Dealing with tax credits, overpayments, or general queries about your entitlements often requires direct communication with HMRC. One of the most reliable ways to access support is through the official phone line: 03453003900.
Whether you’re updating your details, asking about a payment, or disputing an overpayment, understanding how to use this helpline effectively can save you time and stress.
For those with speech or hearing difficulties, HMRC also offers accessible alternatives like the Relay UK service to ensure equal access to vital services.
This article explains how to contact HMRC through 03453003900, what to expect, and how to prepare, especially when dealing with complex cases like tax credit overpayments.
What is 03453003900 and Why Might HMRC Contact You from This Number?
The phone number 03453003900 is an official HMRC helpline specifically used for tax credit-related enquiries. If you receive a call from this number, it’s typically in response to:
- A query you’ve raised with HMRC
- Updates or changes to your tax credit claim
- Notifications about overpayments or underpayments
- Requests for additional verification
Unlike scam calls or phishing attempts, this number can be verified as an authentic HMRC contact. If you’re unsure, you can always hang up and call the number back yourself via the official GOV.UK contact page.
HMRC will never ask for your full bank PIN or password, nor will they pressure you into making immediate payments over the phone. Always exercise caution and verify the caller’s identity if something feels off.
How Can You Contact HMRC About Tax Credits Using 03453003900?
To speak to an HMRC adviser regarding tax credits, dial 0345 300 3900. This number connects you directly to the HMRC Tax Credit Helpline, where trained support agents handle enquiries such as:
- Updating your personal details
- Reporting changes in your income or family circumstances
- Asking about payments or delays
- Challenging decisions or disputing overpayments
Call Cost and Network Charges
Calls to 0345 numbers are charged at the standard local rate and are often included in landline or mobile minute bundles. However, charges can vary depending on your provider.
| Network Provider | Approximate Cost per Minute | Included in Bundles |
| EE | 30p–55p | Sometimes |
| Vodafone | 30p–60p | Yes (certain plans) |
| O2 | 35p | Often included |
| BT Landline | 12p | Yes |
It’s advisable to check with your network before calling to avoid unexpected charges, especially if you don’t have inclusive minutes.
When Is the Best Time to Call HMRC’s Tax Credit Helpline?
HMRC operates this line from Monday to Friday: 8am to 6pm, Closed on weekends and public holidays. While the line is open throughout the working day, the best times to call are typically early morning (8am–9am) or mid-afternoon (2pm–4pm). These are generally less congested, allowing quicker access to advisers.
Avoiding peak hours like lunchtime (12pm–2pm) and Monday mornings can significantly reduce wait times. If you’re facing urgent issues, planning your call strategically can make a big difference.
What Are Your Options If You Have Hearing or Speech Difficulties?
HMRC ensures that individuals with speech or hearing impairments are not excluded from receiving support. The Relay UK service is a text relay system that allows users to communicate with HMRC advisers via an assistant who relays the conversation in real time.
How Does the Relay UK Service Work with HMRC?
Relay UK, formerly known as the Next Generation Text (NGT) service, enables you to:
- Use a textphone or compatible app to connect to HMRC
- Type messages that are read aloud by an assistant
- Receive typed replies from HMRC agents
This service ensures accessibility and privacy for those who cannot use voice calls effectively.
| Contact Method | Relay UK Number |
| Textphone | 0345 300 3909 |
| Relay UK App | Use prefix 18001 before dialling 0345 300 3900 |
How to Prepare Before Using Relay UK?
Before starting a Relay UK call, gather the same information you’d need for a standard call. This includes:
- Your National Insurance number
- Recent tax credit correspondence
- Any claim references or updates
If you’re using the app, make sure your internet connection is stable, and your device has the latest version installed.
What Information Should You Have Ready Before Calling HMRC?
To streamline your interaction and reduce the risk of call delays or follow-ups, it’s essential to have the following information on hand:
- Your full name and address
- Date of birth
- National Insurance number
- Tax credit claim reference
- Details of recent changes in income, employment, or childcare
- Recent letters or notifications from HMRC
- Bank account details if you’re enquiring about payments
Providing this information upfront helps HMRC validate your identity quickly and access your records faster.
How Can You Resolve Issues Like Overpayments or Incorrect Awards?
Errors in tax credit awards can lead to overpayments, which HMRC will seek to recover. However, recipients have rights and options when these situations arise.
What to Do If You Disagree with HMRC’s Decision?
If you believe the overpayment was made in error or you were not properly informed, you can:
- Request a mandatory reconsideration
- Ask for a statement of reasons for the decision
- Provide evidence that the overpayment was not your fault or that you acted in good faith
HMRC will assess your claim and respond with an updated decision, which may reduce or remove the overpayment obligation.
Options for Repayment or Appeals
If HMRC insists on repayment, but the amount or schedule is unaffordable, you can negotiate alternative arrangements. In some cases, they may:
- Offer instalment plans
- Suspend recovery if you’re on a low income
- Accept reduced payments
You may also appeal to an independent tribunal if the dispute isn’t resolved through mandatory reconsideration.
| Repayment Option | Description | Eligibility |
| Instalment Plan | Spread repayment over months | Most claimants |
| Write-Off Request | Overpayment waived in rare cases | Low-income/hardship cases |
| Appeal to Tribunal | Independent review of decision | After reconsideration |
Are There Alternative Ways to Contact HMRC About Tax Credits?
While calling 03453003900 is often the quickest way to contact HMRC about tax credits, there are alternative methods that may be more suitable depending on your situation.
These options can be particularly helpful for non-urgent queries or if you need someone else to act on your behalf.
| Contact Method | Details |
| Online | Use the official GOV.UK contact forms to report changes or ask questions. This is ideal for non-urgent enquiries and provides a written record of your communication. |
| By Post | You can write to HMRC at: HM Revenue and Customs, Tax Credit Office, Preston, PR1 4AT, United Kingdom. Postal communication is useful for sending documents or formal requests. |
| Through a Representative | You may authorise a family member, accountant, or adviser to contact HMRC on your behalf. They will need your authorisation via form TC689 or through your Personal Tax Account. |
These alternatives ensure you can manage your tax credit matters efficiently, even if calling the helpline is not possible.
What Precautions Should You Take When Receiving Calls from 03453003900?
Although 03453003900 is a legitimate number, it’s important to remain cautious due to the rise in HMRC-related scam calls. Here’s how to stay safe:
- Don’t share full bank details or PINs over the phone
- Never make immediate payments using unusual methods like gift cards or cryptocurrency
- Verify the caller by hanging up and calling HMRC back via the official website
- Check your Personal Tax Account for notifications that match the call reason
HMRC generally contacts you by letter first. If you’re ever in doubt, it’s better to initiate the call yourself using the official number.
Conclusion
Navigating the tax credit system doesn’t have to be a frustrating experience. By understanding how to properly use the HMRC helpline at 03453003900, you can access accurate and timely support for all your tax credit concerns.
Whether you’re calling to update your details, resolve a payment issue, or get help through Relay UK, being well-prepared ensures a smoother and more efficient experience.
Always use caution when receiving calls, and remember that HMRC offers a range of accessible options to support all users. Staying informed and proactive can help you avoid common pitfalls and resolve issues more effectively.
Frequently Asked Questions
How long does it take to get through to HMRC on the phone?
Waiting times can vary depending on the time and day. Calling early in the morning or mid-week typically results in shorter wait times. On average, wait times range from 10 to 30 minutes.
Can someone else speak to HMRC on my behalf?
Yes. You can authorise someone else to speak to HMRC by completing form TC689 or adding them as a representative through your online account.
What happens if I miss a call from 03453003900?
HMRC does not usually leave voicemails with personal information. If you miss the call, you can return it or check your online account for messages.
Is calling 03453003900 free from mobile phones?
No, it’s not free, but it is charged at local rates and often included in your mobile plan’s minutes. Check with your network provider.
Can I contact HMRC about Universal Credit on this number?
No. Universal Credit is handled by the Department for Work and Pensions (DWP), not HMRC. You’ll need to use the appropriate DWP contact numbers.
How can I update my contact details with HMRC?
You can update your address, email, or phone number through your Personal Tax Account on GOV.UK or by calling the HMRC helpline.
What should I do if I can’t get through to HMRC?
If you’re unable to reach HMRC by phone, try using online services, writing by post, or seeking help from a support organisation.
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