Freds DCa were Chasing outstanding HMRC debt, now HMRC have started PAYE deduction

[Baz1994]

My OH had previously been chased for an old outstanding amount of approx £3,500 in which she previously queried with HMRC requesting further details.

 

No explanation was forthcoming and she received her new tax code details and in which they have deducted over £300 last month from her monthly pay in which has caused no end of problems and upset.

 

Quickly looking at approx amounts it seems that they have set-up a repayment plan over 12 months, in which she cannot really afford at the moment.

 

Can she contest the existing plan due to unaffordability and that it was previously disputed ?

 

Shall I get OH to send a Subject Access Request to HMRC ?

 

Any advice would be appreciated thank-you.

[fkofilee]

For Ref

 

http://revenuebenefits.org.uk/tax-credits/guidance/how-to-deal-with-hmrc/dealing-with-debt/

 

I suggest you review this as I believe it should help you.

[Baz1994]

Many thanks fkofilee

 

I will have a read up asap.

 

In the meantime to try and establish correct processed applied can she still submit a SAR to HMRC ?

[fkofilee]

She can submit a SAR anytime she wants...

[Baz1994]

Thank-you and I will ask her to do so.

 

I have located details of some DCA company Fredrickson chasing the debt last year in which OH disputed and requested details.

 

Never heard anything further until now with HMRC deducting funds from bank account.

 

It has seriously caused no end of problems, un-paid direct debits etc hence knowledge of issue.

 

Sure it can be done online.

[fkofilee]

Ignore Freds if they come knocking... DCA on government debts are like a strawman to fire...

They are useless and can't don't anything...

 

Contact HMRC and find out what is going on

[Baz1994]

Ok and cheers again. I was bemused by contents of there letter - No evidence as to what it related to just a demand payment for said amount.

 

I will ask her to do so tomorrow.

[slick132]

Hi Baz,

 

Save your money - a SAR may not help you with this.

 

Instead, I'd write to HMRC asking for an explanation of:-

 

1. When the alleged tax arrears arose.

 

2. The reason the arrears arose.

 

3. Why HMRC is recouping the alleged arrears via the PAYE tax code at a rate that is causing serious financial difficulties.

 

Do you have any idea why these arrears may have occurred. Maybe there was a second (full or part time) employment, or earnings from self employment.

 

Tax arrears of £3,500 would suggest untaxed income of over £15,000.

 

[dx100uk]

HMRC SAR is free..

 

 

dx

[Baz1994]

Ok many thanks slick132

 

This is what I am trying to establish with OH as maybe something to do with sale of shares. She did previously ask for clarity when previously contacted by Fredricksons but received no further explanation.

 

as dx mentioned SAR is free online so will proceed with that anyway to see if any information was not received.

 

As previously mentioned, if the debt needs paying and is justified then of course it will be addressed. The issue is that OH cannot afford losing £350 a month.

[slick132]

Hi Baz,

 

If the SAR is free with HMRC, it would be rude not to !!

 

Is it possible there was Capital Gains Tax liability after the sale of shares. If so, this would normally be assessed and the tax payable in one go. Maybe they're collecting via PAYE because the collection by assessment failed ?

 

[Baz1994]

OK thanks again slick132

 

Will get SAR sorted and then take it from there.

 

You maybe right but will await clarification and will post up reply.

 

Thank-you all

[dx100uk]

https://online.hmrc.gov.uk/shortforms/form/DPU_SAR

[Baz1994]

Thanks for that dx.

 

OH has now completed on-line request.