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child tax credits and bank account

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hi there

I was wondering if someone in the know could advise.
I had to change my bank account and was advised by tco to write in which i did last week. They have not yet updated the records so i dont think i will get my payments in time this month however when i called for an update today, i was told:

It can take upto 2 weeks because they have to look into why im changing accounts (have advised why i am) its now going into husbands account. Apparently some people can defraud by changing accs regularly? Did anyone else know this? I am totally genuine but im hoping it wont take much longer? isnt just a case of them change the bank details?

Why do some people know how to fiddle everything which makes life more difficult for the genuine ones!!
Sorry rant over lol x

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