Bl*dy tax credits quick question

[lunavix]

Just did annual review for last year and they've given us a small lump sum based on our income being slightly lower last year then predicted.

However they've adjusted this years (Apr 05 - 06) to that as well, and given us another lump sum, plus doubled our monthly payments. However, the figure was inaccurate, as I TOLD the man on the phone, and he said he wouldn't change it till I could find a stupid reference number.

My concern is it evened out our overdraft nicely and I'm worried they're going to charge us it back! Will they just take it out of payments instead?

Message withdrawn

I was overpaid £79 last year (not much i know) but they just reduced payments - howver as this was their error I have appealed you can do the same.

They will first, usually, demand a lump sum back. If you inform them that this is a hardship, however, they will reduce payments. Most of the time.

Best thing to do is whack the excess in a high interest savings account. If they ask for it back, you don't have to give them the interest you gained.