partners tax credits overpayment from before our relationship

[shamen]

Re: partners tax credits overpayment from before our relationship

thanks for the help! It does seem like a viable avenue, however these guys are known for making things drag on. I cant be out of work for very long and one of the offers I have will be taken very soon, to clarify - within 20 days, so it seems like going down this route when I know in a few weeks I will be pulling in 40k+ from one job alone seems like we could be setting ourselves up for failure. If we go down this route now and then I end up in this new role, where does that leave us?

I dont want to seem ungrateful, im far from it, i just have to think about arguing the hardship line now and then maybe having to argue the 'well we claimed hardship, but not any more, so write this off because you made mistake' line in a few weeks.

[Caspar]

Re: partners tax credits overpayment from before our relationship

Seems like the hardship route is not viable then. In which case you could try this:

Ask your creditors to hold action on your account.

Your Address
Date

Company Name
Address


Dear Sir/Madam

Re:− Your Reference

We are writing to inform you that we are seeking advice and assistance regarding our current difficulties regarding the £15000 overpayments to my wife by yourselves from 2006-08.

To this end, we would appreciate if you could hold any action on the above account for a period of at least 28 days.

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

We look forward to hearing from you as soon as possible.

Yours faithfully


Your name

This should be seen as perfectly reasonable in the circumstances. It gives you breathing space, time to think and to get earning again!

Then I'd envisage something along these lines:

Ask your creditors to accept pro rata offers of payment on your debts

Your address
Date

Company Name
Address

Dear Sir/Madam,

Re: Your Reference

Since making that above agreement with you, our circumstances have changed.

I am pleased to say we can now afford to agreed monthly payments because ... [add your explantation here, keep it brief and in one paragraph if possible.

We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have £??? per month left for our creditors. The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments.

In view of our circumstances, please would you agree to accept an offer of £??? per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Should our circumstances improve again, we will of course contact you.

We would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

Your Name


OR my final thought - if you have any savings you could offer them a formal Full and Final Settlement. I can provide a letter should you wish.


Hope this helps,

David