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Council Tax single person discount (SPD)
Hi, I live on my own in Wales and claim the 25% discount. A friend uses my address as a mailing address only. She rarely visits, never stays overnight and I give her the mail around once a month. Now the local council have queried whether she lives here and are questioning my SPD. I've confirmed to the council that she…
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Pension Tax refund delay
Hello all, I applied for a refund of tax paid on a small lump sum from a pension in November 2021, HMRC have told me today there is a massive backlog on refunds and could be some time before I receive mine. Just wondering if anyone else has had a long wait? It's less than £2000.
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HMRC debt in my name
Hi, I have a vat bill/debt from 2022 from my exs company set up in my name. its for £6500, i contacted the debt collection company chasing it and offered them a full and final settlement of what I could. I'm a single mum of 2 on a low income so don't have spare money to pay! They said no and sent the debt back to HMRC. I…
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Marriage allowance and savings tax.
Hi, I am hoping somebody can help, I have been trying to find out how the marriage allowance affects tax on savings. I have transferred the marriage allowance to my husband for several years. I decided to take my pension early, last July, which will take me over the personal allowance but the HMRC will not be changing this…
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CGT - Help
I need to pay CGT and have come across a accountant company through FB it's named TaxRfundsRus. Has Amy body used them before? I have been quoted £250 plus vat for CGT for 1 person. Or should I use someone local to me? Thanks
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Help on Self Assessment Tax Return regarding Foreign Interest
I have a small share investment plan with Weathify. On their end of year information, it says the plan received a small amount of untaxed 'foreign interest' (under £10). On my tax return it says to put in the stated amount (not a problem), and then it asks me to put the name of the country where the interest arose in 'any…
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Situation and what options
Homeowner with mortgage and approx 70k in savings Salary 105k plus a 5k bonus (don't always get it) Put 15k into a pension and 20k into ISA For years haven't bothered to try to reduce what income tax/N.I. is paid over the year but never been so unhappy about the way the country is run and where the money is going so…
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Delivery charge
I sell 2nd hand furniture and add a delivery charge to my listing which is seperate from the cost of the item...my question is does that delivery charge have to be added to my turnover as it is quite alot and although I receive the delivery cost it is then passed onto my courier
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Can I pay corporation tax in instalments?
Hi [15/08/2025] My question: I owe HMRC a lot of money and want to budget the payment before it is due next year. The amount is large enough that I don't want to keep it in my account in case I need it for an emergency. Can I do that? Anyone with experience? [18/08/2025] Answer: There are two options for someone like me…
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IHT on overseas pensions after (or even before?) April 2027.
On my read of them, the govt's attempts to sort out the expected mechanics of applying IHT to unspent pensions appear to show up well a potentially large problem with overseas pensions. The core of the problem is that overseas pensions will not (likely, cannot) work with the govt's suggested way through this. None will…
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Stamp Duty / Welsh Land Tax
Can anyone please advise ? I have a buy to let property with no residential property .I am looking to now buy a residential property with my partner in joint names . Will this mean I will have to pay the higher land tax on my new residential property ? The residential is a higher cost approx £500K than my BTL (£230000).…
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How do retirees plan tax around SIPP withdrawals?
I recently retired early at 56 and got all my savings/pensions in order. I operate a cash ladder type strategy for the early years. ie I am holding around 4 years of living expenses in high interest easy access savings, fixed term bonds of varying duration and dividend paying ETFs/stocks. I also have global index stock…
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HMRC 6 month backlog on refunds? Anyone else?
After submitting 23/24 SIPP contribution figure (via SA) to HMRC in Oct, my OH's account is showing that she is due a (correct) c.£2k refund to cover the additional relief for a HR tax payer. She requested the refund Oct 28 and has the reference (&screen shots) to evidence it. The standard statement indicates it should be…
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Self Assessment Refunds Taking Forever....! Why?!
You can expect a reply by 16 September 2025 This date is an estimate and may change. More information HMRC has security measures in place to protect customers which may cause a delay. We may need a further 12 weeks after 16 September 2025 to issue your repayment. We are currently processing claims received on 12 May 2025.…
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Inheritance Tax
Hi, Tricky one this but hope you can assist. In March this year my Auntie passed away, I am her only living relative and the residuary beneficiary of her will. Her partner, (never married and I believe never in a civil partnership) of over 40year passed away in April 2024 leaving 51% of the house and all contents unless…
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Reducing IHT via rental property transfer
My 80 year-old mum owns a flat which she rents out for income. There is no mortgage and it’s worth about £400k. She also has a mortgage-free residential home worth about £575k. We’re wondering if there’s a way to put the rental property into some sort of trust in order to reduce IHT? She has five children and no spouse. If…
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Second Home and IHT
Very grateful for some advice on IHT please. My parents, who are almost 80, bought my sister and her family a house around 20 years ago (no mortgage). My parents put their own names on the title deeds, as well as my name and my brother’s name. So, we each own one-third. My sister moved out a few years later, and my parents…
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Winter Fuel Payment and taxation
I am a pensioner. My income is above £35,000. I contrive to keep my income within the 20% tax band so as not to lose the Marriage Allowance. If the Winter Fuel Payment were thrust upon me, would this increase my taxable income (potentially pushing me into the 40% tax band)? Is this a circumstance where I need to opt out?
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How to guarantee a letter gets to HMRC !
I have now used Royal Mail three ( yes three ! ) times to try and get a letter to HMRC The first two were signed for but when I checked the tracking neither left the actual post office !. I got my £4 back but thats not the point the letter was important ..so this time I sent it guaranteed delivery next day which cost me £8…
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Paying IHT On Unused Pension Fund After 5.4.27
Reading through the Government Consultation Outcome dated 21st July 2025 it says that if a beneficiary takes the pension in full and pays the IHT charge themselves they can contact HMRC for a refund for any income tax paid on the IHT charge. Example All NRB and RNRB used, beneficiary is in the 40% income tax band.…
