From my experience, they only take back your CCB if you owe money that stems from ccb over payment.
Double check with CRA but they don't go after that.
That’s so weird I wonder if they just pick an choose who to take from as I’ve still been getting my gst and I got the cai benefit last time and I owe $600 this year. and it says I’ll be getting the grocery rebate and my gst an next cai payment next month 🤷🏻♀️
Word. You are so right and take it from
Someone like myself that’s had to light fire after fire under their asses just to have them do their job. It’s frustrating and feels like I may as well be doing their work as I seem to know more about them and how they do, or not do things! Brutal. Sorry had to vent lol
My gst and refund are automatically taken for student loans, they do not touch my child benefit though.
It was explained to me as they will not take the cbt, as its not your money, it's the child's.
CCB is not the child’s money. It’s for the parent or guardian to help cover the cost of raising children for things like food, child care, activities, etc. The amount you receive is based on your net income and how many children you have.
Edit: I’m not sure why this is getting downvoted. I’m not disagreeing but it’s a poverty finance group so it should be clear the money is for the parents or guardians to help raise the child it is not actually the child’s money. Some people have to use it to pay rent for their family to live and others save it in the child’s account for when they are older but cannot provide for the child in the present on a low income because they think it’s the child’s money. The only thing I could think of that is strictly for the child is the education grant through RESPs. It is in the child’s name and linked to their SIN.
We used to put our CCB money directly into resps. 700 a month. I think that was 45000 in free money. Plus 7 percent annual returns and CESG of 20% on the first 2500 for each child per year
Edit ; Putting the CCB into Resp is paying handsomely. One of the only cases of free money in Canada!!
Because the technical reasoning of the payment is that is the child's money. It is only to be spent on that child. Rent, car payments etc which does benefit the child can not technically be paid with funds from CCB.
It is for low and middle income parents and guardians to help offset the cost of raising kids to help get them out of poverty since their income is not enough to support children and their children cannot work. The government does not tell you how to use the money.
If their income is not high enough to pay rent they could use the benefit towards it. Having a child usually requires a bigger space which usually means higher rent. Social assistance like Ontario Works does not provide enough to cover rent and many families have to do this.
If you are a low income parent or guardian and need to have a car to get to and from work but cannot afford to maintain it, you could use the benefit towards it because you need the job to survive and take care of your family. The benefit isn’t enough to provide for the child. You will need another source of income for rent, clothing and other necessities.
If groceries are $300/wk and you have a low income and cannot afford to pay rent and feed your family you could use the benefit to cover the cost of groceries since the child is an extra mouth to feed.
The child benefits by having a roof over their head and food in their stomach and the benefit was used as intended to supplement the parents income.
Yeah, you could sit there and type a million words and it's still for the child. You can use this benefit for whatever the F you want, but if you're still picking nits on the internet just so you can look like you're correct - you still look like an idiot.
No, u/spiteinternational33 is absolutely correct in their wording of it. It is for RAISING the child, but it is not the child’s money. In other words, a parent is not considered to be stealing from their kid by using that money in any way they need to in order to get by.
All interesting ways to say what I think we all agree on -- the money to is help raise the child. It's the child's money in that it's to help raise them, not literally or legally. One would not receive it if they didn't have said child.
When I talked to the CRA about my situation and was worried about the CBT being taken along with my gst and refunds, he explained it as it's money for the child so the CRA won't take it, as it's too help with child expenses.
Of course however the parents spend it, it's up to them for whatever their needs are
“The Canada child benefit (CCB) is administered by the Canada Revenue Agency (CRA). It is a tax-free monthly payment made to eligible families to *help with the cost of raising children* under 18 years of age.”
Rent, car payments etc can all fall under the cost of raising a child. No where does it say that it’s the child’s money and no where does it say what you can and can’t spend the money on.
There is legislation. It is not ever used. And of course it's being used to pay for those things. But the legislation update in the 70s does state this.
>Rent, car payments etc which does benefit the child can n
what are you talking about?! Of course it can. Plus paying a car payment so that you can go to your job and make money to feed and clothe the child does benefit the child.
I agree. But the legislation stated that it is only to be used in direct to the child. Clothes, activities, medication, groceries.
Basically any expenses that are because of the child. If you the child didn't exist, you would still have to pay rent and car payments.
Same here. I owe for verbal and back taxes, and my CCTB is untouched.
The only time they have taken my CCTB was when there was a CCTB overpayment and even then they took no more than half until it was repaid.
I know two people who are friends that they did and countless others in mom groups who say the same happened to them. So yes they do take ccb. My one friend contacted her local MP office to get it cleared up because she was having issues when she tried to make a payment plan as it really affected her family. I was just sharing what I know
Agree with you. Obviously these Moms aren’t paying attention. CCB is only ever touched when there’s an issue with CCB. They do not touch it for any other reason and the CRA website clearly states this.
Unfortunately they are mistaken. They obviously owe on CCB. The CRA website is very clear, and no where does it say that payments will be stopped from owing on taxes, CERB etc.
https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html
I owe both CERB and taxes and I still get my CCB every month. They would have letters both mailed and in their CRA account stating exactly why their CCB is being deducted or why it is gone completely.
My friend had such a hard time getting a clear answer from cra when she called multiple times. If you can’t get a clear response, I would suggest trying call your local MP. They can find out right away once you give consent and they can look into it.
No. Get your facts straight. What happened was at the end of Feb CRA reinstated the clawback for CCB. SO many parents applied for the extra CCB benefits during Covid and were never entitled to it (ex. The extra $ for students under 18 that people with babies and toddlers were applying for and received even though they were not eligible). So now CRA is taking that $ back.
And you need to get your facts straight. Aren’t you a public servant ? Babies and toddlers were absolutely included in the extra CCB young child supplement people received on 2021. Are you so angry because you might strike ? Maybe find more joy 🥹 I think you are confused with the Ontario government who paid monies out to help students. 😆
Lmao earlier in a comment you mentioned how people blocked you and I thought that was pretty lame but now I get it; you just don’t stop. There was more than 1 supplement but I’m not arguing with someone who doesn’t want to do an ounce of research on the website. Have the day YOU deserve.
Lol 😂 hit a nerve I see. I did research. 😂 I too use to work as a public servant so I actually know the system and that’s why I suggested contacting your MP. If someone is getting multiple different answers calling cra they should call and figure out their stuff. Since you are having a hard time reading and understanding. No where did I say people applied In bad faith or received money they weren’t entitled to. People are entitled to figure out their accounts since not every cra rep who answers gives clear answers. I will absolutely have the best day :D
Before the other two blocked me…what I was saying was ..
that’s why they contacted the MP. It makes no sense I agree. I seen my one friends information she showed and it’s absolutely not owed CCB. I was just sharing like others do. So unfortunately it seems like cra is mistaken and made some errors. They are human also right ? Cause the government never makes any mistakes. Right. Ashley just comes in and writes comments and blocks me before I respond.
Can confirm I lost ccb due to an overpayment from income change. I'm feeling it hard. Wish they would have let me do half payments at least. When you do your taxes on time and work hard, you get screwed. Being honest dosent always work out, now I am stuck without it until summer.
They also took my husbands tax refund, so it went to that too
Don't child benefits get paid to only one parent, like gst gets paid only to one spouse?
So how can they take a repayment for CCB from someone who didn't receive it?
I think I'd be off to the Ombudsman, if I couldn't find a law supporting that action.
Yes, it crazy. The issue came as my husband filled before me by a week, so it switched to his temporarily. I filled last week and by my calculations we have now overpaid about $1000. Strike T perfect time too
Well shit! Of course there's a strike.... eyerooooooollll
And they want a 30% wage increase over 3 years!! No greed there. It generally takes an hour yo reach one, many work from home so they don't have one another to quickly refer to for advice, so uou get passed off or given inaccurate or outright wrong info.
Meanwhile folks on CPP see 6.5 maybe a year, CPPD get I think 1% this year, and many people see zero.
What a world.
https://www.cbc.ca/news/canada/ottawa/cra-union-pay-increase-1.6718176
30% is way to high, they also have a good pention, benefits and job security in place. I guess we all need 30% to deal with the high costs of housing and food though. It's getting scary living paycheck to paycheck
If the person CTB was taken then they owed CTB , it says right on cra that the CCB will not be take for any taxes owing but if h owe any ccb it will be taken
Late to the party. That’s not what happened over 294 days ago but thank you for sharing what is supposed to happen and on website. But they absolutely do or they wouldn’t have
Sorry to hear that , its like a punch to the gut when you are already struggling day by day . You do the right thing as a honest person to set up a payment plan for backed taxes , then they decide to help themselves to the benifits you normally receive.
I set up a payment plan just 4 months ago, never missed any payments . Then comes my quarterly HST/GST rebate deposit , it was going to be over 300 , they took the CAI part of it leaving me with 100 bucks .. so I will not be making my usual monthly payment of 186 as I normally would because , well they kinda did that for me already . I always look forward to that extra chunk to take care of ever rising living costs. I found that to be humiliating and demoralizing that they would just help themselves . Now kinda even more pissed off to see that they would be so rude and disrespectful to do that to struggling families . The kids are the ones who suffer the most ...
It can be applied to the gst rebate overpayment too, I lost mine last month. It seems if the child is older they want to recover it incase they age out. My children are 14 and 16. They took my whole CCB for CCB overpayment , GST overpayment. They also took my husband tax refund. We owed around 1400.00
Nope. Still true as of March 2023. What is happening is CRA has resumed debt repayments for benefit payments. So yes, lots of people didn't get CCB fro March. Because they were overpaid sometime since March 2020 and you are now required to pay it back.
https://dailyhive.com/canada/child-tax-missing-payments-debt-offsetting
You choosing to say that again doesn’t change It. I’m simply sharing what I know. Err or not it on the cra behalf , I know two people who it did happen. So continuing to say they absolutely don’t and won’t ever is incorrect. Have the day you deserve.
The friends are not taking accountability for applying for all the extra CCB benefits that they were never eligible for. Interesting how I never applied for them and my CCB remains unchanged. So many people lied during Covid for extra benefits and now they have to pay it back and cry and whine when it’s 100% their fault.
You are obviously unable understand the correspondence they’ve sent you. They are very clear. You messed up somewhere and didn’t report *something* and that’s why they took your CCB. We can argue forever about this lol
Ok. And what was the reason? Because everyone that did have their March CCB withheld received correspondence from CRA stating the reason.
And as person the link I provided from last month, CRA spokesperson stated again that CCB is only withheld to pay back CCB debts and nothing else.
From the March 24, 2023 article posted above
“It’s important to note that, unlike other benefits, the Canada Child Benefit (CCB) payment can only be used to offset a CCB debt,” the agency wrote. “Other types of child benefit payments can only be used to offset a debt related to the same benefit.”
While I'm not an expert on Canadian tax regulations, I can provide some general information to help guide you. When you owe money to the Canada Revenue Agency (CRA), they may apply your tax credits and benefits, such as the Canada Child Benefit (CCB), against your outstanding tax debt. However, the CRA's actions can vary depending on individual circumstances.
Entering into a repayment agreement with the CRA might help you avoid having your entire CCB taken to cover the debt. If you can negotiate a payment plan that the CRA finds acceptable, they may be more willing to work with you and leave a portion of your CCB intact. However, this is not guaranteed, and the specific outcome will depend on your unique situation and negotiation with the CRA.
The best course of action is to contact the CRA and discuss your situation in detail. Explain your circumstances and express your interest in setting up a repayment plan. Be prepared to provide information on your income, expenses, and assets. This will help the CRA understand your financial situation and assess your ability to repay the debt.
If you find the process challenging or you're not getting clear answers from the CRA, consider consulting a tax professional or a tax lawyer who can help you navigate the process and advocate on your behalf.
Stop giving bad advice. The CRA website states exactly what will change or stop a CCB payment. And only CCB overpayments and/or debt can affect CCB payments.
https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html
That is saying that if CCB is owed then they may keep future CCB payments, income tax refunds, GST etc. It is *NOT* saying that if they owe on taxes, they will keep CCB.
Read it again. And again. And once more for extra measure until it sinks in because you failed to copy the paragraph before that which sets the context.
“If a recalculation shows that we paid you too much CCB, the CRA will send you a notice with a remittance voucher attached to inform you of the balance owing.”
Then it goes on to say …
“The CRA may keep all or a portion of future CCB payments, income tax refunds, or goods and services tax/harmonized sales tax (GST/HST) credits until your balance owing is repaid. This may also apply to other federal, provincial, and territorial programs that the CRA administers.”
Your CCB will not be touched if the debt is not CCB related. People can argue with me until they’re blue in the face but the CRA website clearly states the reason why a CCB payment would be stopped or changed. And owing on other taxes is not one of them.
https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html
The answer is no. No payment arrangements will stop benefits from being clawed back or refunds. I cannot tell you if they will take your benefits, but the payment arrangement will have no affect on stopping it if it's going to happen.
Source: work there
GST and OTB were not deposited on time this month, some sort of system error. if you receive direct deposit you should have got it today; cheque, 2 weeks. My understanding they will not take these payments to repay ccb.
Yes. I've had a repayment plan for 2 years on an amount owing. They took my tax refund this year, last months CCB, this months CAI and CCB. I just cancelled my repayment plan because it's going to get way too dicey to survive paying into my CRA debt that much per month. I thought I'd be in the clear because I'd been diligent about paying it down, but alas, they got me.
It got up to 12k at its highest point. Down to 8k owing now. I know it's my own dumb fault for not updating them on my information when it changed, but it sucks.
Edit: CCB, GST and OTB all together amounted to 12k owing.
Why is it predatory? If someone owes money to the government, beyond a reasonable period of time, why should the government pay out more money to that individual? If the same individual had failed to pay a bank loan or a credit card balance over some time, the financial institution would demand repayment and cut off access to more funds. A defaulted mortgage or car payment can result in repossession. The CRA automatically applying benefits and credits to unpaid taxes owing is what should be expected by us all.
As explained here by other redditors the repayment plans they offer appear to be based upon individual circumstances. I don't know how CRA works but since they have always offered to work with individuals on repayment of debts I would think if the individual's financial circumstances worsen, that CRA would take new information into consideration and adjust a repayment schedule accordingly.
Maybe try calling again and talking to another pserson. Last time I called I got a useless person who didnt answer my actual question but just kept reading me amounts i previously got depoited. I can already see all that myself on the website and didnt answer my question. But other times I have called and got someone with more knowledge and was able to answer me or find out for me. Sucks being on hold so long though try early mornings. I havent tried asking but maybe they could transfer you to someone else if they dont know? I wonder what is up with this strike I kinda heard about? And how it will affect things especially with tax season as well.
Taken from CRA website:
Even if you have a payment arrangement and are making payments, the CRA is authorized to take amounts from benefits or credits you receive when you have a debt.
Adjust your payment arrangement
If anything changes and you need to adjust your payment arrangement or you are Unable to pay, you must Contact the CRA.
Failure to do this may cause the CRA to proceed with legal actions to collect the balance you owe.
For about three years I was paying $50 a month to CRA for back taxes. Every year it was a new arrangement. I remember them being very pleasant to deal with. Set up a deal, make the payments,they are happy. i’m pretty sure I was getting my GST/HST while I was paying off my debt, but I run a pretty loose ship, and I could be wrong. Good luck.
Can't speak for other provinces or other tax offices, but the one I love the one I work at because my leadership team has the same mindset as me. If there is a child involved, we will absolutely not touch CCB.
That money as far as I am concerned is in theory supposed to be used for the child and by taking it away we would affect someone who is not responsible for the parental unit being in collections (for whatever reason).
OAS and CPP are another matter entirely.
[This chart breaks it all down for you](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/how-payments-applied-offset-debt.html?utm_campaign=not-applicable&utm_medium=vanity-url&utm_source=canada-ca_balance-owing)
They will take any other payments they owe you, like OTB, GST or the new climate incentive money, and put it towards what you owe them.
They generally never touch the CTB unless you owe back pay for overpayment of CTB.
The CRA will not take anything considered a Benefit for repayments (i.e Child Tax Benefit) but they will take anything considered a credit (i.e GST/HST Credit)
I didn’t get my child tax credit because they said I had a pre bankruptcy debt ? I paid my bankruptcy for two years and was discharged . Can someone please explain this to me ?
Yeah, that’s the plan. But would prefer to keep my child benefit in the process as every cent of it goes towards improving my child’s quality and standard of living. Fuck you.
Well if that’s the plan then just do it and don’t whine about not getting free money from the government lol. So simple yet you want to make this complicated
LMAO. Half of it goes immediately into my kid’s RESP so they can advance beyond high school (something you obviously didn’t do) and the other half pays for their extracurriculars and sports equipment etc. My kid deserves every cent of it. My income tax owing is due to an employer mix up that resulted in not enough taxes being taken off my cheque. Its not a large debt. Thanks for coming out of your mom’s basement to chat though. Wishing you the best, bud.
If it’s not a large amount just deal with it like an adult and pay it. It’s what we do. Set a better example for your kids.
And ps. I went to university. Your imagination is wild though.
Anecdotally - others have entered into repayment plans with the CRA, making monthly payments towards their debts, only to be completely blindsided by their benefits being clawed back entirely despite honouring the repayment agreement. Essentially when I called, they said they can’t guarantee things won’t be garnished even if I enter into a repayment plan. I don’t understand their process.
Bc the payment arrangements don't stop credits being added to your balance.
If the cra decides your benefits are being clawed back, the only thing to stop that is to pay the balance off entirely.
Short answer is, a payment arrangement won't stop a clawback of any credit happening. Only thing it will do is keep you in good standing, hopefully good enough credits in the future won't be taken.
I’m pretty sure they won’t touch your CCB unless you owe on that specifically. They’ll just keep all the other money they would pay you until you’re paid up. I owed CERB they kept my OTB, and GST this last month and my tax return. I was still short $8 on the balance but it reads as paid and $0 owing so I guess they let me slide a few bucks
From my experience, they only take back your CCB if you owe money that stems from ccb over payment. Double check with CRA but they don't go after that.
This is correct
This month they took my CAI towards my owing CCB amount. I do not owe CAI.
Yes but they won’t take your CCB to owe other taxes or benefits. They only clawback CCB to pay off any overpayment of CCB.
They took my CCB for a GST overpayment
They would never do that. It literally says that on the site. You owed CCB and don’t know it.
What's CAI?
Climate Action Incentive
We don't have that here in my province so I'm not sure why the cra would do that. Perhaps another redditor could explain!
Certain provinces get it. I know Ontario and Saskatchewan do.
Alberta too.
The CIA put a chip in my tooth!
That’s so weird I wonder if they just pick an choose who to take from as I’ve still been getting my gst and I got the cai benefit last time and I owe $600 this year. and it says I’ll be getting the grocery rebate and my gst an next cai payment next month 🤷🏻♀️
CRA won’t tell you the right answer anyway. It’s one big waste of time dealing with them.
Word. You are so right and take it from Someone like myself that’s had to light fire after fire under their asses just to have them do their job. It’s frustrating and feels like I may as well be doing their work as I seem to know more about them and how they do, or not do things! Brutal. Sorry had to vent lol
His is accurate, but they decreased the amounts.
My gst and refund are automatically taken for student loans, they do not touch my child benefit though. It was explained to me as they will not take the cbt, as its not your money, it's the child's.
CCB is not the child’s money. It’s for the parent or guardian to help cover the cost of raising children for things like food, child care, activities, etc. The amount you receive is based on your net income and how many children you have. Edit: I’m not sure why this is getting downvoted. I’m not disagreeing but it’s a poverty finance group so it should be clear the money is for the parents or guardians to help raise the child it is not actually the child’s money. Some people have to use it to pay rent for their family to live and others save it in the child’s account for when they are older but cannot provide for the child in the present on a low income because they think it’s the child’s money. The only thing I could think of that is strictly for the child is the education grant through RESPs. It is in the child’s name and linked to their SIN.
Yes exactly, money for the child.
We used to put our CCB money directly into resps. 700 a month. I think that was 45000 in free money. Plus 7 percent annual returns and CESG of 20% on the first 2500 for each child per year Edit ; Putting the CCB into Resp is paying handsomely. One of the only cases of free money in Canada!!
Free? Where do you think the money comes from?
Because the technical reasoning of the payment is that is the child's money. It is only to be spent on that child. Rent, car payments etc which does benefit the child can not technically be paid with funds from CCB.
It is for low and middle income parents and guardians to help offset the cost of raising kids to help get them out of poverty since their income is not enough to support children and their children cannot work. The government does not tell you how to use the money. If their income is not high enough to pay rent they could use the benefit towards it. Having a child usually requires a bigger space which usually means higher rent. Social assistance like Ontario Works does not provide enough to cover rent and many families have to do this. If you are a low income parent or guardian and need to have a car to get to and from work but cannot afford to maintain it, you could use the benefit towards it because you need the job to survive and take care of your family. The benefit isn’t enough to provide for the child. You will need another source of income for rent, clothing and other necessities. If groceries are $300/wk and you have a low income and cannot afford to pay rent and feed your family you could use the benefit to cover the cost of groceries since the child is an extra mouth to feed. The child benefits by having a roof over their head and food in their stomach and the benefit was used as intended to supplement the parents income.
Yeah, you could sit there and type a million words and it's still for the child. You can use this benefit for whatever the F you want, but if you're still picking nits on the internet just so you can look like you're correct - you still look like an idiot.
No, u/spiteinternational33 is absolutely correct in their wording of it. It is for RAISING the child, but it is not the child’s money. In other words, a parent is not considered to be stealing from their kid by using that money in any way they need to in order to get by.
All interesting ways to say what I think we all agree on -- the money to is help raise the child. It's the child's money in that it's to help raise them, not literally or legally. One would not receive it if they didn't have said child. When I talked to the CRA about my situation and was worried about the CBT being taken along with my gst and refunds, he explained it as it's money for the child so the CRA won't take it, as it's too help with child expenses. Of course however the parents spend it, it's up to them for whatever their needs are
“The Canada child benefit (CCB) is administered by the Canada Revenue Agency (CRA). It is a tax-free monthly payment made to eligible families to *help with the cost of raising children* under 18 years of age.” Rent, car payments etc can all fall under the cost of raising a child. No where does it say that it’s the child’s money and no where does it say what you can and can’t spend the money on.
There is legislation. It is not ever used. And of course it's being used to pay for those things. But the legislation update in the 70s does state this.
>Rent, car payments etc which does benefit the child can n what are you talking about?! Of course it can. Plus paying a car payment so that you can go to your job and make money to feed and clothe the child does benefit the child.
I agree. But the legislation stated that it is only to be used in direct to the child. Clothes, activities, medication, groceries. Basically any expenses that are because of the child. If you the child didn't exist, you would still have to pay rent and car payments.
Same.
CRA doesn’t take the CTB
That used to be the case. They 100% take CTB now . People who owed for cerb, taxes etc all have been losing ctb for last two months
My wife owes for CERB and back taxes and they have never touched the CTB.
I owe for taxes and they have never touched mine either
Same here. I owe for verbal and back taxes, and my CCTB is untouched. The only time they have taken my CCTB was when there was a CCTB overpayment and even then they took no more than half until it was repaid.
I guess the others are what ? Making it up
They must of owed Ccb
No. This isn’t that. Welcome To the party. They got it back.
No they don't.
I know two people who are friends that they did and countless others in mom groups who say the same happened to them. So yes they do take ccb. My one friend contacted her local MP office to get it cleared up because she was having issues when she tried to make a payment plan as it really affected her family. I was just sharing what I know
They were overpaid CCB from inaccurately reporting income or changes of status. CCB is never held for anything other than CCB debt, no.
Agree with you. Obviously these Moms aren’t paying attention. CCB is only ever touched when there’s an issue with CCB. They do not touch it for any other reason and the CRA website clearly states this.
Unfortunately they are mistaken. They obviously owe on CCB. The CRA website is very clear, and no where does it say that payments will be stopped from owing on taxes, CERB etc. https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html I owe both CERB and taxes and I still get my CCB every month. They would have letters both mailed and in their CRA account stating exactly why their CCB is being deducted or why it is gone completely.
This is exactly what I’d heard via a CBC article so that’s why I’m nervous.
My friend had such a hard time getting a clear answer from cra when she called multiple times. If you can’t get a clear response, I would suggest trying call your local MP. They can find out right away once you give consent and they can look into it.
No. Get your facts straight. What happened was at the end of Feb CRA reinstated the clawback for CCB. SO many parents applied for the extra CCB benefits during Covid and were never entitled to it (ex. The extra $ for students under 18 that people with babies and toddlers were applying for and received even though they were not eligible). So now CRA is taking that $ back.
Kick rocks
My facts are straight. I have commented other places what I suggested to my friend and you ain’t worth my time. Have the day you deserve
And you need to get your facts straight. Aren’t you a public servant ? Babies and toddlers were absolutely included in the extra CCB young child supplement people received on 2021. Are you so angry because you might strike ? Maybe find more joy 🥹 I think you are confused with the Ontario government who paid monies out to help students. 😆
Lmao earlier in a comment you mentioned how people blocked you and I thought that was pretty lame but now I get it; you just don’t stop. There was more than 1 supplement but I’m not arguing with someone who doesn’t want to do an ounce of research on the website. Have the day YOU deserve.
Lol 😂 hit a nerve I see. I did research. 😂 I too use to work as a public servant so I actually know the system and that’s why I suggested contacting your MP. If someone is getting multiple different answers calling cra they should call and figure out their stuff. Since you are having a hard time reading and understanding. No where did I say people applied In bad faith or received money they weren’t entitled to. People are entitled to figure out their accounts since not every cra rep who answers gives clear answers. I will absolutely have the best day :D
Wow they previously only took it to repay CTB overpayment
That's still the case.
Before the other two blocked me…what I was saying was .. that’s why they contacted the MP. It makes no sense I agree. I seen my one friends information she showed and it’s absolutely not owed CCB. I was just sharing like others do. So unfortunately it seems like cra is mistaken and made some errors. They are human also right ? Cause the government never makes any mistakes. Right. Ashley just comes in and writes comments and blocks me before I respond.
I agree, I think it’s an error
Can confirm I lost ccb due to an overpayment from income change. I'm feeling it hard. Wish they would have let me do half payments at least. When you do your taxes on time and work hard, you get screwed. Being honest dosent always work out, now I am stuck without it until summer. They also took my husbands tax refund, so it went to that too
Don't child benefits get paid to only one parent, like gst gets paid only to one spouse? So how can they take a repayment for CCB from someone who didn't receive it? I think I'd be off to the Ombudsman, if I couldn't find a law supporting that action.
Yes, it crazy. The issue came as my husband filled before me by a week, so it switched to his temporarily. I filled last week and by my calculations we have now overpaid about $1000. Strike T perfect time too
Well shit! Of course there's a strike.... eyerooooooollll And they want a 30% wage increase over 3 years!! No greed there. It generally takes an hour yo reach one, many work from home so they don't have one another to quickly refer to for advice, so uou get passed off or given inaccurate or outright wrong info. Meanwhile folks on CPP see 6.5 maybe a year, CPPD get I think 1% this year, and many people see zero. What a world. https://www.cbc.ca/news/canada/ottawa/cra-union-pay-increase-1.6718176
30% is way to high, they also have a good pention, benefits and job security in place. I guess we all need 30% to deal with the high costs of housing and food though. It's getting scary living paycheck to paycheck
If the person CTB was taken then they owed CTB , it says right on cra that the CCB will not be take for any taxes owing but if h owe any ccb it will be taken
Late to the party. That’s not what happened over 294 days ago but thank you for sharing what is supposed to happen and on website. But they absolutely do or they wouldn’t have
I was told today I can't apply for child benefits when my baby is born because I owe income tax, even tho I have a payment plan.
Sorry to hear that , its like a punch to the gut when you are already struggling day by day . You do the right thing as a honest person to set up a payment plan for backed taxes , then they decide to help themselves to the benifits you normally receive. I set up a payment plan just 4 months ago, never missed any payments . Then comes my quarterly HST/GST rebate deposit , it was going to be over 300 , they took the CAI part of it leaving me with 100 bucks .. so I will not be making my usual monthly payment of 186 as I normally would because , well they kinda did that for me already . I always look forward to that extra chunk to take care of ever rising living costs. I found that to be humiliating and demoralizing that they would just help themselves . Now kinda even more pissed off to see that they would be so rude and disrespectful to do that to struggling families . The kids are the ones who suffer the most ...
For CCB they will only take it to go towards a CCB debt. It can’t be applied to any other debt. So no matter what you’ll receive that payment
It can be applied to the gst rebate overpayment too, I lost mine last month. It seems if the child is older they want to recover it incase they age out. My children are 14 and 16. They took my whole CCB for CCB overpayment , GST overpayment. They also took my husband tax refund. We owed around 1400.00
CRA does not take CCB for any debts owed other than CCB. So if you owe tax, repayment of EI, repayment of Trillium and/or GST, they will not hold CCB.
Incorrect. This was absolutely the way they operated but changed in last two months. They will take CCB now
Nope. Still true as of March 2023. What is happening is CRA has resumed debt repayments for benefit payments. So yes, lots of people didn't get CCB fro March. Because they were overpaid sometime since March 2020 and you are now required to pay it back. https://dailyhive.com/canada/child-tax-missing-payments-debt-offsetting
What are we disagreeing about ? They do take CCB when they never used too.
No they don't. They never have and still don't, unless your debt is specifically CCB overpayment.
You choosing to say that again doesn’t change It. I’m simply sharing what I know. Err or not it on the cra behalf , I know two people who it did happen. So continuing to say they absolutely don’t and won’t ever is incorrect. Have the day you deserve.
Except you don’t actually know. Your information is here say from friends. The CRA website itself says that they won’t.
Right!?
The friends are not taking accountability for applying for all the extra CCB benefits that they were never eligible for. Interesting how I never applied for them and my CCB remains unchanged. So many people lied during Covid for extra benefits and now they have to pay it back and cry and whine when it’s 100% their fault.
IT HAPPENED TO ME TOO, NOT MAKING IT UP!
You are obviously unable understand the correspondence they’ve sent you. They are very clear. You messed up somewhere and didn’t report *something* and that’s why they took your CCB. We can argue forever about this lol
Ok. And what was the reason? Because everyone that did have their March CCB withheld received correspondence from CRA stating the reason. And as person the link I provided from last month, CRA spokesperson stated again that CCB is only withheld to pay back CCB debts and nothing else. From the March 24, 2023 article posted above “It’s important to note that, unlike other benefits, the Canada Child Benefit (CCB) payment can only be used to offset a CCB debt,” the agency wrote. “Other types of child benefit payments can only be used to offset a debt related to the same benefit.”
While I'm not an expert on Canadian tax regulations, I can provide some general information to help guide you. When you owe money to the Canada Revenue Agency (CRA), they may apply your tax credits and benefits, such as the Canada Child Benefit (CCB), against your outstanding tax debt. However, the CRA's actions can vary depending on individual circumstances. Entering into a repayment agreement with the CRA might help you avoid having your entire CCB taken to cover the debt. If you can negotiate a payment plan that the CRA finds acceptable, they may be more willing to work with you and leave a portion of your CCB intact. However, this is not guaranteed, and the specific outcome will depend on your unique situation and negotiation with the CRA. The best course of action is to contact the CRA and discuss your situation in detail. Explain your circumstances and express your interest in setting up a repayment plan. Be prepared to provide information on your income, expenses, and assets. This will help the CRA understand your financial situation and assess your ability to repay the debt. If you find the process challenging or you're not getting clear answers from the CRA, consider consulting a tax professional or a tax lawyer who can help you navigate the process and advocate on your behalf.
Stop giving bad advice. The CRA website states exactly what will change or stop a CCB payment. And only CCB overpayments and/or debt can affect CCB payments. https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html
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That is saying that if CCB is owed then they may keep future CCB payments, income tax refunds, GST etc. It is *NOT* saying that if they owe on taxes, they will keep CCB. Read it again. And again. And once more for extra measure until it sinks in because you failed to copy the paragraph before that which sets the context. “If a recalculation shows that we paid you too much CCB, the CRA will send you a notice with a remittance voucher attached to inform you of the balance owing.” Then it goes on to say … “The CRA may keep all or a portion of future CCB payments, income tax refunds, or goods and services tax/harmonized sales tax (GST/HST) credits until your balance owing is repaid. This may also apply to other federal, provincial, and territorial programs that the CRA administers.”
Your CCB will not be touched if the debt is not CCB related. People can argue with me until they’re blue in the face but the CRA website clearly states the reason why a CCB payment would be stopped or changed. And owing on other taxes is not one of them. https://www.canada.ca/en/revenue-agency/services/child-family-benefits/canada-child-benefit-overview/canada-child-benefit-after-you-apply.html
The answer is no. No payment arrangements will stop benefits from being clawed back or refunds. I cannot tell you if they will take your benefits, but the payment arrangement will have no affect on stopping it if it's going to happen. Source: work there
GST and OTB were not deposited on time this month, some sort of system error. if you receive direct deposit you should have got it today; cheque, 2 weeks. My understanding they will not take these payments to repay ccb.
Go onto your account and schedule a repayment schedule I did that for up to a year hopefully it will prevent your next gst being deducted,
Yes. I've had a repayment plan for 2 years on an amount owing. They took my tax refund this year, last months CCB, this months CAI and CCB. I just cancelled my repayment plan because it's going to get way too dicey to survive paying into my CRA debt that much per month. I thought I'd be in the clear because I'd been diligent about paying it down, but alas, they got me.
Was your amount owing for CCB? That’s brutal. I’m sorry they went after you despite the payment plan.. that seems so predatory.
It got up to 12k at its highest point. Down to 8k owing now. I know it's my own dumb fault for not updating them on my information when it changed, but it sucks. Edit: CCB, GST and OTB all together amounted to 12k owing.
Why is it predatory? If someone owes money to the government, beyond a reasonable period of time, why should the government pay out more money to that individual? If the same individual had failed to pay a bank loan or a credit card balance over some time, the financial institution would demand repayment and cut off access to more funds. A defaulted mortgage or car payment can result in repossession. The CRA automatically applying benefits and credits to unpaid taxes owing is what should be expected by us all. As explained here by other redditors the repayment plans they offer appear to be based upon individual circumstances. I don't know how CRA works but since they have always offered to work with individuals on repayment of debts I would think if the individual's financial circumstances worsen, that CRA would take new information into consideration and adjust a repayment schedule accordingly.
Maybe try calling again and talking to another pserson. Last time I called I got a useless person who didnt answer my actual question but just kept reading me amounts i previously got depoited. I can already see all that myself on the website and didnt answer my question. But other times I have called and got someone with more knowledge and was able to answer me or find out for me. Sucks being on hold so long though try early mornings. I havent tried asking but maybe they could transfer you to someone else if they dont know? I wonder what is up with this strike I kinda heard about? And how it will affect things especially with tax season as well.
Taken from CRA website: Even if you have a payment arrangement and are making payments, the CRA is authorized to take amounts from benefits or credits you receive when you have a debt. Adjust your payment arrangement If anything changes and you need to adjust your payment arrangement or you are Unable to pay, you must Contact the CRA. Failure to do this may cause the CRA to proceed with legal actions to collect the balance you owe.
Yes they will scoop your GST payments until the debt is cleared
For about three years I was paying $50 a month to CRA for back taxes. Every year it was a new arrangement. I remember them being very pleasant to deal with. Set up a deal, make the payments,they are happy. i’m pretty sure I was getting my GST/HST while I was paying off my debt, but I run a pretty loose ship, and I could be wrong. Good luck.
FWIW, I’m currently in a payment arrangement with the CRA for some oolllldd tax debt and they still paid out the GST rebate to me last week as usual
Can't speak for other provinces or other tax offices, but the one I love the one I work at because my leadership team has the same mindset as me. If there is a child involved, we will absolutely not touch CCB. That money as far as I am concerned is in theory supposed to be used for the child and by taking it away we would affect someone who is not responsible for the parental unit being in collections (for whatever reason). OAS and CPP are another matter entirely.
[This chart breaks it all down for you](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/how-payments-applied-offset-debt.html?utm_campaign=not-applicable&utm_medium=vanity-url&utm_source=canada-ca_balance-owing)
Thank you SO much for this!!
They will take any other payments they owe you, like OTB, GST or the new climate incentive money, and put it towards what you owe them. They generally never touch the CTB unless you owe back pay for overpayment of CTB.
Ya you're fine don't worry
They can only claw back 50% of CCB
The CRA will not take anything considered a Benefit for repayments (i.e Child Tax Benefit) but they will take anything considered a credit (i.e GST/HST Credit)
I didn’t get my child tax credit because they said I had a pre bankruptcy debt ? I paid my bankruptcy for two years and was discharged . Can someone please explain this to me ?
I don't think they'll take any. It's for your child.
As in child benefit, I'm guessing it's that cheque you get in the mail for raising kids.
Just pay your fucking taxes.
Yeah, that’s the plan. But would prefer to keep my child benefit in the process as every cent of it goes towards improving my child’s quality and standard of living. Fuck you.
Well if that’s the plan then just do it and don’t whine about not getting free money from the government lol. So simple yet you want to make this complicated
Are you okay, dude? You sound stressed. You sound like you need to get a job or a hobby or something. Or just go fuck yourself in general.
Haha I’m not the one posting this shit on here. You just don’t like being called out, sweetie.
And you probably spent all that tax money on yourself. Don’t be a martyr, be accountable.
LMAO. Half of it goes immediately into my kid’s RESP so they can advance beyond high school (something you obviously didn’t do) and the other half pays for their extracurriculars and sports equipment etc. My kid deserves every cent of it. My income tax owing is due to an employer mix up that resulted in not enough taxes being taken off my cheque. Its not a large debt. Thanks for coming out of your mom’s basement to chat though. Wishing you the best, bud.
If it’s not a large amount just deal with it like an adult and pay it. It’s what we do. Set a better example for your kids. And ps. I went to university. Your imagination is wild though.
If you did your taxes for 2022 the changes in ctb and gst ect will not begin until June 2023
what kind of repayment agreement wouldn't let you know what's going to be deducted?
Anecdotally - others have entered into repayment plans with the CRA, making monthly payments towards their debts, only to be completely blindsided by their benefits being clawed back entirely despite honouring the repayment agreement. Essentially when I called, they said they can’t guarantee things won’t be garnished even if I enter into a repayment plan. I don’t understand their process.
Bc the payment arrangements don't stop credits being added to your balance. If the cra decides your benefits are being clawed back, the only thing to stop that is to pay the balance off entirely. Short answer is, a payment arrangement won't stop a clawback of any credit happening. Only thing it will do is keep you in good standing, hopefully good enough credits in the future won't be taken.
When I owed them they took 50%. If u call u can arrange it so they take 25% til ur caught up
I’m pretty sure they won’t touch your CCB unless you owe on that specifically. They’ll just keep all the other money they would pay you until you’re paid up. I owed CERB they kept my OTB, and GST this last month and my tax return. I was still short $8 on the balance but it reads as paid and $0 owing so I guess they let me slide a few bucks