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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

To be worried about how much I receive in tax credits

106 replies

Mmmmbrekkie · 09/03/2019 08:15

Single mum
Two primary children
I work part time (24 hours a week)
Salary £40k a year (pro rata £24k)
£91 a week spent on childcare

Please see attached for what I receive in tax credit. I have been receiving this ever since I returned to work.

It seems very high.

I am saving a good proportion of it as worried I will be required to pay back.

Is this in line with what others receive?

I have rung hmrc and they have confirmed all my details and confirmed I am receiving the correct amount

I just can’t shake feeling that it’s too much

To be worried about how much I receive in tax credits

OP posts:

Ivalueloyaltyaboveallelse · 09/03/2019 08:44

Opps ment one child is disabled*

blackteasplease · 09/03/2019 08:44

I can't understand why they think it's ok to pay people money and then claw it all back.

Chocolatecoffeeaddict · 09/03/2019 08:46

I have 4 children and receive an element for a disabled child, my husband earns 22k and we get £700 in child tax credits a month, no working tax. Yours definitley isn't right.

Livedandlearned · 09/03/2019 08:50

Definitely wrong as you shouldn't be getting wtc.

TriciaH87 · 09/03/2019 08:52

I suggest you do what your doing for now based on other posts. The financial year is almost over so you will receive your renewal pack in next few months. Once you have completed that you will find out if correct and if so have some savings to treat you and children. If not you have the money to pay it back or most. Its possibly because they cover 70% of your childcare but in past i had a year we had to pay back about 1800. Left us struggling the next year.

Livedandlearned · 09/03/2019 08:52

Though are you doing under 16 hpurs, that's the cut off point.

When i was a single parent earning mw HMRC topped my ctc and wtc to £21,000 a year, that's with three dc. It was more or less correct.

Missingstreetlife · 09/03/2019 08:55

Fucking government incompetence makes you sick

SleepingBooty · 09/03/2019 08:55

It took us 3 years to pay back the £4k overpayment from TC.

SouthernComforts · 09/03/2019 08:56

Is that picture taken from your personal tax account? I log on there and update my salary with any changes as they happen, and my tax credits are adjusted in real time, so I'm never being paid on last year's salary and so far I haven't been overpaid (touch wood).

Danni91 · 09/03/2019 08:57

I wouldn't have thought you would be entitled at all. We have 2 kids and haven't ever been entitled to tax credits.. partner on 35k a year ish and me part time wage.

toomanykidsnotenoughme · 09/03/2019 09:01

@Danni91 your combined salaries are going to be significantly higher than the OP's 24k, though, aren't they?
OP I don't have personal expertise of this, but are there any independent advisors you can go to to give you advice and reassurance? What happens when you put your details in the .Gov calculator?

TheGlaikitRambler · 09/03/2019 09:02

I don't understand how you are entitled to WTC?

SaucyJack · 09/03/2019 09:02

I think there’s a maximum they’ll pay per child that’s something around £60 a week (don’t quote me on this), so yes- that seems very high for two children.

reallybadidea · 09/03/2019 09:03

The trouble is that they work out your entitlement based on your previous year's salary until you renew your claim. So if you weren't working last year they may have your income down as nothing, then come renewal when they work out that you've actually been paid (funnily enough) they recalculate and realise that they've overpaid. It's a fucking stupid system. I would go onto the child tax calculator and work out what you should be getting and save the rest so that you've got it handy.

Littlebluebird123 · 09/03/2019 09:04

I did a quick guesstimate on turn2us calculator.
It says 98 a week for child tax and no working tax credit. I presume they are basing it on last year.

It seems ridiculous that even after giving all the information that you will end up with a huge bill! I presume whoever you've spoken to is just a bod in the call centre who just looks at the figures and repeats.

I have to resubmit my forms every year as we donate a fair amount to charity and it can be discounted from your income. I have found that 9/10 I understood the system and what to do better than the person 'helping' me with my enquiries.

Namechangedbecauseiwantto · 09/03/2019 09:05

Also, they can reclaim it several years later, so hold onto the savings. I recently got a letter about my overpayment from 2015. I called them and went through Income and expenditure with them, the man I spoke to was lovely, and they suspended what I owe them as I have nothing spare. I have to call if my circs change.

Margot33 · 09/03/2019 09:06

This happened to me too. I queried it with them a few times. They assured me it was correct. A year later I got a bill demanding half of it back!! Awful.

Jackyjill6 · 09/03/2019 09:09

I stopped claiming it in the end as I spent a year paying back what they'd overpaid me, and I decided the hassle was more stress than it was worth.

flumposie · 09/03/2019 09:13

I stopped claiming from them 4 years ago. They wrote 2 me saying they thought they had over paid me and basically accusing me of fraud. It caused me so much stress and illness. I jumped through their hoops and never heard any more from them . No apology. I would rather do without the money than deal with them again. Nightmare

megletthesecond · 09/03/2019 09:13

I don't know.
£24k as a lone parent and £91 a week on childcare. It might be right actually. Put some aside and leave it until your review.

WFTisgoingoninmyhead · 09/03/2019 09:14

Make sure you do save money and don’t get fooled into thinking after 4 years you can spend it all on new carpets for your whole house as 2 years after you have spent it they will probably ask for it back!!
I even had a recording of them saying it was correct as I was so sure it was wrong and I still had to pay back £7k
This was 7 years ago and I offered them £25 a month payback as I was so cross. Still paying it back now.

sobeyondthehills · 09/03/2019 09:17

Just be careful on spending any of it, I have heard they are trying to claim from 7 years ago

x2boys · 09/03/2019 09:18

I don't think that's right m th earns just over minimum wage he gets a bit of working tax credit about £10 a week depending last ears earnings and we get less child tax credit and we have a disabled child who gets DLA

Blahdeblahbahhhhh · 09/03/2019 09:19

It looks too much.
If you are worried send a letter with your details by recorded delivery. State in bold “If I do not hear in writing from you differently within 10 working days you will assume it is correct and will not pay any back caused by their error.

I won on appeal when I sent this. I refuse to pay for someone else’s mistakes when I have taken every possible step to be paid the correct amount. They have to be held accountable.

INeedNewShoes · 09/03/2019 09:26

It looks too much to me.

I'm a single mother with one toddler. I'm self employed and earn roughly £15k. I pay £350pcm childcare.

I receive approx. £500 pcm tax credits.

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