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kernowchick08
Rank; Hector Tax Inspector


United Kingdom
31 Posts

Posted - 24/02/2010 :  16:10:37  Show Profile Send kernowchick08 a Private Message
Hi, really hope someone can help or at least calm me down a little!
I received a call from the Inland revenue this morning telling me that I had not paid an overpayment of Child Tax Credit. The amount is just under �1200. This is where it gets complicated (no surely not I hear you say!!?).
They wrote to me back in 2008 stating that I owed them this amount. I wrote back to them and said that I disagreed and would like proof because my husband and I had always kept them informed of any changes and returned our renewal packs promptly. They never replied or acknowledged my correspondence. All sent by recorded delivery. All of which I have copies of.
I heard nothing until today when they phoned me from some random number on my mobile. I initially refused to give out information today when they phoned me on this number, by the way, and chose to phone the main HMRC line. I have also recently received a letter in the post asking if there has been any changes in my circumstances and also a phone call asking for all my details, my childrens details and if anyone else lives with me!??
Anyway, in response to todays demand I have again sent a letter of official dispute. Enclosed all the previous letters, P60's, declarations of earnings and copies of award notices from that period. What else can I do? I'm terrified. I seperated from my husband in 2007 and we divorced earlier this year so obtaining information and paperwork from him is a little difficult for me!
I now recieve working and child tax credits in just my own name and have since May 2007.
I am in debt following my separation and divorce and I am six months into an IVA. My budget is so tight I can hardly breath and the stress and strain of all this is unbearable.
I look forward to hearing from anyone who can offer some help and advice. Many thanks

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Alan the Geordie
Admin



3032 Posts

Posted - 24/02/2010 :  21:16:51  Show Profile Send Alan the Geordie a Private Message
<< Anyway, in response to todays demand I have again sent a letter of official dispute. Enclosed all the previous letters, P60's, declarations of earnings and copies of award notices from that period. >>

All of which are very probably sitting unopened in a locked room awaiting its fate with the shredder.

I suggest you get the media onto this - it works.

You must be logged in to see this link.

"The best way to take control over a people and control them utterly is to take a little of their freedom at a time, to erode rights by a thousand tiny and almost imperceptible reductions.

In this way the people will not see those rights and freedoms being removed until past the point at which these changes cannot be reversed."

Adolf Hitler
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 25/02/2010 :  15:59:12  Show Profile Send splashin a Private Message
Hello kernowchick08

Ok, up to now you have done everything correctly. The overpayment I presume was from the joint claim and I think from what you have written you informed HMRC of your split from your Ex promptly and then applied for a single fresh claim. How long did it take for this fresh claim to be awarded? When the single fresh claim was awarded did you get a lump sum payment? Are there any missing days from the joint claim ending to the single claim awarding? For example joint claim ended 26/11/2007 single claim awarded 12/12/2007.

Please try not to stress too much with regards to repaying this overpayment back. If it is recoverable then it should be recovered 50-50 from you and the Ex. Also with such little excess income coming in to your household at present, the Debt Management Team will have to take this into account. They can't take any monies from the single claim currently in payment.



Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 25/02/2010 :  17:48:07  Show Profile Send kernowchick08 a Private Message
Thank you so much 'splashin' for your constructive advice.
I will sit down and look through all the paperwork again and look for any gaps as you suggest. I didn't receive any lump sum and don't think there was a significant period of time between the changeover to a single claim. My separation happened at about the same time as renewal was due! The discepency is in the Child Tax Credit element apparently.
Anyway, thank you again for your calming and informative advice. No doubt I'll post again soon when I need help with the next stage!
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 25/02/2010 :  18:27:39  Show Profile Send splashin a Private Message
Hi kernowchick08

If you can give me the dates from when you new claim started, with how many children, income details and any disabilities in household, I will be able to work out entitlement.

You never said if the overpayment was from joint claim, but I presume it is. What was the household income used for your joint claim in the year the overpayment occurred. If there is a discrepancy on the child elements then I do have reasons to tell you why this problem has occurred. By telling me as much info as you can I can then try to work out where the claim went wrong.



Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 25/02/2010 :  19:00:07  Show Profile Send kernowchick08 a Private Message
Hi splashin
Just off to work now - I do the twilight shift!
I will collate the information you ask for and post it on here tomorrow if that's ok?
Very many thanks once again for your help.
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 26/02/2010 :  11:36:22  Show Profile Send kernowchick08 a Private Message
Right splashin, here goes!

Firstly my new lone parent claim started in May 2007.
I have two children aged 10 and 12.
My income ( from P60's) is as follows
Year to 5th April 2005 - 5750
Year to 5th April 2006 - 5981
Year to 5th April 2007 - 6850
I have worked for the same employer for 10 years and remain on 16 hours.
Overpayment details
NOTICE TO PAY RECEIVED - 30TH JUNE 2008
OVERPAID CHILD TAX CREDIT - 499.44
FOR PERIOD ENDING 05/04/2006

NOTICE TO PAY RECEIVED - 29TH JULY 2008
OVERPAID CHILD TAX CREDIT - 575.48
FOR PERIOD ENDING 06/04/2007

NOTICE TO PAY RECEIVED - 05TH AUGUST 2008
OVERPAID CHILD TAX CREDIT - 78.36
FOR PERIOD ENDING 05/04/2007

INCOME DETAILS FROM AWARDS
Dated - 21st July 2004
FROM 06/04/2003 - 05/04/2004
Husband - 11376
Me - 5750
TOTAL - 17126

From 06/04/2005 - 05/04/2006
Dated - 1st July 2005
Husband - 11376
Me - 5750
TOTAL - 17126

Annual Declaration - Dated 30/05/2006
Husband - 14565
Me - 5981
TOTAL - 20546

I also have an Ammended Tax Credit award for 06/04/2006 - 05/04/2007
Dated 23rd October 2006
showing us with a joint income of 18931 for 2006/2007 and 20546 for 2005/2006
Also shows an overpayment from 'previous award' of 340.40. They state that they had collected 128.70 already with a balance of 211.70 still to be collected.

Then a Final Tax Credit Decision - letter dated 7th July 2008 for period 06/04/2006 - 05/04/2007 with an income figure showing as 20546 and also an overpayment of 78.36

I hope you can make some sort of sense of all this, as I, cannot.
I hope I have provided you with enough information to untangle this mess?
I understand that if I do have to repay anything I will only be liable for 50%. I read somewhere on one of these forums that you can actually pay it back over three years and that you do not have to provide them with an income/expenditure breakdown if you can pay it back in this time frame?
The figures for my husband are from the award notices. I do not have copies of his P60's. We are divorced.
Anyway, again, thank you.
Look forward to hearing from you
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 26/02/2010 :  13:55:38  Show Profile Send splashin a Private Message
quote:
Originally posted by kernowchick08

Right splashin, here goes!

Firstly my new lone parent claim started in May 2007.
I have two children aged 10 and 12.
My income ( from P60's) is as follows
Year to 5th April 2005 - 5750
Year to 5th April 2006 - 5981
Year to 5th April 2007 - 6850
I have worked for the same employer for 10 years and remain on 16 hours.

quote:
[i]Overpayment details
NOTICE TO PAY RECEIVED - 30TH JUNE 2008
OVERPAID CHILD TAX CREDIT - 499.44
FOR PERIOD ENDING 05/04/2006

I work out a award total of 3925.00 CTC based on 17126 income
quote:
[i]NOTICE TO PAY RECEIVED - 29TH JULY 2008
OVERPAID CHILD TAX CREDIT - 575.48
FOR PERIOD ENDING 06/04/2007

Take a look at the period ending date above it says for period ending 06/04/2007. This is the start of a new tax year, please confirm this is correct and not a mistype.
quote:
[i]NOTICE TO PAY RECEIVED - 05TH AUGUST 2008
OVERPAID CHILD TAX CREDIT - 78.36
FOR PERIOD ENDING 05/04/2007

Take a look again at the period ending date this is the same tax year as above does this mean there are 2 overpayment's for this tax year.
quote:
[i][INCOME DETAILS FROM AWARDS
Dated - 21st July 2004
FROM 06/04/2003 - 05/04/2004
Husband - 11376
Me - 5750
TOTAL- 17126


What happened to 2004-2005 Income details???

quote:
[i][From 06/04/2005 - 05/04/2006
Dated - 1st July 2005
Husband - 11376
Me - 5750
TOTAL - 17126

Same income used as previous year, this tells me errors were created during declaration period to effect income.
quote:
[i]
Annual Declaration - Dated 30/05/2006
Husband - 14565
Me - 5981
TOTAL - 20546

This annual declaration will be for 2005-2006 and based on this income your award would have been 1469.68 CTC which is 2455.32 less than previously awarded, How come recovery of overpayment amounts to 499.44
quote:
[i]I also have an Amended Tax Credit award for 06/04/2006 - 05/04/2007 Dated 23rd October 2006 showing us with a joint income of 18931 for 2006/2007 and 20546 for 2005/2006

HMRC haven't got a clue what is actually happening, so how are you supposed to?? Find out what amounts were awarded for each tax year and cross check them with my calculations. If they are different please let me know.
quote:
[i]Also shows an overpayment from 'previous award' of 340.40. They state that they had collected 128.70 already with a balance of 211.70 still to be collected.
Then a Final Tax Credit Decision - letter dated 7th July 2008 for period 06/04/2006 - 05/04/2007 with an income figure showing as 20546 and also an overpayment of 78.36
I understand that if I do have to repay anything I will only be liable for 50%. I read somewhere on one of these forums that you can actually pay it back over three years and that you do not have to provide them with an income/expenditure breakdown if you can pay it back in this time frame?
The figures for my husband are from the award notices. I do not have copies of his P60's. We are divorced.
Anyway, again, thank you.
Look forward to hearing from you



Hi kernowchick08

Thanks for that information, regarding your Income details. I would like to point out to you a few errors which have flagged up.
You give me income amounts as stated by HMRC on each of the award notices. Where is the award notice details for 2004-2005? You can see that there have clearly been system errors on your claim due to the same income being applied to your details on 2 different tax years 2003-2004 & 2005-2006. When it is clear from your increase in your own salary this amount can not be right.
The amount you were awarded by HMRC for each tax year do they mirror these figures below?
From 03-04 Based on Income 17,126 your entitlement would have been 2615.58 CTC
From 05-06 Based on Income 17,126 your entitlement would have been 3335.58 CTC
If the claim was finalized on the 20,546 income then entitlement would have been 2070.18 CTC means you would be overpaid 1265.40 not 499.44 as showing on Notice to Pay.
From 06-07 Based on income 18,931 your entitlement would have been 2307.88 CTC
If the claim was finalized on 20,546 income then entitlement would have been 1710.33 CTC meaning an overpayment of 597.55 so how come there are 2 Notices to Pay totaling 654.84.

Hope this is not too confusing .



Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 27/02/2010 :  18:22:11  Show Profile Send kernowchick08 a Private Message
Hi splashin
Firstly, I just wanted to say a huge thank you for the time you have already spent on trying to help me with this query. I cannot tell you how much I appreciate the fact that there is someone out there 'on my side'.
So now I will try and clarify the points that you have flagged up. Please, please bear with me. I am finding this all very confusing and I am not in the slightest mathamatical - unlike you who seems to be a very efficient 'human calculator'!
Yes, all the details and dates that I gave you previously ref the Notices To Pay are correct and there are two for the period ending 2007. This is the year I seperated from my husband and began a 'solo' claim on 04/05/2007. Could that be one of the problems?
Now I will quote the info that I have on the award notices here in front of me -

Our award from 06/04/2003 to 05/04/2004 based on the summary given on the form
Child Tax Credits due - 2524.41
Annual income for tax credit purposes - 17388.00
Husband - 11154.00
Me - 6234.00

Our award from 06/04/2004 to 05/04/2005

CTC - 3005.10
Annual income used was - 17388.00
Husband - 11298.00
Me - 6090.00

Our award for 06/04/05 to 05/04/06

CTC - 3405.79
Annual Income used was - 17126.00
Husband - 11376.00
Me - 5750.00
(This was dated 1st July 2005)

Then I have a copy of declaration we completed and the signitures are dated as 30.05.2006
The declaration is for 06/04/2005 to 05/04/2006
Here we have our income as
Husband - 14565.00
Me - 5981.00

So - then we have an 'Ammended Tax Credit' awards for 06/04/2006 - 05/04/2007
CTC - 2997.01
'Amounts still to be paid to you - 2213.58'
It also shows our income for the year 06/04/06 - 05/04/07
Husband - 12950.00
Me - 5981.00
Total - 18931.00

Then it says - Income for the year 6 April 2005 - 5th April 2006
20546.00

We then have a 'Final Tax Credit Decision for 06/04/2006 - 05/04/2007
CTC - 2719.88
'Your income for 6 April 2006 - 5 April 2007'
Husband - 12950
Me - 6730
Total - 19680.00

Our income for 05/06 as 20546.00
In Part 3 it says
Amount to be paid
CTC - 2719.88
Minus

Payments already made by them - 2669.54
Amount of overpayment from earlier years already collected - 128.70
Amount due from me - 78.36

Sorry it's so long winded, but I just wanted to give you as much info as possible. How I wish you were here in the same room as me to look through all reams of paperwork and fit the puzzle together for me! I don't know how you fathom all this out, but I am so very grateful to have found this site.
Thanks again
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Alan the Geordie
Admin



3032 Posts

Posted - 27/02/2010 :  18:36:33  Show Profile Send Alan the Geordie a Private Message
<< How I wish you were here in the same room as me to look through all reams of paperwork and fit the puzzle together for me! >>


Aye, how I wish Splashin was here in the same room as me to help me through this crate of Newcassell Broon Ale.

"The best way to take control over a people and control them utterly is to take a little of their freedom at a time, to erode rights by a thousand tiny and almost imperceptible reductions.

In this way the people will not see those rights and freedoms being removed until past the point at which these changes cannot be reversed."

Adolf Hitler
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 01/03/2010 :  22:47:08  Show Profile Send kernowchick08 a Private Message
Hi
Is there anyone who - given all the figures that I posted here on 27/02/2010 - can tell me where and how my overpayment occured?
I am still unable to make any sense of it and just wanted to know if it was worth disputing or not. Or is it just a case of 'pay up and shut up'?
Thank you
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 02/03/2010 :  01:17:09  Show Profile Send splashin a Private Message
Hi Kernowchick
Sorry for the delay, I have been enjoying my birthday this weekend. I have had a look at the details you have posted previously and also on 27/02/10. There are a number of discrepancies which bother me. The incomes you quote from the award notices and then the incomes quoted from the summary given on the form differ greatly. Please see below my reply to your last post.

quote:
Originally posted by kernowchick08

Hi splashin
Firstly, I just wanted to say a huge thank you for the time you have already spent on trying to help me with this query. I cannot tell you how much I appreciate the fact that there is someone out there 'on my side'.
So now I will try and clarify the points that you have flagged up. Please, please bear with me. I am finding this all very confusing and I am not in the slightest mathematical - unlike you who seems to be a very efficient 'human calculator'!
Yes, all the details and dates that I gave you previously ref the Notices To Pay are correct and there are two for the period ending 2007. This is the year I separated from my husband and began a 'solo' claim on 04/05/2007. Could that be one of the problems?
Now I will quote the info that I have on the award notices here in front of me -

Our award from 06/04/2003 to 05/04/2004 based on the summary given on the form
Child Tax Credits due - 2524.41
Annual income for tax credit purposes - 17388.00
Husband - 11154.00
Me - 6234.00

Based on this income your award notice should be 1896.54 CTC
You have not given me your earlier income details for you, you only gave 05-06-07 tax years. So is this amount HMRC give for you the correct figure for the 03-04 year?

quote:
Our award from 06/04/2004 to 05/04/2005
CTC - 3005.10
Annual income used was - 17388.00
Husband - 11298.00
Me - 6090.00

Based on this income your award notice should be 2349.04 CTC
You state you P60 details for this year were 5750. So where does the 6090 amount come from?
I think it is very unusual to have the exact same total income as the previous tax year.

quote:
Our award for 06/04/05 to 05/04/06
CTC - 3405.79
Annual Income used was - 17126.00
Husband - 11376.00
Me - 5750.00
(This was dated 1st July 2005)

Based on this income your award notice should be 2735.08 CTC
This is a provisional award which is sent after the declaration is completed for the year before, the income is to be checked by claimant to see if correct. The next record you have showing an update on this income is from your declaration dated 30-05-2006. That is 334 days after this award was issued

quote:
Then I have a copy of declaration we completed and the signatures are dated as 30.05.2006
The declaration is for 06/04/2005 to 05/04/2006
Here we have our income as
Husband - 14565.00
Me - 5981.00
Total - 20546.00
So - then we have an 'Amended Tax Credit' awards for 06/04/2006 - 05/04/2007
CTC - 2997.01
'Amounts still to be paid to you - 2213.58'
It also shows our income for the year 06/04/06 - 05/04/07
Husband - 12950.00
Me - 5981.00
Total - 18931.00

Based on this income your award notice should be 2307.88 CTC

quote:
Then it says - Income for the year 6 April 2005 - 5th April 2006
20546.00
We then have a 'Final Tax Credit Decision for 06/04/2006 - 05/04/2007
CTC - 2719.88
'Your income for 6 April 2006 - 5 April 2007'
Husband - 12950
Me - 6730
Total - 19680.00

Based on this income your award notice should be 2030.75 CTC

quote:
Our income for 05/06 as 20546.00
In Part 3 it says
Amount to be paid
CTC - 2719.88
Minus
Payments already made by them - 2669.54
Amount of overpayment from earlier years already collected - 128.70
Amount due from me - 78.36

Sorry it's so long winded, but I just wanted to give you as much info as possible. How I wish you were here in the same room as me to look through all reams of paperwork and fit the puzzle together for me! I don't know how you fathom all this out, but I am so very grateful to have found this site.
Thanks again




With regards to the 2 x Notice's to Pay for year ending 2007 and does your change of circumstance cause this. I am puzzled to why this has happened. What date does joint claim actually end? If it processed by HMRC correctly then the joint claim should run up to the day before you single claim started. So the joint claim ran for a period of 29 days into the 07-08 tax year. Is this correct?

It seems that there are computer errors with your claim, from the many different incomes they quote. Have you got your SAR paperwork and call recordings from HMRC?



Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 02/03/2010 :  08:34:10  Show Profile Send kernowchick08 a Private Message
Thank you splashin.

I don't have any earlier paperwork than already stated.
Last week I posted a request for a SAR using the template on this site. However, I did request a full explanation and break down of the information that they have in 2008, when this overpayment first came to light. I heard nothing until last week when I had the phone call from the recovery department.
I guess I will just now have to wait and see if they respond - not holding my breath though.
Thanks again for your time splashin, and I wish you a belated 'happy birthday'!
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Alan the Geordie
Admin



3032 Posts

Posted - 02/03/2010 :  14:23:06  Show Profile Send Alan the Geordie a Private Message
Hi Splash

Sorry I forgot yer birthday - again - It must be nice to be 21 !!

It's my Birthday tomorrow (3rd March) so if ye fancy sharin' a bottle o' Broon with is, howay over

"The best way to take control over a people and control them utterly is to take a little of their freedom at a time, to erode rights by a thousand tiny and almost imperceptible reductions.

In this way the people will not see those rights and freedoms being removed until past the point at which these changes cannot be reversed."

Adolf Hitler
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 02/03/2010 :  21:00:20  Show Profile Send splashin a Private Message
Well Hello Alan

LOL !!
So you are a March Bunny aswell !!!!!

Well I wish you the Best Birthday Ever !!!

To a special man who speaks special words !!!

LOVE YOU AL XXXX


Splashin
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Alan the Geordie
Admin



3032 Posts

Posted - 03/03/2010 :  01:23:39  Show Profile Send Alan the Geordie a Private Message
quote:
Originally posted by splashin

Well Hello Alan

LOL !!
So you are a March Bunny aswell !!!!!

Well I wish you the Best Birthday Ever !!!

To a special man who speaks special words !!!

LOVE YOU AL XXXX


Splashin



Aye, special words like "Broon Ale", Proggy Mats", "Dottles", "Liggies" ... whey aye Bonny Lass - the list is endless!!

I luv ye too pet

"The best way to take control over a people and control them utterly is to take a little of their freedom at a time, to erode rights by a thousand tiny and almost imperceptible reductions.

In this way the people will not see those rights and freedoms being removed until past the point at which these changes cannot be reversed."

Adolf Hitler
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 03/03/2010 :  20:40:56  Show Profile Send splashin a Private Message
quote:
Originally posted by kernowchick08

Thank you splashin.

I don't have any earlier paperwork than already stated.
Last week I posted a request for a SAR using the template on this site. However, I did request a full explanation and break down of the information that they have in 2008, when this overpayment first came to light. I heard nothing until last week when I had the phone call from the recovery department.
I guess I will just now have to wait and see if they respond - not holding my breath though.
Thanks again for your time splashin, and I wish you a belated 'happy birthday'!




Hi Kernowchick

You need to send HMRC a TC846 to start the dispute procedure. Just state you have new findings to back up your claim of dispute and are awaiting for your SAR records to come to be used as evidence. This will suspend any pending recovery of the money by HMRC on a temp basis while you gather your case file together.
Thanks for the birthday greetings x
Keep us updated !!!


Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 03/03/2010 :  23:22:29  Show Profile Send kernowchick08 a Private Message
Hello again splashin
Today I spent an hour with a tax credit advisor at my local CAB.
She phoned the TCO and asked them to confirm that they had received my letters last week and my SAR request. They informed her that they had and that they were investigating. The recovery of payment has, indeed, been put on hold. The TCO did waffle about the fact that it was the claiments responsibility to prove otherwise and to pay up!
The CAB just told them to, at the very least, acknowledge in writing that I have stated that I dispute the overpayment and have requested my SAR. Now we will wait.....and wait.....and wait - probably!! She also advised that I do not yet tell them that I am in an IVA - but to withold this information until a later date if needed. There may be a possibility of using the 'hardship' legislation regarding paying back an overpayment?
My CAB were unaware of this site and were grateful that I had bought it to their attention. They were very impressed with the all the help, input and advice I have been receiving from you! They were intending to check it out for themselves.
Anyway, I'll keep you posted as and when I have any news.
Thanks again
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 18/03/2010 :  14:55:22  Show Profile Send kernowchick08 a Private Message
Hello again
I have just received my data from the TCO. Needless to say, I can't make 'head nor tail of it'!! So hoping someone - hi Splash! - can tell me what I should do next.
Firstly, do I need to acknowledge receipt of all the data to ensure that the process of debt recovery remains on hold for the time being?It's all paperwork - no CD's.
Right - what am I looking for exactly? In amongst all the repetitive pages are the 'screen snaphots', that I've seen you say before on this forum Splash, hold the most info.
I have had a very quick scan through and sometimes, during the joint claim period, my ex and I seem to switch Applicant numbers.
Also there are things like:
12-10-06
'out of payment referral sent to TCO payments falling from schedule'.
12-10-06
'oop referal on GRP 13 awaiting action 13/7 JA
20-10-06
'ref bf'd for 4 days bank details changed to try and kick start claim 1303 JJ
Also there are AP" Accounting Correction 'events' dated 24-10-06

One enrty, 03-12-2009 says
'contact made due to 'health check' - NO COC

Like many others on here, I don't know what any of this means or what I am trying to check in all honesty, so any help, would, as always be much appreceiated.
Thanks
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splashin
Rank; Really should become a politician



Belize
730 Posts

Posted - 19/03/2010 :  23:50:00  Show Profile Send splashin a Private Message
Hi Kernowchick

Promise to reply in full tomorrow.



Splashin
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kernowchick08
Rank; Hector Tax Inspector



United Kingdom
31 Posts

Posted - 20/03/2010 :  00:03:38  Show Profile Send kernowchick08 a Private Message
Thanks Splash - feeling really overwhelmed with it all - so your help/advice will be much appreciated, as always.


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