When things hit rock bottom the only answer is to fight the way back up...

Toni'sfriend

I don't really understand tax credits. How do they calculate what you're due and how can they overpay you by such a big amount? Is it calculated every year? I've seen an awful lot of people from time to time saying they've been told they've been overpaid. It doesn't seem a very efficient system.

Hiddenidenity

I still don't understand how it works to be honest

I just knew we were expecting it as when he changed his job mid year his income nearly doubled (From PT min wage to full time at piece rate) So while at the beginning of the tax year his wages where low and we were entitled the income over the whole 12 months makes them first 5 months no longer entitled (I think!)

UncannyScot

Contest it and explain that your circumstances have changed etc. They may cut it down or wipe it out or chase him for it...

Toni'sfriend

I think I see but I don't understand that when the income increased why the tax credits weren't adjusted accordingly. I take the tax credits are paid to you and not to him?

abba1772

You're no liable for all of it because it's a joint claim you're both liable so I would phone tax credits and say you are taking responsibility for half of it set up a payment plan with them and the other half they will chase your ex for as I've been in that situation before xx

jwil

That's frustrating about the tax credits Good idea from Abba about letting them chase OH for half of it.

If they are just automatically taking them back from your current award, I wouldn't add it to your debt, I'd just adjust your SOA to account for the lower income.

I find audiobooks great at night for stopping all the 'thinking'. It gives me something to concentrate on and I just go back to sleep. You can get free ones online, or get a free trial for audible and just cancel. You can keep the free book.

Do you have any car boot sales or nearly new sales in your area? I get lots of my kiddies clothes from them.

moneymanager

Hidden sorry you day yesterday didn't turn out as planned but hope you are ok today.

Bloody tax credits!!! Can you not do what abba said about it being a joint thing?

Hiddenidenity

Thank you, I've been trying to call but I guess loads have the same problem, I'll try again later.

I can't find any carboot sales I do keep looking though! Would be perfect

Hiddenidenity

Not a NSD Damn

Water board have hit a pipe and have had to turn the water off! So £1 on 5 2 litre bottles of water.

They think it could be 24 hours before its back on :cool:

Cakes made and just cooling! The kids are dying to decorate them :rotfl:

Toni'sfriend

Last time that happened here the water board had to provide free bottles of drinking water. Ask and tell them that you have three little children.