Tax credit overpayment joint claim and credit rating.

spidermaaaan

I left my husband on 19/4/15 and so there was an overpayment of £580 on the joint claim. I paid my half of this which is all HMRC advised I needed to do. I have now got a letter demanding the other half as ex has not paid up. I phoned Debt Management and they said they would be passing the debt on to a debt management company, but this would NOT affect my credit rating. Is this correct, I am worried my credit score will be affected.

Darksparkle

Tax credits don't show on your credit report unless legal action was taken, ccj etc. However they rarely get to that stage as they have other options.

Icequeen99

spidermaaaan wrote: »

I left my husband on 19/4/15 and so there was an overpayment of £580 on the joint claim. I paid my half of this which is all HMRC advised I needed to do. I have now got a letter demanding the other half as ex has not paid up. I phoned Debt Management and they said they would be passing the debt on to a debt management company, but this would NOT affect my credit rating. Is this correct, I am worried my credit score will be affected.

They shouldn't be doing that. Although legally they can pursue you, it is against their published policy.

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/509048/COP26.pdf

You need to ring DMB back and point them to Page 15 which says 'you will not be asked to pay back more than half the overpayment'

IQ