Hi everyone I’m just desperate for a bit of advise I got a letter last week stating we have links to you and mr x who is the father of my 2 eldest children and ex husband we have been separated now since 2005 but never divorced mainly due to my religion and neither of us have been in a real relationship with other people we have a disabled son and we are very amicable he helps out with our eldest a lot and is very close with him. I pay all of the bills in my name we have a joint mortgage on the house and house insurance together he lives around the road in his mums and would come in and out to help our son shave hygiene tasks etc I have letters and proof that he lives there plus he is on the electrol roll at his mums I have a few problems firstly the house mortgage, the insurance plus he is a second named driver on my car insurance as this brought my monthly price down if I added him! Also he asked years ago if he could get a car out to my address and as this was for him to go to work I never minded if any post comes here for him he collects it from the hall table over the years he has had a few things registered here (all finance) reason being his mums house is blacklisted and also she would open his post I never thought this would be a problem but now see that it really is I am soo panicked I’m worrying morning noon and night can’t sleep I have visions of them saying that we should have had a joint claim, stopping all my money which panics me as I have soo much debt credit cards and loans then reading all sorts online I now have myself going to prison!! Any advice would be more than welcome

Hopefully somebody can help me too. Received letter stating that the wages total I had declared was £1600 less than it actually was. I received the letter on the 5th and my date for reply was 6th! I was so I credibly dumb to not declare my full wages. The letter says if I agree with their facts, I don't need to do anything. Is this the best course of action for now? i would rather they say pay everything back and stop any benefits they see fit to. I'll be skint but able to sleep. What happens next? Am I likley to go to court? I'm so tired and when I look at my kids I just want to cry. Any advice for my next step would be greatly appreciated.