To think she's being a right CF?

[itchybumhole]

A bit of background first, and I'll try my best to give all the relevant information, but as I don't know much about the workings of the system I'm unsure what I need to include.

My partner split with his wife 3 years ago after 13 years together and 7 years of marriage. They have an 11 year old child together. Their marriage ended very acrimoniously after a series of infidelities on her part.
When they separated he immediately moved out of the family home with just his personal belongings and stayed with his parents until he could find a rental place. Since leaving he has paid her child maintenance by private agreement on a weekly basis.

She has today received a letter from HRMC saying she needs to repay tens of thousands of pounds in overpaid tax credits. The tax credits were paid to her during the time that he had left the family home. (He's always worked full time. When he left she went on to benefits. She hasn't worked in 13 years apparently).
The notice says that if she claimed as a couple then both parties must repay, so she called him today and said he's liable for half. His answer was... but how can I be? I have receipts for rent paid to my own house. I didn't benefit from this overpayment so why should I pay half back?
We're both so confused. What does he do now? I've told him to call HRMC but he's still smarting from the phone call from his ex wife. We're these benefits claimed fraudulently? And is he liable to repay half as she insists?
Thank you for any help or advice.

How did he get on?

They will be after her for the last financial year. They threaten thousands in case the fraud runs deeper. She will know the year she is being investigated for because they would have asked for documents for that time frame.

As for him, I can actually understand. This was in those post-breakup months he applied for a car loan. If he had done this in the past year or so then yea that would have been a dickhead move. He has nothing to be guilty of or morally responsible for. Chances are, he did that address without thinking and that's why he is being vague about his reasons. Or because they hadn't been split that long he would still be down on the voters' list unlike at his parents, so he had more chance of getting credit there. Plus it was probably easier with the paperwork to put a long-standing address than also including a very short-term one.

I said he applied to a loan using their address where he no longer resided, so although he still owns it jointly with her it was HER address. I assumed it was a loan taken against the house.
Now it transpires it was unsecured. That's what I've said.

Op do not let your new DP sign anything the ex has written, every if it is 'truthful'. If the male/female situation was reversed only trolls would be suggesting he is responsible for half the money.

She applied for the tax credits, she spent the money. She is responsible for sorting out her own life.

He applied and failed to get a loan at an address that he was in and out of for almost a year. He has done nothing wrong.

If he was in anyway liable HMRC will come after him. She is a CF gold digger.

I was invesigated by hmrc when they cross referenced with dvla and my useless ex had not changed his car reg. I had to send them 14 sets of documents proving he was not living in my house.

DWP Benefit fraud investigator of 32 yrs standing . We prosecute tax credits on behalf of HMRC.

What has happened is fairly straightforward. The loan has showed up on a GMS check. As resident at that address. That's all that's happened. She has claimed as a single parent . They think he still lives there. Therefore they are investigating her for what they suspect is lying about her single status. At this time she was probably telling the truth .

None of it is his issue. He didn't make the claim and essentially didn't sign the declaration.

I am guessing she continued to claim as a single parent when bf moved in. THEN she committed fraud if she didn't notify of a change of circumstances.

Either way this is her problem and not your DPs.

He need to tell HMRC what happened. AND try and find some proof ideally from someone other then parents. (Neighbours who can vouch you were living there would be ideal)

That should sort it out for you. Ex may have bigger problems if they find out about bf.

Has anyone got an address I can use to take out a loan? Apparently i won’t be doing anything wrong if I do. OP will you offer yours?

For fucks sake he committed fraud and has landed his ex deep in the shit! An ex wife who, if he’s paying that amount of maintenance, has majority residency of HIS CHILD and he’s happy just to shrug his shoulders and leave her to clean up his mess?

What a prick.

*Smurf
*
If you've paid every single mortgage payment since my house was built, then yes you can apply for a loan using my address if you like. If you've lived here before you married me, and if I'd treated you like a pure cunt and slept with other men in our bed, then feel free. If I slung you out every month without fail, then begged you to come home every time my new fella dumped me, then yes you can. Feel free.

Has anyone got an address I can use to take out a loan?

And me! Could use a couple of grand.

Hahahaha and how many of us are painted as the ‘psycho ex’? It’s in the script!

Even if she did all that (and you’ve only got your boyfriends account - who isn’t very trustworthy by his own admissions) it still doesn’t justify what he did and how he’s dealing with it

I hope this comes back and takes a huge chunk out of his arse.

He knows nothing justifies what he did. He knows it's a dick move.

And actually it's not just his account. There's his daughter who talked to me about what happened at home and caused her to end up being allocated a social worker. There's his friends and family. There's her dad who says she's 'highly manipulative' and although he can 'never condone her behaviour she's still his daughter'.

Why do some of you think that all men follow a script? Not all men are douchebags. I'd hate to go through life being so suspicious of everyone.
I can't bring myself to say to him Sorry X. Although since the day we met you've been nothing but lovely to me and my children. You've behaved impeccably and made me really happy the last 10 months. But I'm now dumping you because you used the address of a house you own to get a cheap car.
I'd feel a right dick.

Wow you’ve really been been doing your digging haven’t you?

What reason would you ever have to talk to your boyfriends ex wife’s dad? And you really shouldn’t be encouraging her dd to slag her mum off.

You sound very young. Is he a lot older than you?

No ones telling you to ltb. But don’t say you weren’t warned when it all goes pear shaped and he starts conning you

When someone shows you who are they really are - believe them.

No, we're the same age. Around 40.

I think you sound really young actually. Constantly making assumptions without knowing the facts.

I don't talk to his father in law. He does, by text. I've seen some of the texts.

His daughter off loaded on me whilst we were on holiday. I didn't really respond, just listened and carried on making dinner.

I hope this comes back and takes a huge chunk out of his arse

Why are people so full of hate for ops DP, he hasn't cheated on his wife, he didn't spend the money. All the information we have so far is that the ex IS a psycho. Talk about double standards

The answer is quite simple - every so often HMRC run automated checks against various bits of data they hold. This is just a random exercise and often produces results that make Tax Credits 'query' things; and Housing Benefits, etc.

Because your DH took a loan out using the address of his previous relationship this flags an automatic investigation.

All that is needed is proof that your DP didn't live with his ex during the period that she claimed (truthfully) that he didn't.

Tax Credits do things like this - and it's quite scary when they do.

Why do some of you think that all men follow a script?

Not all men, just the ones that, er, follow the script. It gets easier to spot them the more you see it OP.

BTW I’m not telling you to leave the bastard, I’m telling you to listen to the bastard. Listen carefully. And trust your gut.

Don't have time to read the whole thread, so if this has already been posted, sorry.

The onus is on the ex-wife to tell HMRC of a change in her circumstances, i.e. husband moving out.

As she seems to have failed to do that, I think she'll find the problem is all hers.

tinyurl.com/ybgn3ywl (Citizens Advice)

But he didn't take out a loan. It was refused.

Don't have time to read the whole thread, so if this has already been posted, sorry.

The onus is on the ex-wife to tell HMRC of a change in her circumstances, i.e. husband moving out.

You should’ve taken the time to read the thread.

He applied for one you. Loan applications go on your credit file. Even if refused.

Jesus, I'm not sure why smurf is attacking you so viciously, but if need to assume someone not only pissed on her chips today, but had a crap as well.

I mean that was so uncalled for. I mean seriously he applied for a loan when he'd just left, using that address, loan was declined. It's hardly the crime of the century where some random should wish vengeance on him and calling him names,

How odd.

Why are people so full of hate for ops DP, he hasn't cheated on his wife, he didn't spend the money. All the information we have so far is that the ex IS a psycho. Talk about double standards

So says he. And if he doesn’t provide his ex with the evidence she needs (which he doesn’t have to do) them she’ll have to pay the money back, so he’s basically stealing off of her. She’s entitled to the money. He holds all the cards and op looks like she’s enjoying having this her of over his ex.

He caused all this to happen by applying for the loan.