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 loulou..he's not my children's father he doesn't pay anything for his kids this is just my boyfriend that I got a couch for end of 2013 from scs sofas I have a standing order set up that i pay £52 a month back (couch was £1800) have all my paperwork when purchased the couch to show that it is for his address he has been paying money into my bank since last March as before that hasn't paid a thing! He also owes me for a telly but I don't want to get into that with him..only mail I get is his bank stuff because the post is unreliable where he lives he has had his new card that they send out in the post go missing twice and been the victims of card fraud so I honestly just thought I was helping to offer for him to get his banking stuff sent to me so at least he knew it would be am safe as I've never had a problem with my post. His dad lives in Great Yarmouth and his mum passed away last year so he doesn't really have family to help. Didn't realise for one minute this would happen though!! No I just feel so ill and stressed out over the whole thing!! Even my mum has paid £100 into my bank as nationwide done a recommend a friend for £100 which I done and now I'm worrying they'll ask about that too it's mad!!

Also there is no reference on my statements that say it's for the couch he just transfers it in what he can afford to pay back😔 If I'd of known then what I know now eh ..absolute nightmare

Just been reading Hun all u can do is send the statments off and explain I am in same boat it horrible and extra worry us mums don't need x

Does anyone know what happens if they decide you are living together. Obviously they stop the money and you repay it back but is there a criminal conviction or anything that would show on a CRB. Hopefully they will be smart enough to see that I am simply paying maintenance. But just thinking worse case scenario

Charlotte - it really is up to you if you want to explain. The advisor said to me not to just send in what they ask first. They are looking to see if you are LAHAW with someone and if a partner is financially supporting you or if money is being pooled towards your living expenses. I don't think you have too much to worry about, but they may write to you about the deposits.

Flo - they may be looking for transfers between bank accounts.

So basically you bought furniture for him, had it delivered to him and your paying for it? You should really get him to stop his bank statements coming to your address. On their list of triggers that is one of them. I really would encourage you to get him to find an alternative address. How long have they been going to your address. They have the powers to go back more years if necessary.

Reu- they can go down 1 of 2 routes, a Civil Investigation or a Criminal Investigation. If your trend is paying regular maintenence I don't see it being a problem. It's when your bills, mortgage, driving licence (clearly states the address is your permanent address) are at OP address. HMRC don't usually prosecute unless there has been a serious false declarations made relating to income and here's where you need to disclose everything and comply with them. IF hmrc had any real hard evidence they would IUC, may be get a search warrant and then arrest.

As far as I'm aware they shouldn't ask about maintenence payments according to the manual they say they 'abide' by.

My friend just said the same thing don't tell them stuff unless they ask, my daughter father does pay money into my account all the time but it all for her and u can see that on my statements my shopping all in tesco for her lol, just wish I knew what they mean by another adult as there is none at all, just me my mum and two brothers x

Hi Lou-yes basically his credit rating is quite poor so when he went to get a sofa he was obviously refused it and on the spot I offered to put the finance in my name as long as he paid me every month..he only started paying last March for the couch..his bank mail has been coming here since September! I know I have spoke To him but don't want to do anything whilst this is going on as changing things might make me look guilty?! I was going to send them all the paperwork for the couch so they could see for themselves but have decided will just explain in a covering letter and if they want to see it I can send it through to them..I will just send them everything they have asked for..i do sometimes lend him money nothing major £20 here and there but I'm always at work so it's quick for me to just transfer it through my mobile app!!
Just think you try to do a nice thing for someone and be helpful and now because of it I've got myself into this situation! X

It really is up to you but I would ask for him to find an alternative address for his post because it's leaving a paper trail especially (and your bank transfers) if he is your boyfriend, they may question it. Obviously I can't get into the mind of what they will say or the outcome as its assessed a case by case basis

This is from hmrc compliance :

"If you have already seen bank statements and household bills you should be ready to challenge suspect items. For example deposits into the bank account, direct debits, patterns of withdrawal or any expenses for which you would have expected to see bills but none have been produced."

Is he on the electoral role at your house or his house?

Hi, I know its been a while with this thread but was wondering how you got on with the phone bill issue?

Really worried got one of these letters from Concendrix last week and cannot eat or sleep. I split from my husband just over 2 years ago and we keep everything amicable for the sake of our daughter. He calls in the evenings to visit our 3 year old but we are definitely not a couple as he had an affair after we went through a tough 6 years of ivf treatment and grew apart even though we got our daughter who was 20 months when he left. My worry is that although all my bank statements show I pay all my bills myself he pays the sky package that was in his name as part of maintenance for our daughter. I am also worried that he was still on electoral register for my address and a few other things he has not bothered to change as he said due to having paperless statements for certain things he never got round to changing them to his new address. He has now started changing everything to his address but my worry is its to late. I feel so stupid for not realising having your ex still use your address would have such massive implications. Also in the last year he transferred 3 amounts of £20 £50 & £75 to my account for shoes and clothes for my daughter. I feel completely devastated by this that they will not believe me and I will be prosecuted. Please help any advice would be appreciated xx

As far as I am aware you they don't like to prosecute they simply ask for what you have been paid to be repaid. When you send your evidence off make sure you put in a cover letter explaining your circumstances

I am going to send everything off yo them on Monday and have marked transactions from my ex on the bank statements and specified what they were for. Was going to write a cover letter as well despite some people on threads saying not to give any additional info they haven't asked for. Feel I need to explain certain things as I could not bear to get more info requested after waiting for original documents back as I feel as if I'm having a breakdown as it is. Hate that this has got me in such a state when I know I am single yet I have to prove it. Reubidooby thanks for replying its good to get this off my chest as I have no one to turn to and am in such a mess.

Hey loulabell..stay positive you have done nothing wrong I know how hard it is I too cannot eat or sleep and when I do nod off I'm dreaming of it..it's awful!!..send in everything they asked for and for your peace of mind if you want to write on he transactions then do it..I too am in a situation but mines seems a lot worse than yours 😔 explain it all on a covering letter that's what I'm going to do don't phone them unless you have to..message me anytime on here I know what it's like not having anyone to confide in when this is such a horrible thing to go through..xx

Me in the same boat my girl dad always paying money into my bank for things for our daughter some months it lot some time it none as I didn't tell them cause it maintaince whole thing makes me sick with worry but it not in our hands , hopfully in few weeks this will all behind us all x

Thanks Flojohns80 and Charlotteban sorry u r both going through this and others to but somehow it helps that I am not on my own. Feel so guilty that my state of mind is effecting my daughter as she senses I am not myself and I know I am not giving her my usual , 100% attention.

I know what u mean I feel ok one min next min I feel sick I am not even eating correctly! Wish they would tell u names etc so u can defend yourself, plus how me sending bank statements going to prove no one living with me !

It is so unfair to put people through this, I understand some people abuse the system but to cause this much worry and stress is uncalled for. It is alright being told if u have done nothing wrong u have nothing to worry about but when u do not know what u are supposed to have done wrong and worse case senarios keep coming into your head it is dreadful. Any tips on how to stop obsessing on this awful situation apart from a large bottle of wine lol

No tips lol just trying not to think about it ! Don't help where i live with my mum she going don't stress which makes me worse! Might need two bottles lol I got to print all my statements off yet 🙈

No tips except for send off what they ask for and forget about it. I went away on holiday after I sent mine off which helped take my mind if it X

1971loulou funny u should say that cause I'm sending mine tomorrow and off on holiday with family on Wednesday. This has completely spoilt it for me but hoping I can put it out of my mind once I get there. Not even going to tell my family about it cause it will ruin their holiday to worrying for me, especially my mum. Need to give myself a shake and get on with things. Would usually be enjoying packing at this stage but haven't even started.

Hi girls just wanted to let you know that my ex took out an Experian free trial to double check what he was at my address for and what was at his new address. The good news is that the couple of things like his mobile contract and bank that he is paperless with and never changed are now updated to the new address and he only changed them a couple of days ago. I am not sure how Concentric will look at these changes being made but at least we are trying to put right the things that flagged us up in the first place. May be worth getting things in order in case this were to happen again. This has really made me feel a little better so hopefully be able to sleep a bit tonight.

Hi, I got a letter today from Concentrex saying they have information another adult may be living with me. I sperated from my ex last June and I moved house with our son in October so my ex has never lived here or had anything registered here. I don't think he's the one they think is living with me though. I did a house exchange 6 months ago and for the first few months the previous tenant had her mail redirected but now that's ended I get a few letters addressed to her. I also get junk mail addressed to a man I don't know, I think a partner/ex of the previous tenant. When I called Concentrex they said my address will have been flagged due to mail coming here for someone else.

So I'm not overly concerned about proving I live alone, I think that's fairly easy. Since it was a mutual exchange, this is easy to show. My concern is the bank statements they ask for. I have the other stuff such as my tenancy agreement and council tax bill. I don't have gas and electricity bills as I'm on prepayment, but the advisor said just to write this on a covering letter.

I don't have 12 months worth of bank statements. I also find this very personal having someone going through my statements. So do I actually have to send my bank statements? Its going to cost me money to print and post that many pages. Even when my ex and I lived together, nothing was in his name as he wasn't working! So I can't see what my statements will prove. Also, my ex pays me regular maintenance for our son each month (used to be weekly when he was paid weekly). It's the same amount each month but occasionally he'll give me extra on a random day for our son if he's asked for a new computer game or something, basically he gives our son pocket money as such so he can get a new game or buy stuff on his game consoles. Or on his birthday/Christmas we share the expense of his main present. But that's all. My son rarely see's his dad so I know it's nothing like that and he's never stayed here overnight. I'm just worried with the money side of things they'll think we're financially supporting each other or something. If I do have to send statements, am I allowed to blank out non relevant stuff? Like debit card purchases etc as I feel this is very personal.

Sorry it's quite long!

That ok Hun, I am same i live with my mum and brothers looked up mine and his credit score nothing of his is on my address so who they think else is living here I don't know ! Me the same also as I find bank accounts very personal and my ex too pays money in regularly for our daughter what ever she needs I get and he always gives me the money back! I've been told that I have to send them in even print them off my online banking app.