax credits. CAB have applied for ESB for me as my dr has put me down as unfit for work until they can get me better, I have been given food packages to feed my children from the CAB so of course I am worried about the overpayment of tax credits I am just hoping they wont make an example of me and fine me and add interest on to it as I have heard so many horror stories.

Icequeen99

ragdoll24 wrote: »

Thank you all for your replies.

I am a bit dissapointed that some of you have been so hard on me. All my life I have worked fulll time and often doing a full time job and a part time job! Unfortunately everything went wrong when I was being physically and mentally abused by my husband, I had 3 children with him and 3yrs ago made the decision to leave him as his violence towards me was upsetting the children. Because my husband ran up debts I never knew about I also lost my home so had to go into rented accomodation with my children. This was the first time I ever had to claim benefits after 25yrs of working full time! Even in the time seperated from my husband he continued to abuse me mentally and financially, he broke into my house and stole things, cut my telephone line, slashed the tyres on my car etc etc. Mentally I started to go down hill with depression and last year was working self employed for a company who really abused my good nature, I was working around 40/50hrs a week for them which worked out at around £2 per hr but I was desperate to have a job I could work from home. However they started putting pressure on me to attend events and work from their office a few times a week hence me looking for childcare and claiming for childcare. After the first time I used the childcare provider, I was suffering depression and collapsed one night due to high blood pressure and cut my leg open and was in hospital for a couple of days and had to rest for a week so this meant being self employed I lost money, I was then ill on and off and my mum starting helping out with the children and because of my mental health and everything I was going through tax credits were the last thing I thought about. I eventually had a nervous breakdown this year and I am now very ill with severe depression, anxiety, high blood pressure and not keeping food down and I have lost a stone in weight in just 4wks (im skinny anyway and now only weigh 7stone) so the drs are also investigating that as I am very thin and weak. I am under the mental health team now and domestic violence team who have all been advising and helping me and it was CAB that went through my finances and picked up on the Tax credits. Of course I want to pay it back as I never intentionally took it without knowing what was going to happen to me over the last 6mths.

So for the few of you that have sent some rather hard messages try walking in the shoes of a women who is on her own doing her best for 3young children, someone who has worked bloody hard all her life, has been abused by her husband who she loved and trusted and lost everything. I have never stolen in my life and I certainly would never steal from benefits!!! I am currently living on NO money apart from some help I get towards my rent (I still have to find £200 towards my rent as housing benefit dont cover it) and NO I dont live in a big flashy house I live in a little old terraced house which has one double and two box bedrooms and my two daughters are squeezed into a box room which fits nothing else in it but their beds, so I am not living elaborately! I get full council tax and child benefit and at the moment have received the last part of my child and working tax credits. CAB have applied for ESB for me as my dr has put me down as unfit for work until they can get me better, I have been given food packages to feed my children from the CAB so of course I am worried about the overpayment of tax credits I am just hoping they wont make an example of me and fine me and add interest on to it as I have heard so many horror stories.

You shouldn't feel the need to explain yourself here, I am sorry you have been sent horrible messages. You should contact the moderators and report those people. There are some of us here who do genuinely want to help people.

There is a small chance you could be given a penalty, but it doesn't often happen.

I would suggest you ask CAB to help you dispute the overpayment on the grounds of exceptional circumstances (the reason you failed to meet your responsibilities) .If you can medical evidence to support it you will have a much better chance of sorting it out.

IQ

Poppie68

I myself struggle to understand how someone cannot notice money going into their bank frequently and not realise it needs dealing with and i have had a breakdown and suffered with severe depression for many years.


Removed the nice parts after sussing out the truth!!!

simbasheen

I think that you are very brave and am shocked and very disappointed at some of the previous posts. Stay strong and take any support that is offered to you from family and professionals. Negative posters should take note, if this was your daughter or sister or even mother, would you still be so critical :mad:

ragdoll24

Thank you for your supportive comments, I really appreciate it xx

Poppy re your comment: I myself struggle to understand how someone cannot notice money going into their bank frequently and not realise it needs dealing with

Because I struggled financially making ends meet even with the extra childcare payment added to the tax credits, I did not notice the extra payment because it was being used up in paying the bills as everytime I fell sick or had time off to look after my children if they were ill, being self employed I did not get paid so the extra payment in my tax credit did not really make any difference as the payments only covered a 1/3rd of childcare bills not the whole lot. With everything else going on in my life and struggling to put food on the table the tax credits did not even cross my mind or I would have rang a lot sooner to let them know the childcare was not working.

Poppie68

ragdoll24 wrote: »

Thank you for your supportive comments, I really appreciate it xx

Poppy re your comment: I myself struggle to understand how someone cannot notice money going into their bank frequently and not realise it needs dealing with

Because I struggled financially making ends meet even with the extra childcare payment added to the tax credits, I did not notice the extra payment because it was being used up in paying the bills as everytime I fell sick or had time off to look after my children if they were ill, being self employed I did not get paid so the extra payment in my tax credit did not really make any difference as the payments only covered a 1/3rd of childcare bills not the whole lot. With everything else going on in my life and struggling to put food on the table the tax credits did not even cross my mind or I would have rang a lot sooner to let them know the childcare was not working.

Again removed after reading your previous threads!

northerntwo1

I do not wish to offend you but treating you like an idiot when you are not would be just that.

firstly what do you mean by only paying 30% of the childcare

secondly, the amout would have been noticable, saying you didn't notice it doesn't help you, stating you have some form of incappacity does make sense, not noticing in this doesn't IYSWIM

thirdly, you would have had WTC, CTC, CB and your income, which is far higher than most have to deal with,

You also need to consider if you worked 30 hour and if not did you claim the element?

I'm not digging at you, I work with victims of DV and their healing process but pink and fluffy doesn't help either.

These are questions you will be asked, what happened to the money, did your income go down by the same amount, why did you not reaise?

You certainly do not need to answer this publically on a forum but you need to consider them if asked.

MissMoneypenny

ragdoll24 wrote: »

I have worked fulll time and often doing a full time job and a part time job! Unfortunately everything went wrong when I was being physically and mentally abused by my husband, I had 3 children with him and 3yrs ago made the decision to leave him as his violence towards me was upsetting the children.

A few months ago you said you were back with your husband. Has that changed?

ragdoll24 wrote: »

Thanks Caz, it was money which caused us to split up in the first place so I guess we will have to remain living apart and see each other weekends. Living together would mean we cant even pay household bills and will be left on the bread line. At least living apart we can both pay our normal bills and therefore not be put in a position where we are struggling to even pay our household bills and therefore that pressure will not be on us which is what caused the arguments in the first place.