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Working Tax & Child Tax Credit Helpline Hell With Experian Security Checks

Updated on September 23, 2012

Tax Credits, Experian and HM Revenue and Customs Helpline Hell!

Claiming working tax credit?

Perhaps you are claiming child tax credits?

Maybe you are claiming for both child and working families tax credit?

Well, I have some news for you! Helpline hell is back with a vengeance!

Contacting HM Revenue and Customs has always been hellish but it seems that it has just got worse!

Why? New Experian security checks are causing delays, anguish and upset.

Working tax and child tax credit helpline really is hell now big brother checks you with Experian. Be prepared and read on!

Tax Credits Helpline From Hell Advises Callers To Check Online

Can you believe this?  After you have been advised to check online to update your details via the helpline from hell - you get this message online!  Gee!
Can you believe this? After you have been advised to check online to update your details via the helpline from hell - you get this message online! Gee!

Hanging On The Tax Credit Line

Courtesy and Thanks to O_S_H of Flickr
Courtesy and Thanks to O_S_H of Flickr

Telephone Hell

Courtesy From Gtm's Flickr
Courtesy From Gtm's Flickr

HM Revenue & Customs Helpline Complications Have Just Got Worse With Experian Security Checks

The system has always been filled with complications. Callers and form fillers have to provide masses of information to dear old Inland Revenue - income status, declarations and, what always feels as though we continuously report a change of circumstances - all of which have a direct effect on the income and life of families.

Life is an evolving, changing thing and it seems that many people must be spending lots of their time on the phone to the working tax & child tax credits helpline. They want to report changes in their circumstances because they play by the rules of HM Revenue & Customs. Is it not surprising, therefore, that callers get that 'urksome' feeling when they have to communicate with this helpline from hell?

Joe Public knows that as soon as they report a 'change of circumstances', for example, tax credits are frozen until the HM Revenue & Customs have 'completed' their investigations. The system, not only makes you feel like a criminal, but can leave families on the bread-line whilst some 'unknown' tax Inspector is rifling through your personal affairs which can take months!

The situation is compounded further by the frustrations from the HM Revenue and Customs Helpline from hell. Why? After you ring 0845 300 3900, if there are too many callers, the automated voice tells you:

'We are sorry that all our operators are busy at the moment. You can access information on the Internet on If you would like to call back later - we are open from 8am to 8pm 7 days a week - we will be happy to assist you then.' At this point you are cut off.

If you do manage to get beyond the above message, you have to go through the various options - you know the sequence - we have all been there at some point! When you have eventurally completed this task, guess what? You get the above message and get cut off.

This helpline from hell really is a 'put off' to people who are just trying to abide by the rules and report what they should. Most people are honest and law abiding citizens who just want to do what is right.

If are lucky enough to speak to a human, there is a new development. A development from the helpline from hell that goes beyond a mere security check to a total invasion of privacy. A method that side-tracks the caller, cross integrates him or her and adds to the overwhelming, already over worked, helpline from hell. Bring on Experian!


Experian Website
Experian Website

Experian Credit

It seems that we all have to go through the security process as a form of cross interrogation. In my story We Come One, I talk about this sort of process happening. It is ironic that we are on the path to more restriction in our liberty. Of course, we would like to think we have liberty, but the truth of the matter, it seems, is this is an illusion.

The Tax Credit Helpline From Hell

Courtesy of alisherf of Flickr
Courtesy of alisherf of Flickr

What Happen's If You Fail The Experian Security Check?

If you don't remember all your details - you are asked complex questions from many years back - you are referred to a Tax Inspector. You will receive a telephone call. You will then have to make a formal appointment to attend your nearest tax office, provide identity (driving licence, passport) and are questioned.

Who is Experian and Why Are We Being Security Checked?

Experian are leaders in global information. They provide data, analysis, manage credit risk and help to prevent fraud via automated computer decision making processes.

This has got to be a good thing, right? Yes, in one way, but in another it makes MOST people, who are legitimate and honest, feel like they are doing something wrong when they are just trying to play by the rules. It is HM Revenue and Customs who operate the working family's and child tax credit system that are using this system every time a caller rings up for a query or to report a change of circumstances.

This is a way of combating fraud but the process is very intrusive. The questions can stem back from years of information from 'what mortgage company are you with and how long ago did you take it out' to 'who do you bank with?' If you can't answer the questions straight away - which can be difficult when you don't have the paperwork to hand - callers details are sent to the nearest tax office for an 'interview'. Scary stuff eh? It makes you wonder if Experian and Inland Revenue are Big Brother. They are watching you!

Inland Revenue operators on the helpline are calling this an extension to a security check and refuse to take details of a change of circumstances statement before this check has been completed. It is the fault of the caller, ultimately, for not reporting the change - but how can they do this when Inland Revenue refuses to take their details?

So why are we being security checked so extensively? Because Government are looking to cut back after the mess that our previous Government has put this green and pleasant land through financially.

Interrogation of the Inland Revenue Kind

Inland Revenue & Experian Scrutinises Poorest For Tax Credits Claim

If you are claiming working tax & child tax credit you now know what to expect. HM Revenue & Customs are using Experian to target the most vulnerable people in our nation. It is they that have to suffer and pay back for the mess created by the Bankers. It is the most honest of our people who have to be scrutinised for every penny that they have hard earned - not the well off. They don't have to go through the humiliation of the Experian security check, neither do they have to put up with the indignation of the helpline from hell. Why? They are the section of the population that don't qualify for working family's and child tax credit, so they need not go through Inland Revenue's scrutiny. Seems the poorest of our society are the most closely watched whereas the richest, including those well off Bankers, are left in peace to look for the next profit-making scam.

© 2010 Shazwellyn - this work is covered under Creative Commons License


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    • profile image

      shammy13 5 years ago

      hi anyone come across this one from one of the governments fantastic services the H.M.R.C working and child tax credits to keep it short me and wife + family over the past two years have had a very bad marriage causing all sorts of problems had a split last year for around 11 months she stayed with the kids at our home me sleeping around at sisters daughters and me caravan and so on, then 11 months on got back together was back home for about 1 month talking things threw about our marriage then had a letter from the good people who are there to help famils HMRC saying my wife put a claim in as a signall person but they had information from one of there third parties, that i was living there all the time (no i was not ) sent letters out to say we have to pay 9.000 back we can appeall to a tribunal ect but we had a good read about the scary letter and basically we both have good jobs with a steady income so if we appeal could end up going court then may risk loosing our jobs if found guilty, so either way we can,t win i never want to have any help from the government system again it stinks?? and do third parties have the right to give information out, p.s there saying its because the third party has given them information that i have not separated any accounts or put the house up for sale and not separated under a court order ho sorry for not trying to keep my marriage and keeping my children from been upset at such a vital time in there education, there i.v got it of my chest and it stinks??? .

    • profile image

      ibby 5 years ago

      well said joe cook, here here

    • profile image

      glady 6 years ago

      Thought this might be useful, I found this free tool that integrates credit checking and credit scoring by directly credit checking Microsoft Dynamics CRM, credit checking in Microsoft AX 2012, Business Contact Manager and credit scoring directing into Existing spreadsheets for Microsoft Excel. Best part is its completely free.

      Here’s the Install link and a YouTube link underneath that:

      Hope it’s useful for you guys.

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      Hi Nicky, your case is desperate it seems. I would suggest that you contact your MP immediately. Not only will this help to resolve your problems, you will be making the right people aware that there are serious problems! This really isn't good enough. The tax credit is not a benefit for 'scroungers' it is for hard working people who only want to contribute to society.

      At the end of the day, our 'public servants' are not serving publically at all!

      Good luck my friend

    • profile image

      nicky 7 years ago

      the tax credit system is appalling. imoved in with my partner on the 27th april 2010. instantly notified the tax credits. they cancelled my single claim instantly. then we filled out a joint claim. still today on the 17th of july 2010 we are going thru security checks. i call the help line at least twice a week. which takes me at least half an hour to get thru to an advisor. my partner called today to find out if the claim at yet been processed, they put him thru security checks and said to him they have checked thru experium to him and he was linked atmy previous address. we were not living as a couple there. but had his bank statements there as he was working in gebralter. this is so disgusting as it as affected my family terrible. i work part time. have a disabled son a 1 year old daughter. my child care is £80 pound a week i earn £96 pound a week. my partners wage just covers the bills. we cant hardly buy food or do anything with the children. all advisors tell us is we are failing the validation process. and they cant say how long, just that they are in the time scale. this is unfair when there are people claiming everything as a single person. i cant believe 12 weeks with no support. i ask myself is it worth for me to work to earn £16 after child care payed. this country is a total nightmare. if wages were higher and child care was cheaper then maybe famiys would not need to rely on tax credits.

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      Yes, Billy, we live in a paranoid society and it is the honest who suffer. Sad but true.

      Thanks for reading

    • billyaustindillon profile image

      billyaustindillon 7 years ago

      Totally Big brother Shaz - seems around the world privacy is a long forgotten right. :(

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      Peace to you too MPG X

    • MPG Narratives profile image

      Marie Giunta 7 years ago from Sydney, Australia

      Hey shaz, obviously according to the watchdogs it is too much to ask. Peace to you my hub buddy.

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      MPG.. Thanks for reading. Computers do have their place but we need decentralisation, face to face contact and local communities who know their people and reputations. A call centre doesn't know anyone for madam!

      I feel like I want to run - do you know what I mean? It is like we are spiders trapped in a web and we are not allowed to just 'be'. I dont want to be rich, I don't want to be famous, I just want to live my life in peace. Is that too much to ask?

    • MPG Narratives profile image

      Marie Giunta 7 years ago from Sydney, Australia

      This sounds like pure hell and BB is certainly watching. Watching everything! When are these things going to end and watchdogs realise that not everyone is trying to rip off the system! Bring back humans I say (ironic as I'm speaking to you over a computer). Great read as always Shaz, M xx.

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      Oh, I see Zac! They are really going too far with looking at every personal detail via experian. No one wants an interrogation into their personal affairs. Then being directed for a 'security interview' is just going too far. The automated response, developed by experian, does not consider the caller being startled by the 'on the spot' tactic of the call centre operator and the fact that the caller is already traumatised by the system before they actually get to speak to a human being!

      Thanks for responding and welcome to the club of frustration! *wink*

    • Zac828 profile image

      Zac828 7 years ago from England

      Aha! I mean yes, I totally agree. And it makes me angry, I have to deal with these people myself for reasons beyond my control and you are absolutely right in all your points. I'm afraid that 'yes' was all I could muster in a state of pure frustration.

      Good for you for putting this up on hubpages and sharing it. Sorry if you felt odd at my response.

      Good work x

    • shazwellyn profile image

      shazwellyn 7 years ago from Great Britain

      Zac... bizarre response!

    • Zac828 profile image

      Zac828 7 years ago from England



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