I dealt with a mum yesterday who was in tears because that morning she had received a phone call from fraud investigation, had her PPS cancelled and a debt of $52,000 raised - I treated her with dignity and was kind, helpful and non-judgemental, but she couldn't look me in the eye she was so embarassed - she is potentially facing prosecution. She told me she had been meaning to do the right thing all along (4 years) but couldn't bring herself to do it because she knew how much she was going to owe - in the end someone else provided the information in the form of a tip off. If you know someone is doing something wrong, report them NOW so it doesn't get worse for them. You'll potentially stop them from having a criminal record.