Please or to access all these features

Add post

Watch this thread

Save thread

Start a new thread

Flip thread

Hide thread

My feed

Active Unanswered threads

Getting started FAQ's

Unanswered threads Acronyms Talk guidelines

Hide shortcut buttons

Talk

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

Flip

1 2 3 4 5

Original poster

Tax credits investigation

106 replies

Abbeyo123 · 26/02/2017 00:34

I would just like to know if anyone has ever been investigated by tax credits I have got to send them a years worth of bank statements wage slips childcare receipts as they have sent me two seperate letters one to say they need to check my tax credits, the only issue I have is I have let someone use my bank and over the year £11,000 was paid into the account by them but it was not my money nor did I earn a single penny from it I would just take the money out and hand it over to he's partner as he was away a lot and I thought I would do them a favour I'm absolutely terrified that they are going to think it was my money and it definatelt wast I work part time doing 25 hours per week and rely on the extra from tax credits to help me with my finances bills nursery fees etc it is just me and my little boy I suffer with anxiety and haven't slept in almost 4 days since receiving this letter !! It makes it even worse that I have tried to ring the person who put the money in to my account and I cannot get hold of him as I say he's away a lot and I don't no how to explain this I don't want tax credits to think this is my income or has benefited me in anyway shape or form?? If my tax credits stopped or I'm investigated I'm worried that my
Housin benefit that I receive will be effected and I will lose my home if anyone has every been in the same situation any advice would be appreciated

OP posts:

Abbeyx123 · 26/02/2017 18:18

My mum worked most of her life and is now end of life stage emphysema and gave up work to bring up her two granddaughters because my sister lost custody of them due to having a stillborn and trying to commit suicide and having to be sectioned who are you to make out my mum is scrounging benefits to fund her children?? God help you if you ever struggle and need help. She was in hospital for 2 months on oxygen machines whilst my dad had to take over raising there grandkids. Resulting in money building up whilst in there and her buying everything she needs in bulk so she doesn't have to walk the 7 mile journey to the nearest supermarket don't make assumptions you no nothing about.

PigletWasPoohsFriend · 26/02/2017 18:18

And how is the OP going to prove she didn't use the money herself given that she withdrew it in cash?

^ this

At the very least OP has been aiding her friend commit fraud with regards to tgeur benefits.

Abbeyx123 · 26/02/2017 18:20

I get minimal tax credits while working 12 hour shifts I've worked since leaving school at 16 years old and have only ever come out of work for 3 months after having my little boy and going off mat leave early again assuming i scrounge benefits. Please come down off that high horse your on I get frustrated at my brother not working but seems to afford all this nice stuff also get annoyed at my older sister for doing the same thing except her situation is totally understandable nervous breakdown trying to commit suicide and ending up in the priory due to carrying full term and having a still birth.

Babyroobs · 26/02/2017 18:20

I'm not objecting to your mum claiming disbaility benefits but she is depriving herself of capital to give you and your siblings money. Sorry if I am nisunderstanding the situation.

PigletWasPoohsFriend · 26/02/2017 18:22

God help you if you ever struggle and need help.

I am seriously ill myself. I still wouldn't commit fraud.

HTH.

oh and name changing in threads is against MNHQ rules

Abbeyx123 · 26/02/2017 18:25

Like I explained she had over £7000 in benefits child tax credits her disability money and child benefit when she was questioned as to why she explained she had been in hospital for 2 months as a result of her illness and the gentleman was very understanding of this and explained she needs to bring the amount in her account down before it went above a certain amount my mums 45 doesn't leave the house except to do the school run and my dad does everything for the kids so she didn't actually need the money and decided to help her children any mother would if she knew they were struggling she was actually told she could claim more than she does and refused because she said she didn't need it so she could of bettered her income and said no because although entitled she knew the money wouldn't be spent on much because she can't do a lot without collapsing as she's breathless and unable to do much.

Northernlurker · 26/02/2017 18:26

Why are you the only person in your circle able to use a bank account op?

You need some legal advice because you've been complicit in what sounds like benefit fraud to me. First thing tomorrow make a gp appointment re anxiety and a CAB appointment for the rest of it.

Abbeyx123 · 26/02/2017 18:26

My mum hasn't committed any type of fraud she's ill was in hospital money built up she helped her kids that's not really fraud is it and I did try to just delete the thread but don't no how to hence why i deleted the acc and seen it was still here

Abbeyx123 · 26/02/2017 18:27

I'm probably not the only personals acc he's using I just seem to be the only one within my circle who's been dragged into it he doesn't know my siblings just me but I am guessing hes using other people like me to do this and I will do tomorrow thanks x

PigletWasPoohsFriend · 26/02/2017 18:28

Did your DM declare when she was in hospital? Her disability benefits should have stopped if she was on hospital for 2 months.

Oh and DLA and PIP are not means rested and CB isn't (unless you are a high earner).

LottieL · 26/02/2017 18:28

It's going to be very hard for you to prove this wasn't dodgy, given that you have taken money given to you by your mum to help her benefit situation, and from this third party. The fact that you've withdrawn some of the money in cash is almost irrelevant as you've basically done the same for two people which is, rightly or wrongly, let them use your account to fiddle benefits.

Babyroobs · 26/02/2017 18:29

Your mum is giving money away to keep her capital low to continue receiving benefits. I think there are rules on this, I'm really not sure whether it would be considered fraud. Best to speak to someone like CAB. I have no problem with people receiving disability benefits.

PigletWasPoohsFriend · 26/02/2017 18:30

I have no problem with people receiving disability benefits.

Neither have I. It isn't means tested. You are supposed to declare though if you are in hospital for 28 days or more!

Abbeyx123 · 26/02/2017 18:30

Yes she told them when she was in hospital but she still got money for the girls and also my dad's money was more or less running the house, my dad told them she was in hospital I know something in that space of
Time stopped but as I say she also prior to that was to ill to leave the house so her money was just building up

PigletWasPoohsFriend · 26/02/2017 18:32

£7k in benefits 'just builds up' in savings

Babyroobs · 26/02/2017 18:37

Op I would just get this thread removed as with each post you are digging yourself into a deeper hole the more information you give.

Northernlurker · 26/02/2017 18:40

Op you can report the thread to Mumsnet and they will delete it if they agree it compromises your privacy.

Babyroobs · 26/02/2017 18:42

Actually I'm confused at your mum being told to keep her capital below £7k as as pp says DLA and PIP are not means tested, and tax credits would hardly be affected by savings unless you hada lot of savings , Are your mums family claiming housing benefit, that is the only thing that would be affected by the £6k limit?

Babyroobs · 26/02/2017 18:56

I would try to speak to someone at CAB asap and try not to worry.

kayleighnotts · 26/02/2017 19:15

you should really speak to a solicitor it is likely this will be treated as a criminal offence whether you were aware or not of it being classed as money laundering and receiving money from your mother more than once would raise a few issues with hmrc and dwp.

bigearsthethird · 26/02/2017 19:27

It sounds like you've had money going in and out of your account left right and centre for various people including these payments from this guy. Are they from abroad?

You are claiming benefits. The reason? Your income is LOW. So what part of all this money going in and out of your account did you think wouldn't affect that? I'm sorry but I don't believe you are that stupid. I think you had an idea it was very wrong, but I don't believe you're a bad person. I have no doubt you're not rolling in dough or living the high life off this 11000 so to speak so you need to concentrate on a bit of damage control here. I'd hate to think of you losing your your hb and your home.

This is money laundering as you are filtering money from one source to arrive at another with no trace from the recipient once withdrawn. You may be able to explain away your mothers cash but if it's a regular payment it might be classed as income (if same amount for 3 months or more for example) .

if it's picked up you may be looking at a criminal charge for money laundering or fraud. Worst case scenario you could well go to prison. And both those carry hefty sentences as they involve money. Get legal advice at the cab ASAP . First thing tomorrow. I'm afraid this is going to be stressful for you. But I think you know that already. Let's just hope the guy paying money into your account wasn't earning through criminal activity or doing it to defraud the benefits system for his girlfriend.

Please just get proper legal advice ASAP. And contact your bank to block any future payments from him. If he sends anymore and it goes into your account contact the bank ASAP to get it sent back .

I hope you get it sorted though. I'm not going to say try not to worry because I imagine you already are. Just try and stay focused and get together anything that can suggest you are an innocent party in all this.
Good luck

SouthWestmom · 26/02/2017 21:00

I am beginning to think this will be messy and stressful but fine actually.

Bloke - money laundering will only be a problem if it's illegally gained cash in the first place. If he doesn't live with his gf and they are trying to hide maintenance they are being daft as it doesn't count for tax credits.

Your mum can give you money.

Selling stuff - enough to be a business? People have been caught up by that.

desire2017 · 27/02/2017 10:43

So does this man transfer this money from another bank to yours and then withdraws it through you or does he go to the bank and actually deposit it to your account for you to then withdraw again? What would be the point in that?
Why doesn't he just keep in his account or keep it as cash or if he's transferring from another account keep it in that account to use? Why did he need your bank account? That's why it seems dodgy and like it seems like a money laundering because there is no other sense to it and seems like he's trying to get rid of money from one account to another 'legit' account (like yours) Also where does the money come from? If he's not telling you then alarm bells Ring that it is dodgy and I don't understand why you would put yourself at risk like that. I claim tax credits and I know full well if I have anymore income coming to my account then I'm bound to get questioned if I've not declared a regular deposit. If he was having his wages paid into your account because he doesn't have his own then it's completely understandable and you could easily prove that to tax credits but this I don't know. Your mum sending you money I don't see will be an issue. Only way you could get around it is if he is the father of your son you could some how say that it is maintenance but I'm not an expert so just suggesting. Also selling things online like your personal belongings won't be an issue as long as it's not a business that you have not declared.

LIZS · 27/02/2017 10:48

If I've understood correctly the other person doesn't live/work locally so deposits money into op's account for her to take out in cash and pass on to his partner.

thunderbuddy · 27/02/2017 10:59

Separate from the OPs issue but in general I don't know what the issue is with bank accounts being paid in by someone else and money given them?

I have a letter from the DSS asking me to change my tax credits from a post office card to my normal bank card and it says on the form you can have your benefits paid into someone else's account with their permission?

Flip

1 2 3 4 5