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Hello, I am one of the experts on Just Answer and pleased to be able to help you with your question.
You must advise HMRC of your problems and negotiate a repayment regime that you can afford and that they will accept. That is the way forward now. Do this in writing so you have a hard copy of what you have suggested.
I do hope that you have found my reply of assistance.
Then complain about their lack of service. The procedure is here:
Such treatment is utterly intolerable.
You I know HMRC do not like letters as they have to be responded to and what has been said recorded, tough!
Thank you for your excellent support.