A letter from HMRC or concentrix part 8

[Morgani97]

Have you received a letter from HMRC or Concentrix? This is part 8 now. Have you had the dreaded letter demandeing evidence you live alone? Hopefully we can support each other and try and make sense of it all.

Hi, yes I understand it makes you feel you cant be bothered to claim them. I think thats the aim of all of this; to put people off as it seems they are sending an awful lot of letters out every year.

Of course, its easy for me to say dont stress and stay calm but just keep reminding yourself that you havent done anything wrong! That you were just literally being helpful to someone. He has expensive tastes though doesn't he?? Of course, i don't know you or him but I would reign in putting so much on cards for him and helping him out with his bills being sent places and so no. He could just decide to ignore you tomorrow and then where would you be? Has he said anything about the whole situation or have you not told him? I would be careful not to tell any friends just in case they decide to use this against you at any point. How did the person seem when you spoke to them on the phone? And do you have any close family you can speak to about this?

Have got a majority of my things together now just waiting for bank statements went up to speak to my uncle and get things off my chest he's self employed and is very clever so he said he would go through bank statements with me try give me peace of mind..just such a horrible thing for all these people to go through..have not used my credit cards this year apart from my personal use had an emergency dentist appointment at £200!! That went on their lol but no defo not trying to clear them all and get my money back so I don't have to pay out so much a month on credit cards such a pain..he does know and genuinely feels awful! He didn't realise this would happen:.well neither did I do just a massive lesson learnt here!

beat this then, I just got my compliance letter from this company as they feel I am being paid incorrectly for my childcare part of tax credits.

It would help if I actually claimed childcare help, I get basic tax credits and childcare has nothing to do with it. So this letter has a childcare payment of 0.00 paid to a childminder monthly. Thats actually correct as I do infact pay a whopping 0.00 monthly.

what a waste of my time, and theirs. How the hell can I be being paid incorrectly.

What utter fuckwits

Hi. My ex has had "the letter" today saying that they have reason to believe another adult lives with her. All because I looked at some loans and put down her address (as there isn't bad credit registered there).
Now she does live with her dad and my daughter but it has definitely been because i have had a soft search done there.
Nothing else of mine goes to her address. My bank statements, work letters etc all go to my address that I live at with my parents.
However my ex did take a loan out and a credit card etc which I send her money every month for as she can't meet the repayments as she's a student. I also send her money for my daughter as and when she needs things. Is the fact that I help her out going to an issue?

Reubidooby..don't see how they could stop her credits simply because you are paying maintenance fees for your daughter..its an agreed arrangement between you both and they shouldn't be even taking this into consideration..tell her try not worry hard as it is it's such a horrible thing to go through. you don't have joint bank accounts or anything? If your names not on anything at hers and it's simply you contribute towards your daughters welfare there just at it!! Tell your ex to send them all they've asked for and fingers crossed for her but she hasn't done anything wrong and should be okay 😊

Thank you for replying. Well that's what I said. We don't have any joint accounts or anything we are separate, I just send her money a month for my daughter and to make sure she can make her payments. Then when she qualifies (that's another point she's worried it might stop her career) in September she will be able to make the payments herself.
Also I have another daughter i pay through csa for and instead of making a late payment when i lost my card last weem she let me pay off her card I just had to send her the money. But she thinks she's going to be penalised because we still get on. What do you think?

Hi everyone I am new around here :) Anyway the reason I found this group is because I, too, received this letter from Concentrix, and putting it mildly, I had a panic attack over it. Took me a while to calm down. The reason I was so panicked is because no one lives with me, but the letter says they have information that an adult 'may' be living with me. I also panicked because the long list of things they have asked me to send I don't have which is the legal separation docs.

I visited my local CAB, still heavily worried, and the lady kept telling me to calm down and to let her read the letter thoroughly. I told her I don't have anyone living at my address and have been alone for five years with my children. I basically said they are accusing me of having someone live with me which is simply not the case at ALL.

Anyway, she gave me some very good advice, helped me write a letter to them. She also said they are not accusing me - they are simply on a fishing expedition to catch those out who are LAHAW.

I know it sounds silly but I asked if they can force me to pay for a legal separation - she said absolutely not ( it costs a lot of money) and also they cannot make me class as a couple of LAHAW if I am not.

She gave me some examples like someone may be using my address to make a claim for a benefit, or making multiple claims, or it could just be that HMRC have made an error (and they do make errors). They will look through the entries on your bank statements to see if you have money coming in from a partner or tied finances, and you should be prepared in case they challenge you on them. I think I saw someone on here that they were worried Concentric would turn up and do a home visit. If you look at WC7 no where does it state they will do that. If you invite them in and volunteer information then that is up to you. There are some things they cannot ask you but as I say if you volunteer it they will write it down. Make sure you are aware of this.

So, although she helped me a great deal, and tried to put my mind at rest I am still worried because I have no idea what information they say they have - it could be anything. If Concentrix at least told me what so called information they have at least I could defend myself.

Secondly, my other worry is them asking me for his bank statements. I don't know if it has happened to anyone else, but I will write back to them and say number 1 he is not their customer and number 2, they have his address, write to him asking him (he is on the electoral role for his home) for his rent agreement and bank details. He will most likely say no to them as he is not connected to me or them in any way. And if they were to stop my claim for some silly reason I will head straight back into CAB who said they will stand as my advocate and talk to concentric on my behalf.

I sent back my renewal and I had a text today saying they will give me a decision in 8 weeks.

She also said don't sent them any more than you need to. They are just fishing, and they get 'paid' for those that they find or hold their hands up.

If you are worried go to you local CAB and get their advice on board.

I also meant to add that my CAB advisor said not to ring them (in my case) and just send in what they've asked, not to add extra little bits of paperwork which I was tempted to ! You have to remember your call is recorded and they may attempt to trip you up. Initially try and keep it in writing.

1971 loulou can I ask a question I was about to send off evidence (they have not asked for this) but I think when they see my boyfriend pays money into my account every month they will challenge me on this..he owes me money for a couch I got from scs sofas that I got on finance for him as his credit is so poor.I still have the delivery note and agreement which shows the delivery address is different from my address which I was going to send them I also got a telly which I paid on my credit card for him..again he pays me a bit a month for this. I didn't want to send it in but know for a fact they will question it and to me I couldn't be bothered waiting for them to ask questions on it if I can just explain to them now just didn't want to prolong this whole thing as its already making me feel so sick can't sleep without thinking of it or barely eat..too scared to spend money and do things with my children incase they stop my tax credits. Do you think I shouldn't send them this evidence in and just wait then? Feel so stuck! I'm at work everyday and have no time to try and get to citizens advice who close by the time I get in 😔

If concentrix do decide to stop the child tax what happens? Will you get a criminal conviction or anything?

Flojohns, I feel that because they have found that he has a bank account registered to your address means they will most likely be looking through your statements for sums of money being paid in and out of your account. I dont see why it would hurt to just stick a post it on a bank statement and just say £50 paid back for couch. If he is nowhere near clearing the money for the couch yet and the TV doesn't show up up on the bank statement I wouldn't even bother mentioning that, just say the money is to pay off the couch and send in the couch receipt which clearly shows it was delivered to his address not yours. Talk it through with your uncle and ring the CAB. When do you have to send the info off by?

I think you can ask for Citizens advice to call you if you cant make it to them. If you go onto their website, there is a place you can enter your postcode to see where your local one is and their phone number. Or call this national line 03444 111 444 and see.

Reu do you mean that she sent money to the other childs mother for you one time and then you paid her back?

Wouldnt her card payment just show that she sent some money to someone? People do that all the time. Was it for a ridiculous amount of money? I dont see why they would even look into that transaction.

No the tv isn't on my bank statements that was my credit card I have been paying the couch off since end of 2013..he has literally only started paying that March last year!! Think it was a couple of £80 payments then one month was £500 never been the same more so it's always £100 he pays sometimes more depending on what his wages are I guess! But some of that is for the tv too which was £811..just I need to go through my statements and work out how much he has gave me in total as if it's over the £1800 which is what the couch was surely I'll have to let them know about the telly..though there are times I simply lend him money and he pays it back through my bank! Might just put a covering letter explain money into my bank is repayments for the couch and that there are times I lend him money and he pays me it back..really don't know think I will phone CAB just to see what they say as my heads spinning just don't know what to do for the best! Trying to be as helpful as I can but then will they see it as I'm being helpful!! Need a drink lol

Go through your statements and see how much he has actually paid you back. if it doesnt add up to the amount for the couch yet I really would just say its all just money for the couch, nevermind the bit about you lending him money on top of that unless you are lending it to him by paying it through your bank to him? or are you just handing him the money?

So glad I found this group me to has got a letter saying another adult with me! Yes they are my mum and two brothers! Feel sick with worry 😢

There is a good chance they will question it. According to their 'manuals' your ex partner can't be seen as supporting you.

You still need to send the statements in unfortunately . I think they just want to see your financially independent. Keep everything in writing. If they challenge it, you can then defend yourself.

The above post was for Flojohn, I'm iff out now but I will answer any questions best I can when I get back

Loulou x

If they cant be seen to support then why is it ok to pay maintenance? and in flojohns case, i think it is someone she is involved with but doesnt live with.

If he's seen as using the address for bank statements , bills letters and paying money it it MAY be deemed that Flojohn is LAHAW. I don't want to scare her, there's enough people scared by these letters, but I really think that keep it in writing and don't phone Concentrix unless it's clear you must. Remember they only get paid if you get caught !

It's says csa on the statement apparently.
I don't get what happens if they do say we live together. Would there be any criminal charges?

Jimmi- I don't make their rules... If they are seen as pooling money with the partner towards living then they may see it as able to live as a couple. Do the deposits say 'Furniture repsyment' on the bank statements ? Usually you can put a reference with it (it's what my ex would do) Re maintenence for children they are not supposed to ask for this (again it's clearly written in their 'manuals') and of course the ex can pay for maintenence for their children. Regarding OP she should send in just what they have asked for. If they have a query they will write to you. That's what I was told to do not add sticky notes on- of course that will draw their attention to it and delve deeper.

At the end of the dsy it's up to them to prove your living with a partner. And you can always go down the tribuneral route if your side of the street is clean.

From what I understand hmrc don't go down usually that route and would rather set up a repayment scheme.

Quick question my Nan gave me 3,000 so I can pay her bills and if I need to borrow money I can , they can see the cheque was paid in and then put into savings , do I need to explain this when I write a cover letter or just leave it till they ask ?