Can you tell us about the impact it's had on your family?: "I'm not having anything taken from my benefits at the moment but only because they agree that we can't afford to repay my tax credit overpayments right now. Every April this gets reassessed and it causes so much anxiety every year until we hear the decision. The impact of this is fear. I hide it from the younger kids but my eldest knows that we may be thrown into even more poverty at any point. I'd love to pay it back and have this feeling gone forever but that won't happen any time soon. I live for the day that we are not reliant on benefits."