Finances are a hot topic in my house. Husband only just started earning a salary over the threshold to pay back childcare so I rung hmrc to cancel it because it will be me that has to pay it back, and I cant afford it. Even if it technically gets paid back by the high earner it will get clawed back off me by him and I currently cannot afford that (yes yes I know, financial abuse, leave the bastard - there are reasons why I don't want to do that right now so let's set it aside). Hmrc want chapter and verse about why I don't want it- surely with all the austerity they should be glad someone doesn't want to take it? But no, they practically threatened me, telling me my child wouldn't be entitled to this and that if I didn't claim it. I feel pretty annoyed by it to be honest, add to that the fact that they claimed that "because of data protection" different departments in hmrc didn't share info with each other, so all the information that I've just completed last week about eligibility for 30 hours childcare has to be replicated because I don't want money from you??? It's mental. No wonder we've got a financial black hole in this country.