When my ex husband died a few years ago I inherited our small home (flat). I was living in rented accommodation and did not want to live in the flat so in the 2013/14 tax year I rented it out and it has been occupied since. Recently, a former colleague and friend who was doing my Self-Assessment tax returns has had a complete breakdown and will not be fit and well for the long term. I since discovered that no Self Assessment tax returns were submitted, the whereabouts of my paperwork is unknown and I'm not registered for Self-Assessment. I accept that this is partly my own fault; when I was told I did not need to submit a tax return as there was no tax to pay, I should have questioned it. The amount of tax owed is very small (around £700) I decided to make a voluntary disclosure to HMRC under a campaign for landlords called the Let Property Campaign. I worked out what I owed, completed an online disclosure (including selecting my own penalty) and paid HMRC. I am just awaiting their confirmation that this has been accepted but verbally they have indicated all is OK. In the meantime, sick of paying rent myself, and discovering my landlord is selling the property that I live in the for the second time in two years, I am buying a small house. I have found a house, have a decision in principle for a mortgage and now the house buying process is moving forward. This is a life saver for me in some respects, living in rented accommodation is very depressing and being unable to have children, I need something to live and work for so having my own home will change my world in many ways. As I am older, single, only have 15 years working life left and have a below average credit score, I am using a mortgage broker as these circumstances narrow my options somewhat. The problem is that the mortgage company I have a Decision in Principle from (as do most mortgage companies) require official documentation that my tax affairs are all up to date; this would be in the form of a SA302 and/or Tax Year Overview. Had I had the confidence to do my own tax returns, I would have been able to get these documents from my Self Assessment records. But because I have paid my tax via the disclosure route, all I will get is an acceptance letter from HMRC saying "yes, we accept your disclosure and confirm that you have paid £700 tax due for the last three tax years”. Now it seems that this may not sufficient for the mortgage company. I have tried a few times to speak to someone at HMRC but it is a frustrating process and I am getting nowhere. Please does anyone know how I am going to be able to provide the mortgage company with something that will suffice so I can get a mortgage and get out of this downward spiral of depression that my life currently is. Thanks for reading

Hello everyone I hope this is the right part of the form I am posting in, I am seeking some help and advise. In January 2012 I approached a high street mortgage broker and asked him if he could secure a mortgage in the house that I live in as my landlord wants to sell the house. So this mortgage adviser showed me all the deals he had, he was offering packages that you pay a one off fee and that covers the solicitor costs and the survey fee and brokers cost. I went for the deal and paid £500.00, plus I handed him all my personal information, about 3 weeks later I called him up to enquirer how the progress was and he sounded very happy and said its been approved etc. As time started passing by I did not hear from him, so I turned up at his office, and found the place to be shut, with royal mail post pilled up. I knew it straight away that I have been fooled by this man, so I asked the next-door cafe and they told me that people are after this broker he has stolen a lot of money from clients and has gone:!: Now I do not have a clue what to do, so like a snail I started to work around this persons whereabouts etc. I contacted the FSA who informed me that this broker was struck off in June 2010:-x and they do not have his forwarding address and either can they disclose that due to DPA. I tried to call his mobile that he did answer and said, oh I am working from home bla bla something I did not believe and said, sorry you are messing me around I want my money back ect so in return he said come to my office and sign the paper work end of week, when I went no sign of him, and his phone switched off so I sent him a text message saying I am going to the police and FSA ect. In return I received a message from hm saying" Oh I am sorry I am in hospital having a bowl cancer operation then it all went dead, no text no post no phone:mad2: When I got home, I knew I will never find this man I only had his full name, so I typed it into Google Search and a lot of intresting stuff had come up:jaw: from this point I knew I can track him down, I used 192 and 6 address come up but which one was it? I remembered him talking to his wife on the phone when I was at his office so found the same 2 names under one address, and went on a long drive looking for him 60 miles away from his office. I knew it will be a hit or a miss, but I did not care, when I got to this massive beautiful bungalow I knocked on the door no answer, so I peeped into the front window, and guess what?? surprise surprise it was Mr XXXXXX XXXXX picture on the wall lol (The Lord Is Great) lol so I knocked on the next door bungalow A really old gentleman answered the door and said" yes how can I help you, I said I am looking for a friend of mine he has not been seen etc so he told me that the person I am looking for is in Hospital. Now I had a positive lead so I went back home and contacted his county hospital and they passed me around and around then I got told what ward he is on and what his bed number was the next day I went with flowers and a card, to see him I was very happy but Mr xxxx was not happy at all, he showed no intention or remorse of what he had done, so I walked out and asked this lady who was before me if she was his wife, and the answer was ex wife, I told her what her ex hubby had done, and she told me that he is a sick twisted man, he had conned lots of people out and he was in las vegas having fun with everyones money:mad2: Sorry for taking your time guys now I only have one option that's to take it to court, so can you please tell me shall i issue court proceedings online? And can I claim my expenses from this man, the time that I put into finding him and writing letters demanding money back? I posted everything recorded and I also have his hand written recite of £500.00 with the date on it. Please show me the way thank you everyone