mrswee TBH I have no idea. I have shed tears frequently about Tax Credits.
shelly can you not say to them you cannot pay back at that rate? You hear of folk who have purposely defrauded the system for vast amounts who pay back at £5 a month.
I think they are bringing in a Universal Tax which will hopefully make things more straightforward.
This year they have stopped the infant element, but are not introducing the toddler element until next year, which means we lose out again.
I had a go on the Mumsnet Tax Calculator and it gave a very generous sum indeed. Very different to the HMRC one.
A little story.... Before DH and I started trying for DC1 I phoned up HMRC and they said that we would be entitled to up to 80% of childcare fees. When I was 7months pregnant I phoned again to ask how I applied, and they said 'sorry, you were given the wrong information. You are not entitled to a penny as DH is postgrad student'. I had a meltdown, saying 'what the f**k am I meant to do? I cannot send the baby back?'
I have only ever claimed for one year as DH went on to do (and quit),his PHD. We did not claim a penny until then as we were in a 'loophole' even though living under the poverty line.