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Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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I have an issue with HMRC and APN demands which I can't

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Hi I have an issue with HMRC and APN demands which I can't possibly pay. What kind of lawyer should I speak to.

Hello my name is ***** ***** I will help you.

How much is owing please?

Customer: replied 1 year ago.
Hi over 3 years tax plus NI it's almost 30k. I don't have this as I was out of work all of 2015. I've already told this to HMRC. I can't afford the extra phone charge.

have you tried to negotiate a repayment plan?

Customer: replied 1 year ago.
I've asked them to write some of it off bearing in mind Cameron'slaw was backdated. It will take me a decade to pay it back. I'm losing currently a third of my salary to rent being in London & as I now pay PAYE & tax is high (1200)

Ok. Do you own any assets?

Customer: replied 1 year ago.
No. I don't own a home or a car or anything. As I told them all I have is body parts (which isn't that funny)

Ok. It may be that you could go bankrupt. After twelve mo this you are released and the debts written off.

In reality this should be something that you consider if you owe £30k and don't have any assets.

It would write off all debts you owe, not just HMRC.

Or you could consider an IVA but you can be tied in for five years.

If they refuse a repayment plan they could make you bankrupt anyway, but it's something to consider.

Can I clairfy anything for you about this today please?


Customer: replied 1 year ago.
If I go bankrupt does that mean I could never buy a property? I would one day like to stop renting. If I choose bankruptcy how do I go about it?

No, there are mortgage companies who will consider you once discharged.

It makes it harder, but not impossible, there are specialist brokers.

You should seek advice from CCCS there are a specialist charity debt counselling place. They can help you forward.

Does that clairfy? Alex

They are called step change now......

Customer: replied 1 year ago.
should I wrback to HMRC first to once again state that I have no means? They have written off plenty of people with tax credits & other cases apparently? Should I consider getting my MP involved although I tried that & he never got back to arrange an appointment
Customer: replied 1 year ago.
Or are you able to help with a letter presumably there is a charge for this. As I'm sure you can appreciate this whole saga has caused a lot of grief including depression, sickness etc. The fact that my dad became seriously ill last year then passed away alongside has been extra.

Sadly I can't as this is a question and answer site. I can only tell you what to do. But speak with Step Change they can assist you in that regards.

Can I clarify anything else for you? Alex

Customer: replied 1 year ago.
Ok but should I write to HMRC again?

Yes I would and say you are going to see Step Change. They can then correspond with them.

Does that help? Alex

Ash and other Law Specialists are ready to help you
Customer: replied 1 year ago.

Good luck.