HMRC debt

[cuteypaula1]

Hi

My husband has an old tax bill,

he has paid around £1000 back but still owes £1500

I have been acting on his behalf and have had payment plans in place

however a few have failed and now they will not accept a payment plan.

 

They said a letter is in the post,

i think enforcement was mentioned.

 

We have no money in the bank ,

no savings,

live in a small rented bungalow and our biggest asset is a van my husband owes money to my mum or, he uses it for his business.

 

We are both self employed

i have made a loss this month

he is averaging only around £500/month at the moment.

We have a 1 year old baby.

 

Please, anyone been in the same position, what will they do next?

[unclebulgaria67]

Going by what i have read, The letter will just demand payment and list enforcement options. The debt may end up with a debt collection agency, who will arrange a payment arrangement. HMRC just don't want to do the admin.

 

Come back once you have the letter.

 

Unless they have a court order, they won't send anyone out with enforcement powers, if that is what you are fearing. Different matter if your hubby has been taken to court already.

[cuteypaula1]

Actually received the letter later today and it just says we have to pay in full or they will pass to a debt collection agency! Have written them a reply but dont hold any hope for them to care about our situation!

[unclebulgaria67]

It is worth asking for information e.g Data Protection subject access request ( No fee required to HMRC) and ask for a breakdown calculation. The amount being requested might be wrong ?

 

If you search threads on this site, debts get chased by a DCA but not much seems to happen. Would be up to HMRC to take any enforcement actions.

[cuteypaula1]

The letter doesnt use the word enforcement anywhere, just debt collection agency, so if we get a letter from them then we will make a monthly offer of payment, just as we did ith HMRC, seems silly really!

[unclebulgaria67]

Not really. HMRC don't want to employ Civil Servants handling payments over a long period, as that costs money e.g staff salaries, pensions, office space. Far cheaper to get a DCA to handle payments.

 

If the debt is correct and you want to pay, come to an arrangement with the DCA that is affordable.

[dx100uk]

Get the free sar done on the hmrc website

 

Ignore the DCA totally

They are not bailiffs

And are totally powerless

[cuteypaula1]

The SAR form on their website seems to be relating to national insurance, this is for tax, am i missing something somewhere?

 

Sorry, i think i have found it thank you!

 

Have written back to HMRC today so will await their repsonse and hope we dont get any 'visits' in the meantime!

Thank you

[dx100uk]

doesn't matter what visits you get

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS

 

if they do call [very remote chance]

 

simply tell them to leave your property or you'll call the police 101.

[cuteypaula1]

i wrote to them again and have called them today,

they have the letter but it can take 8 weeks to process!!

 

they still refuse to set up a payment plan and a field officer will visit and i will have to discuss things with them....

 

.so if hmrc direct wont accept £40 per month,

are these officers going to accept less?

It seems to make no sense really.

 

What do these field officers actually do?

[dx100uk]

make sure they are from HMRC ask to see their ID

if it says advantis or Past due credit or whatever

they are a DCA and can be told to do one.

 

dx

[cuteypaula1]

They said it would be a field officer so assume someone actually from hmrc rather than anywhere else?!