Last November both mine & my wife's jobs changed. My salary dropped by £2k and my wife had to drop to part time due to poor health, so her salary halved.
We applied for Tax Credits and were told that we were eligable for £40, that's a single £40, to my wife, and it was a one off until April.
Then in March some genius then spotted that I'd received three months pay-off when I left my last job, this was on the form I filled in so I don't know why it took so long to spot. So the £40 had to go back. We both got a demand for this and it took a lot of phone calls, and three lots of photocopies of both our bank accounts to prove that we hadn't both received the £40.
Now why was it up to us to prove that we hadn't both got the money, surely they can track the payments - but then again they proably have no idea where all the money goes...
FE you wont see one as you earn enough. I unfortunately do not earn much, I am 60 and can just about afford what my son and I spend each week, without Tax Credits I am not sure what we would do. We do not go on holidays once a year let alone 2 or 3 times as we just cannot do it.