Welcome to Tax Credit Casualties

Welcome to Tax Credit Casualties (TCC), founded in January 2005 in response to the shambles of Child Tax Credits, Working Tax Credits, and the overpayment bills blighting peoples lives. This website aims to bring all the issues and information you might need together in one place, in as logical and simple a way as possible.

(Site Last Updated on 23 November 2013)

Start Here!

If you're unsure about where to start, begin here and work your way down the page until you find the section that best fits your needs!

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Do You Need To Appeal Or Dispute?

First, if you're unsure whether you need to appeal or to dispute your Tax Credit overpayment, please read our article The Difference Between Appeals and Disputes.

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Does HMRC Say You're Not Single - When You Are?

If HMRC are investigating your single claim, or have already said they think you are part of a couple when you're not, please go here.

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Is Your Case Over 6 Years Old?

Tax Credit overpayments are subject the Limitation Act 1980, so if your case is over 6 years old please go here.

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Are HMRC Harassing You To Repay Your Tax Credit Overpayment?

If you are appealing or in dispute with HMRC about your Tax Credit overpayment, and they are harassing you for payment, read our article Being Harassed By HMRC For Repayment Of A Tax Credit Overpayment?.

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For All Other Overpayment Cases

You probably want the guide to disputing your Tax Credit overpayment, so please see 'How to Dispute an Overpayment'. If the answers to your questions are not in the guide, please see 'Contact Us' to contact me (Paula).

Please Read Before E-Mailing Tax Credit Casualties

It is currently taking me longer than usual to respond to e-mails, due to the recent huge rise in Tax Credit overpayment cases. It usually takes me about a week to respond, but it is becoming increasingly impossible to get through all e-mails in that time and so it may take me up to 14 days from now on.

I know most of you are very worried and looking for immediate advice. It can be frustrating knowing you've waited two weeks for a response from me when my reply turns out to be mainly questions, rather than answers or advice, because I don't know the basics of your case.

So here are some tips for quicker and more useful responses from me:

  • Try to be accurate in what you tell me. Use the terms that HMRC have used in their correspondence, as there is a big difference between an Appeal and a Dispute, or a Penalty and an Overpayment, for example.
  • Please tell me roughly how long you have already been disputing your Tax Credit overpayment, what HMRC have told you is the cause, anything you know about what led to the overpayment, and any other actions you have taken so far.
  • Unless it's been over two weeks since you sent it, please don't re-send e-mails that you haven't had an answer to yet. I respond to ALL e-mails. Please understand that there is only one person answering the e-mails and it's not my 'job' or a 'proper office'. Instead, I do this voluntarily around my daily job and my family. I have to fit in what I can, when I can!
  • Please don't ask for my advice if you also have another advisor, elsewhere, working on your behalf (unless you tell the other advisor to stop working on your case). Not only is that creating extra work for both advisors, it could confuse, and even harm, your case.

I know that Tax Credit overpayment is a complex and confusing mess, but the more information you give me to start with, the more useful and helpful my first response to you is going to be.

If you send me a 1-line e-mail saying "I have a Tax Credit overpayment, please help!", you are going to get back an e-mail with around 10 very obvious questions about two weeks later, rather than advice on any immediate action you can take.

This is because I can't recommend what course to take until I know the details of your situation. Conversely, you don't have to give me the entire history of the last few years, just anything relevant to what may have caused your Tax Credit overpayment.

Now, if you haven't already started, go to How to Dispute an Overpayment and find out how to dispute your Tax Credit overpayment!

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