- Apr 5, 2013
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So I get home from a job interview yesterday to a letter from the HMRC. According to them, I've underpaid my tax to the tune of £1400 over 2 years. As I don't have a job, they can't adjust my tax code, they've given me the choice of the following. Pay off using 5 months worth of job seekers or have bailiffs come round. Cue a phone call to the HMRC who kindly informed me as I didn't agree to either terms, and asked for a recalc, said they'll take me to court or cut off the JSA.
Spoke to CAB, who said its all perfectly legal as technically it counts as a payment plan. I spoke to my various companies that I pay bills too, explaining the situation, they've been reasonably helpful. One freezing payments, but still accruing interest, one freezing payments until I have money coming in (and accumulating no interest) and my phone company have been less than helpful, saying pay out the contract, or sell my phone to pay out the contract, and the remainder making the choice of pay or default. I never got PPI with the cards, as I saw it as a con (I was 18 when I got them, been reasonably good with the cards, never going near the limit, always making payments, mostly in full, but some months (July/Sep/Oct) I couldn't as the car AND boiler packed up, so had to use the cards as emergency funds and pay back what we could.
Went to an accounting lawyer for a 1 hour free consult. Seems going to court is my only option, however I will also incur the HMRC fees on top, but in the mean time, I have to pay out.
So no christmas for me/wife/daughter I'm now stuck, as I have zero funds coming in, £90 going out. This will force me into an overdraft which will add £25 a day fees. Any advice is helpful, we've cut back where possible, and the mrs wage is used up on her bills/mortgage/car.
Spoke to CAB, who said its all perfectly legal as technically it counts as a payment plan. I spoke to my various companies that I pay bills too, explaining the situation, they've been reasonably helpful. One freezing payments, but still accruing interest, one freezing payments until I have money coming in (and accumulating no interest) and my phone company have been less than helpful, saying pay out the contract, or sell my phone to pay out the contract, and the remainder making the choice of pay or default. I never got PPI with the cards, as I saw it as a con (I was 18 when I got them, been reasonably good with the cards, never going near the limit, always making payments, mostly in full, but some months (July/Sep/Oct) I couldn't as the car AND boiler packed up, so had to use the cards as emergency funds and pay back what we could.
Went to an accounting lawyer for a 1 hour free consult. Seems going to court is my only option, however I will also incur the HMRC fees on top, but in the mean time, I have to pay out.
So no christmas for me/wife/daughter I'm now stuck, as I have zero funds coming in, £90 going out. This will force me into an overdraft which will add £25 a day fees. Any advice is helpful, we've cut back where possible, and the mrs wage is used up on her bills/mortgage/car.
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