CTC single claim REFUSALl........WHICH WAY NOW?

[lost79]

H i everyone,

 

 

I made a single claim for child tax credits and after 3 weeks I recieved a reply back from Ryscar B&C COMPLIANCE OPERATIONS. Anyway they asked me to send in some proofs....bank statements, council tax, utility etc. I sent these in straight away with a cover note explaining what I was sending and why:

 

BANK STATEMENTS - I said I could not provide them with bank statements as there was no point as my bank account (single) was being cancelled by the bank, because im in debt and also by the time they recieved my reply it would have happened.........I included the letter from the bank for proof.

 

UTILITY BILLS - Again I said I coudnt send these as for 1, G&E are pre-pay meters, but also I had started a switch over with a new company and also into my name - I sent proof of this.

 

COUNCIL TAX BILL - I told them that I didnt have a bill as I had just applied for council tax support in my name and also they required the same proofs tax credits did (no photocopies)....but that as i needed tax credits sorted, they were more important........I informed then that my single claim for council tax could still be checked with the council to prove I had applied.

 

MORTGAGE STATEMENTS - These I supplied and are in both mine and my exs name.......but its a mortgage, we have recently split, neither can afford to buy the other out so what do they expect. Also we'd both prefer not to sell as its at least one thing we are hoping to leave the kids.

 

Also in the cover note I explained how it was impossible to cope as at the moment I am only recieving £143 every 2 weeks to support myself and 2 kids......I can barely afford food.

 

Anyway got my reply back today telling me she has made her decision not to accept my claim because she has been unable to confirm my single person status.................and thats that. Apparently a letter will follow shortly explaining her decision and if I can appeal.........I cannot wait for shortly.

 

Can anyone give me some advice on how to word a good appeal, or should I just contact them and say I dont agree, Im desperate and need to do it ASAP.

Also I am going to have links with my ex, we were together 12 years until he decided to start sleeping with his dirty b**ch co-worker that is.

 

Please peeps some good advice needed.....on best way forward and best advice wording I can send back....and could I have done more with the things I sent? Its what they asked for so I thought it would be enough.

 

Sorry to go on and thanks.

[abc123def]

I made a single claim for child tax credits and after 3 weeks I recieved a reply back from Ryscar B&C COMPLIANCE OPERATIONS. Anyway they asked me to send in some proofs....bank statements, council tax, utility etc. I sent these in straight away with a cover note explaining what I was sending and why:

 

BANK STATEMENTS - I said I could not provide them with bank statements as there was no point as my bank account (single) was being cancelled by the bank, because im in debt and also by the time they recieved my reply it would have happened.........I included the letter from the bank for proof.

 

UTILITY BILLS - Again I said I coudnt send these as for 1, G&E are pre-pay meters, but also I had started a switch over with a new company and also into my name - I sent proof of this.

 

COUNCIL TAX BILL - I told them that I didnt have a bill as I had just applied for council tax support in my name and also they required the same proofs tax credits did (no photocopies)....but that as i needed tax credits sorted, they were more important........I informed then that my single claim for council tax could still be checked with the council to prove I had applied.

 

MORTGAGE STATEMENTS - These I supplied and are in both mine and my exs name.......but its a mortgage, we have recently split, neither can afford to buy the other out so what do they expect. Also we'd both prefer not to sell as its at least one thing we are hoping to leave the kids.

 

 

In the absence of any other replies. Given what you say I am not surprised that you have been turned down. Bank statements for the last 12 months should have been sent off even though that account was being closed down, banks will supply new statements or print them off your computer. Just add a note that this is an old account just being closed down. Utility bills should have been sent off for the previous 12 months, just add a note saying you are in the process of switching to pre-payment or whatever so this will change. Council tax bill should have been sent off as requested, just add a note saying what changes are imminent and/or are expected.

 

Your mortgage might be a problem for you given that it is in yours and your ex's names. Both of you are legally and jointly separately liable for it so if you or he don't pay anything towards it the other has to legally foot the bill in full. Therefore technically you could pay nothing towards it iyswim. If your relationship has ended then I doubt a joint financial product will be viable for long anyway, your ex will want their name released at some stage to perhaps have their own financial product so I think you will need to look at ways of separating yourselves from this mortgage. If one buying out the other is not possible then perhaps selling, splitting the equity is the way forward. Unfortunately the ending of relationships does often mean downsizing and loss of investments.

 

I think you will need to provide all evidence they have requested if you have any chance of being successful here, however as said because your ex is legally liable for the whole mortgage payment if you do not pay then that may be a sticking point on your claim.

 

All the best anyway, tough times emotionally and huge changes ahead. It's painful.

[Desperate Daniella]

Hi lost79, and welcome to CAG!

 

I agree with the advice abc has given above. You need to send them all the papers/statements/bills they have asked for. It doesn't matter if the accounts have been closed/are closing; it will still give them an idea of your finances.

 

How long ago did you and your ex split? Has he got a new, fixed address? Have you got a formal arrangement in place for child maintenance?

 

Get as much evidence together as you can and even if the letter hasn't arrived you can still call them and say you wish to appeal because your financial situation is so critical. However, it might be better to wait for the letter so you can answer their points one by one.

 

I'm so sorry you are having such a bad time.

 

DD