Hi Dee Thanks for that. I got a payment form from tax credits today. I gave them a call and spoke to someone in their collections they are going to speak to OR so still no idea but I made a boo, boo and in all the stress of things i picked up an overpayment form from 2007 and thought that i had only recieved it last month!!! So i actually only owe them £488 so what will be will and it is listed in my outgoings so it's not going to be a problem to manage if i do have to pay it back. Dee, how did they manage to everpay you £8k that's some figure?? Nat