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13-76
make a payment using a debit card
13
Benefit overpayments
76
5,024
5,057
13-77
request a paying-in slip for cheque or cash payments
13
Benefit overpayments
77
5,058
5,110
13-78
If you do not pay back the money
13
Benefit overpayments
78
5,111
5,143
13-79
If you do not pay back the money or contact the DWP Debt Management contact centre, they may pass your case to an independent debt collector.
13
Benefit overpayments
79
5,144
5,285
13-80
You’ll get a letter to tell you about this.
13
Benefit overpayments
80
5,286
5,329
13-81
If your case is passed to a debt collector, the letter will be from one of the following debt collection agencies:
13
Benefit overpayments
81
5,330
5,444
13-82
Advantis
13
Benefit overpayments
82
5,445
5,453
13-83
BPO Collections
13
Benefit overpayments
83
5,454
5,469
13-84
CCS Collect
13
Benefit overpayments
84
5,470
5,481
13-85
Moorcroft
13
Benefit overpayments
85
5,482
5,491
13-86
Past Due Credit
13
Benefit overpayments
86
5,492
5,507
13-87
Resolve Call
13
Benefit overpayments
87
5,508
5,520
13-88
Shakespeare Martineau
13
Benefit overpayments
88
5,521
5,542
13-89
You should deal directly with the debt collector to arrange repayment.
13
Benefit overpayments
89
5,543
5,613
14-0
Overview
14
Tax credits overpayments
0
0
8
14-1
You might be overpaid tax credits if:
14
Tax credits overpayments
1
9
46
14-2
there’s a change in your circumstances - even if you report the change on time
14
Tax credits overpayments
2
47
125
14-3
you or the Tax Credit Office make a mistake
14
Tax credits overpayments
3
126
169
14-4
you do not renew your tax credits on time
14
Tax credits overpayments
4
170
211
14-5
The Tax Credit Office will write to tell you what you owe and how to repay the money. If you think they made a mistake, call the helpline.
14
Tax credits overpayments
5
212
350
14-6
If you still get tax credits or are now getting Universal Credit, the money you owe will usually be taken from your future payments.
14
Tax credits overpayments
6
351
483
14-7
If you no longer get tax credits and you do not get Universal Credit, you’ll have to pay HM Revenue and Customs (HMRC) directly. The money may be recovered from you in another way if you do not repay HMRC in time.
14
Tax credits overpayments
7
484
697
14-8
How to repay your tax credits
14
Tax credits overpayments
8
698
727
14-9
The Tax Credit Office will write to tell you what you owe and how to repay.
14
Tax credits overpayments
9
728
803
14-10
How you repay depends on whether you still get tax credits, Universal Credit or neither.
14
Tax credits overpayments
10
804
892
14-11
Call the helpline if you:
14
Tax credits overpayments
11
893
918
14-12
think the Tax Credit Office made a mistake
14
Tax credits overpayments
12
919
961
14-13
already have a repayment plan but you get another letter - you may need to set up a new plan
14
Tax credits overpayments
13
962
1,054
14-14
If you still get tax credits
14
Tax credits overpayments
14
1,055
1,083
14-15
HMRC will automatically reduce your future tax credit payments until you’ve paid back the money you owe.
14
Tax credits overpayments
15
1,084
1,188
14-16
The amount they’ll reduce your tax credit payments by usually depends on how much you currently get and your household income.
14
Tax credits overpayments
16
1,189
1,315
14-17
Household income | Reduction
14
Tax credits overpayments
17
1,316
1,344
14-18
£20,000 or less and you get maximum tax credits | 10%
14
Tax credits overpayments
18
1,345
1,398
14-19
£20,000 or less and you get less than the maximum tax credits | 25%
14
Tax credits overpayments
19
1,399
1,466
14-20
More than £20,000 | 50%
14
Tax credits overpayments
20
1,467
1,490
14-21
If you only get the family element of Child Tax Credit, your payments will be reduced by 100% whatever your income is.
14
Tax credits overpayments
21
1,491
1,609
14-22
If you’ve moved to Universal Credit
14
Tax credits overpayments
22
1,610
1,645
14-23
Your future payments will be reduced until you’ve paid back the money you owe.
14
Tax credits overpayments
23
1,646
1,724
14-24
If you do not get tax credits or Universal Credit
14
Tax credits overpayments
24
1,725
1,774
14-25
HMRC will send you a ‘notice to pay’ which you should pay within 30 days.
14
Tax credits overpayments
25
1,775
1,848
14-26
It’s your responsibility to make sure payments reach HMRC on time. Check your bank’s transaction limits and processing times.
14
Tax credits overpayments
26
1,849
1,974
14-27
If you do not pay in time, the money you owe will be recovered from you in another way.
14
Tax credits overpayments
27
1,975
2,062
14-28
Call the helpline if you want to make extra payments to clear the debt more quickly.
14
Tax credits overpayments
28
2,063
2,147
14-29
There are several ways to repay.
14
Tax credits overpayments
29
2,148
2,180
14-30
Direct Debit
14
Tax credits overpayments
30
2,181
2,193
14-31
You can call the helpline to set up a Direct Debit.
14
Tax credits overpayments
31
2,194
2,245
14-32
You’ll need your tax credit reference number - you’ll find it on your notice to pay.
14
Tax credits overpayments
32
2,246
2,330
14-33
It takes up to 5 working days to set up. Payments appear on your statements as ‘HMRC NDDS’.
14
Tax credits overpayments
33
2,331
2,423
14-34
Online and telephone banking (Faster Payments)
14
Tax credits overpayments
34
2,424
2,470
14-35
Pay to HMRC’s account and use your tax credit reference number (found on your notice to pay) as the payment reference.
14
Tax credits overpayments
35
2,471
2,589
14-36
Sort code | Account number | Account name
14
Tax credits overpayments
36
2,590
2,631
14-37
08 32 10 | 12001039 | HMRC Cumbernauld
14
Tax credits overpayments
37
2,632
2,670
14-38
Payments made by Faster Payments will usually reach HMRC on the same or next day, including weekends and bank holidays.
14
Tax credits overpayments
38
2,671
2,790
14-39
If you’re paying from an overseas account, you can pay HMRC in sterling or another currency.
14
Tax credits overpayments
39
2,791
2,883
14-40
Account number (IBAN) | Bank identifier code (BIC) | Account name
14
Tax credits overpayments
40
2,884
2,949
14-41
GB62BARC20114770297690 | BARCGB22 | HMRC Cumbernauld
14
Tax credits overpayments
41
2,950
3,002
14-42
HMRC’s bank address is:
14
Tax credits overpayments
42
3,003
3,026
14-43
At your bank or building society
14
Tax credits overpayments
43
3,027
3,059
14-44
Pay at your branch by cash or cheque.
14
Tax credits overpayments
44
3,060
3,097
14-45
Make your cheque payable to ‘HM Revenue and Customs only’. Write your tax credit reference number on the back of the cheque. You’ll find this on your notice to pay.
14
Tax credits overpayments
45
3,098
3,262
14-46
HMRC will accept your payment on the date you make it and not the date it reaches HMRC’s account.
14
Tax credits overpayments
46
3,263
3,360
14-47
By cheque through the post
14
Tax credits overpayments
47
3,361
3,387
14-48
You can send a cheque by post to HM Revenue and Customs (HMRC). Allow 3 working days for your payment to reach HMRC.
14
Tax credits overpayments
48
3,388
3,504
14-49
You do not need to include a street name, city name or PO box with this address.
14
Tax credits overpayments
49
3,505
3,585
14-50
Make your cheque payable to ‘HM Revenue and Customs only’. Write your tax credit reference number on the back of the cheque. You’ll find this on your notice to pay.
14
Tax credits overpayments
50
3,586
3,750
14-51
Do not fold your cheque.
14
Tax credits overpayments
51
3,751
3,775
14-52
Your payment may be delayed if you do not fill in your cheque properly.
14
Tax credits overpayments
52
3,776
3,847
14-53
Include a note with:
14
Tax credits overpayments
53
3,848
3,868
14-54
your name, address and phone number
14
Tax credits overpayments
54
3,869
3,904
14-55
your tax credit reference number
14
Tax credits overpayments
55
3,905
3,937
14-56
how much you’re paying
14
Tax credits overpayments
56
3,938
3,960
14-57
the period you’re paying for
14
Tax credits overpayments
57
3,961
3,989
14-58
You can ask for a receipt if you want one.
14
Tax credits overpayments
58
3,990
4,032
14-59
If you cannot afford your repayments
14
Tax credits overpayments
59
4,033
4,069
14-60
You can ask to repay what you owe over a longer period of time if you’re having financial difficulty. This will mean you pay less each week or month.
14
Tax credits overpayments
60
4,070
4,219
14-61
You may be asked about:
14
Tax credits overpayments
61
4,220
4,243
14-62
any savings and income you have - including benefits and pensions
14
Tax credits overpayments
62
4,244
4,309
14-63
your living expenses - including rent, mortgage or childcare payments and household costs
14
Tax credits overpayments
63
4,310
4,399
14-64
any other repayments you have to make - including loans, credit cards and utility bill repayments
14
Tax credits overpayments
64
4,400
4,497
14-65
How you ask for your repayments to be reconsidered depends on whether you still get tax credits, Universal Credit or neither.
14
Tax credits overpayments
65
4,498
4,623
14-66
HMRC is offering further help and support during the COVID-19 crisis. If you are in temporary financial difficulty, and you are unable to pay or to keep up repayment of your existing debts, you should contact HMRC so we can work with you to ensure your arrangement remains affordable until you return to a more stable fo...
14
Tax credits overpayments
66
4,624
5,089
14-67
If you still get tax credits
14
Tax credits overpayments
67
5,090
5,118
14-68
If HMRC has reduced your tax credits to pay back an overpayment, you can ask them to reconsider:
14
Tax credits overpayments
68
5,119
5,215
14-69
online - you need your Government Gateway user ID and password - if you do not have one, you can create one when you use this service
14
Tax credits overpayments
69
5,216
5,349
14-70
by phone
14
Tax credits overpayments
70
5,350
5,358
14-71
If HMRC give you more time to pay back what you owe, this will mean they take less money from your tax credits each week or month.
14
Tax credits overpayments
71
5,359
5,489
14-72
You will usually receive a decision within 14 working days.
14
Tax credits overpayments
72
5,490
5,549
14-73
If you are still having financial difficulty at the end of the financial year (5 April), you will need to ask HMRC to reconsider your payments again.
14
Tax credits overpayments
73
5,550
5,699
14-74
If you have moved to Universal Credit
14
Tax credits overpayments
74
5,700
5,737
14-75
Contact the Department for Work and Pensions (DWP) Debt Management centre if you cannot afford your repayments.
14
Tax credits overpayments
75
5,738
5,849
14-76
If you do not get tax credits or Universal Credit
14
Tax credits overpayments
76
5,850
5,899
14-77
Call the tax credits payments helpline to ask HMRC to reconsider.
14
Tax credits overpayments
77
5,900
5,965
14-78
If you’ve received a ‘TC1131’ letter, this means your debt has passed to DWP. Call the DWP Debt Management contact centre to discuss your options. Call DfC Debt Management if you’re in Northern Ireland.
14
Tax credits overpayments
78
5,966
6,168
14-79
If you get Universal Credit
14
Tax credits overpayments
79
6,169
6,196
14-80
After you start getting Universal Credit you’ll get a letter from HM Revenue and Customs (HMRC) telling you how much you owe. The letter is called a ‘TC1131 (UC)’.
14
Tax credits overpayments
80
6,197
6,360
14-81
The letter may come a few months after you’ve moved to Universal Credit.
14
Tax credits overpayments
81
6,361
6,433
14-82
If you are already paying a ‘notice to pay’, keep making payments until you get the letter.
14
Tax credits overpayments
82
6,434
6,525
14-83
After you get the letter, the Department for Work and Pensions (DWP) will reduce your Universal Credit payments until you pay back the money you owe. You do not have to do anything to set this up.
14
Tax credits overpayments
83
6,526
6,722
14-84
If you’re in Northern Ireland this will be handled by the Department for Communities.
14
Tax credits overpayments
84
6,723
6,808
14-85
If you are repaying tax credits overpayments from different years, you may get more than one letter - you must repay each of these debts.
14
Tax credits overpayments
85
6,809
6,946