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i didnt know id been overpayed at the time, i ended a claim as a single person as started a new one as married couple. 18 months later they tell me i was overpaid in April - June 2010 (when i married) something to so with tax credits are worked out on an over the whole year basis, but because i ended the claim part through the year they work it out on the number of days i acutally claimed. too complicated for me ! and they also overpaid by a week after i was married even though i had already ended the claim before i got married, anyway this resulted in an overpayment . Im just going to pay up slowly (just like their handling of this overpayment, it took them 18 months to notice the error and then takes them months to reply to appeal !) thanks for advice.