Tax credits fraud.

KatrinaWaves

waffledog30 said:

But he obviously didn’t move in, the house is his. I moved in with him in 2016. 

well then you tell them when you changed address your omitted to tell them you have a partner now and wish to sort things out.

honesty is truly the best policy. I won’t try to scare you by telling you the things that will happen if they find out before you tell them, but believe me it’ll be much worse. You need to get ahead of this and tell them... 

yes this will be a large overpayment going back to 2016, but this is going to happen one way or another. One way you can control, the other you can’t.

waffledog30

Thank you. It will be roughly £20k 😩😩😩😩 I don’t know if I can carry on anymore. 

Why do they only want the 3 months info? 

What do I say to them when I ring? Or do I wait to see what they say? They want to ring on Wednesday but I’m at work, could I change the day? 

KatrinaWaves

waffledog30 said:

Thank you. It will be roughly £20k 😩😩😩😩 I don’t know if I can carry on anymore. 

Why do they only want the 3 months info? 

What do I say to them when I ring? Or do I wait to see what they say? They want to ring on Wednesday but I’m at work, could I change the day? 

Because something has tipped them off to the fraud to be honest. It’s not hard to see how, you’re living with a man in his house with no bills in your name. They may only be aware of those months now but it’ll be easy to see soon whats happened. 

Call them, mention the letter and then tell the truth. You moved in with a partner in 2016 and your mental health meant you didn’t tell them. The mental health isn’t gojng to change anything. If you truly cannot handle your money then really you should have an appointee to handle your money for you, but it may offer some explanation as to what happens, even tho it won’t change the situation or amount. 

The debt free wannabe board is great to help people with debts. Unfortunately debts obtained through fraud do not get written off with other debts if you went a bankruptcy/DRO route but they can def help with your other credit card/loan debts etc 

eveyrhign with money is solveable. It may not be easy or fun but it’s entirely possible. It’s certainly not worth doing anything rash over. It’s just money. 

poppy12345

waffledog30 said:

T

What do I say to them when I ring? Or do I wait to see what they say?

No, don't wait for them to ring you. You need to ring them ASAP and tell them exactly when you moved in with your partner. The overpayment will definitely need to be repaid back, regardless of your mental health issues.

John_

waffledog30 said:

Thank you. It will be roughly £20k 😩😩😩😩 I don’t know if I can carry on anymore. 

Why do they only want the 3 months info? 

What do I say to them when I ring? Or do I wait to see what they say? They want to ring on Wednesday but I’m at work, could I change the day? 

You answer their questions truthfully.
You’ve made several comments about feeling suicidal. If this is really the case, call Samaritans now, and your GP on Monday morning, there is help available, and taking your life is never the right decision when the issue is only money.
If, on the other hand, this is a ploy to gain sympathy, then stop it. You have committed a serious crime over an extended period of time, and now the pigeons have come home to roost. Face up to your responsibilities in an honest, adult fashion, and do now start lying, again, to try to wriggle out of what you did.

waffledog30

I appreciate the honest comments.
I do need someone to help with regards to money. I can’t be trusted with it. My partner trusted me with his credit card for emergencies and I maxed it out behind his back and he now has to pay it back. The allowance he gives me he thinks I only have and that I live on that. He has no idea about my debts as I hide the letters, eVen when a bailiff turned up and his dad had to pay it. 

I’m so scared. I actual can’t cope, I’m such a drain on my family. 

Do I ring them on Monday and just admit everything? Or do I wait for the interview? do I just be honest and say this is the date I moved in, all bills etc are in his name. Then what happens? They send me court? 

poppy12345

waffledog30 said:

Do I ring them on Monday and just admit everything? Or do I wait for the interview? do I just be honest and say this is the date I moved in, all bills etc are in his name. Then what happens? They send me court? 

As previously advised, you need to ring them on Monday and not wait until the interview. The sooner you tell them, the better it will be for you.

It doesn't matter if all bills are in his name, you were still claiming tax credits as a single person.

It's unlikely you'll go to court, providing you tell them exactly when you moved in with your partner. If you continue to lie then it will just get even worse because they will find out eventually.

waffledog30

Thank you, 

Iv just worked out for the first 2 years partner was earning £31k Before tax. Would we hAve been entitled to something? If so will it be less owed than I originally thought? Iv worked it

out that every penny Iv had will be paid back, so roughly £25k. 

I’m at work tomorrow until 4 so will ring them after.  So I just admit I moved in in 2016? 

poppy12345

You were claiming as a single person, which you shouldn't have been so you will need to repay back what you received. Yes, as has been advised quite a few times tell them exactly when you moved in with him. They will find out anyway, if you continue to lie. Then your situation will get even worse than it already is.

[Deleted User]

waffledog30 said:

Thank you, 

Iv just worked out for the first 2 years partner was earning £31k Before tax. Would we hAve been entitled to something? If so will it be less owed than I originally thought? Iv worked it

out that every penny Iv had will be paid back, so roughly £25k. 

I’m at work tomorrow until 4 so will ring them after.  So I just admit I moved in in 2016? 

 They won't deduct what you would have been entitled to because you didn't make a legitimate claim for that.