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  • FIRST POST
    • harvey654321
    • By harvey654321 9th Mar 18, 10:46 AM
    • 4Posts
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    harvey654321
    help please re HMRC debt referral
    • #1
    • 9th Mar 18, 10:46 AM
    help please re HMRC debt referral 9th Mar 18 at 10:46 AM
    Hi all

    Could really use a bit of advice if anyone can help and thanks in advance!

    Basically did not cancel my receipt of child benefits (from my child born in 2010) after the rules changed (my partner is over the earnings threshold for receiving this benefit) and so HMRC contacted him to pay it back. They said we had to complete all sorts of forms and overdue tax returns and repay the money, in the midst of all this admin which went on for a few months they referred the debt to a collection agency. We paid the total debt promptly but has the referral itself to the agency caused a mark to go on the credit file? We are trying to buy a new house and are having some problems getting a mortgage despite having otherwise very good credit history and good wages. I am concerned that the debt referral has caused this rejection.
Page 1
    • zx81
    • By zx81 9th Mar 18, 10:48 AM
    • 16,789 Posts
    • 17,797 Thanks
    zx81
    • #2
    • 9th Mar 18, 10:48 AM
    • #2
    • 9th Mar 18, 10:48 AM
    You'll see whether they have reported it on your credit files by checking your files with the three CRAs.
    • harvey654321
    • By harvey654321 9th Mar 18, 11:09 AM
    • 4 Posts
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    harvey654321
    • #3
    • 9th Mar 18, 11:09 AM
    • #3
    • 9th Mar 18, 11:09 AM
    thanks for your help, would I do this collectively via a credit report such as Experian?
    • zx81
    • By zx81 9th Mar 18, 11:09 AM
    • 16,789 Posts
    • 17,797 Thanks
    zx81
    • #4
    • 9th Mar 18, 11:09 AM
    • #4
    • 9th Mar 18, 11:09 AM
    Via -

    MSE Credit Club (for Experian)
    Noddle (for Call Credit)
    Clearscore (for Equifax)
    • Tarambor
    • By Tarambor 9th Mar 18, 1:44 PM
    • 2,826 Posts
    • 2,042 Thanks
    Tarambor
    • #5
    • 9th Mar 18, 1:44 PM
    • #5
    • 9th Mar 18, 1:44 PM
    [QUOTE=harvey654321;73997471 We paid the total debt promptly but has the referral itself to the agency caused a mark to go on the credit file? [/QUOTE]

    No. HMRC debts don't get reported on credit records unless they result in civil court action like a CCJ or bankruptcy and a debt recovery agency would only report it if it was a loan they'd purchased which you defaulted on repaying with them or they applied and were granted a CCJ if you'd not paid.
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