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Payments on account for savings interest?
Assuming your only income were to be savings interest, or you were to earn more in savings interest than from PAYE/pension, would you liable to pay payments on account to HMRC? It's unclear from what I can see online, as everything talks about tax, but also class 4 NICs, indicating that it's applicable from some form of…
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HMRC reminders
Here is an image of the HMRC email. I submitted my tax return on 06 April 2025. I still get unrelenting email reminders with a threat of penalty in every email. The teabag thing is a further insult.
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Possible major change to how we pay our income tax from tax year 2029
An item not generally reported In the latest budget was a proposal which will affect PAYE and self assessment tax payers. They are proposing that self assessment
taxpayers with PAYE income will pay their self assessment liabilities
in-year via PAYE from April 2029.They want to make a mandatory adjustment to your tax code…
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Unmarried couple with two properties - CGT & Council Tax queries
Bit of a long thread, but I want to ensure I remain compliant with tax laws but do not over-pay unnecessarily: * My partner and I - we are not married and will not be getting married - have sold our two flats that we owned before we met. * He will stay with his Mum until we purchase a house together, hopefully later this…
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Getting under Scotland advanced income tax via pension contributions
Hi there , does anyone have a calculation based on the revised advanced Scotland income tax level of 48%, what is the maximum monthly salary you need to aim for to get under that level via salary sacrifice pension? My salary is rising this year and want to be sure I continue to contribute enough to get the remainder taxed…
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Struggling to pay back a LTD company tax bill
Hi, I've been struggling to pay back huge debts over the years but it's got to the point I can no longer pay them as they currently stand. I'll try to cut a long story short. Started an online business as a sole trader. After x amount of years, turned that business into a limited company. Received bad advice from an…
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External examiner fees (research degree) in tax return
I hope this is an appropriate place to post this. I am academic staff in a UK university (University A) and last year I was invited to be external examiner in a PhD viva examination for another UK university (University B ). Not sure if relevant, but I used to work for University B many years ago, and currently I work for…
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IHT on pension pots under existing rules
Over the years I have built up DC pension pots in various personal, executive and SIPP pensions. Under the existing (pre. April 2027) IHT rules are all undrawn pensions pots excluded from IHT or do they need to have been put in a trust with the pension provider?
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Query council tax on deceased MIL house
Hi just hoping for some advice on querying a council tax bill on my deceased mother in laws house. She was in a care home for 4 years and her home was rented out to help pay care home bills. The council tax was paid for by the tenants. They gave notice to move out last March and we were in process of redecorating it before…
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Tax return and Student Loan repayment
I'm presently filling in my UK tax return and I got a nasty surprise. For context, I have a full time job as an employeee, but over the last few years I have a local stall, (very low turnover) selling collectable items I paid off my student loan via a lump sum in late April 2024, so only £146 was taken from my pay during…
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NIS: "Year is not full" 2024/25 after paying voluntary contributions?
Hi All, (sorry if this isn't the right forum section!) I've just received my tax bill to be paid by Jan 31 2026 which is normal. This promoted me to login to HMRC to check my situation. I'm self-employed and just need one more year of NI to get my full allowance. When completing my tax return I used the 'Pay voluntary…
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Online communication with HMRC
I'm not sure if this is the right place. If not, perhaps someone can redirect me. I completed my Self-Assessment tax return on 3 January and paid the tax on 7 January. Today I received a letter from them dated 6 January, ie before the payment, acknowledging the return but containing details which I want to clarify. My…
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Self Assessment - GovGateway ID says not used in 3-years
Hi, The last time I required to logon to to HMRC GovGateway was 3-years ago. Fast forward and I went to logon to submit my return for 2024-2025, but when I logon I get below error. We have deleted this user ID and password. This is to protect you against malicious or fraudulent attempts to access your details. It could be…
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AIA - Acquisition & Disposal in Same Tax Year
Hi all! Just a quick question re: AIA, if someone could assist? I'm a sole trader, not VAT registered. I purchased a computer in the tax year 20-21 for £1000. I apportioned 60% for business use, 40% private use. I therefore claimed £600 AIA in my 20-21 tax return. In the last tax year 24-25, I sold the above computer for…
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Anyone challenged a council for double Council tax charge on ones only property?
After running out of funds completely refurbishing/modernising my only property, I was unable to finish it and move back in for three and a half years. Thus, after a given period my local council informed me they would be charging me double council tax on the property. On enquiring with them why they would do such a thing…
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tiny salary but lump sum for a house deposit means SLC want half son's salary's worth this year
My son is struggling on an entry level teacher's salary. He has a small amount deducted each month for student undergraduate and postgraduate loans as just over the thresholds. As a trust beneficiary he received £70,000 from a trust in the tax year 2024-5 for a house deposit, which he then used to buy a tiny 1-bed place…
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Finalisation of inheritance tax.
I've recently had to sort out my late mother's estate and this included paying the IHT that was due. The sum required was calculated by an agent who specialises in this and the amount estimated to be owed along with all of the associated forms has been submitted to HMRC a few couple of months ago. Does anyone know how long…
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Requirement to register for self-assessment
Just before Christmas I received a letter from HMRC stating that I asked to register for self-assessment or met a criteria for needing to be registered. It can only be the latter, as I haven't asked, and do have some house sale proceeds earning interest. I am retired, on a modest pension, but the building society interest…
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Which wrappers to take income from in retirement
I am trying to work out the most tax-efficient way to draw
pension income from SIPPs and ISAs (dividends and interest). Our situation is: Me: £2k-£5k earned income (might take on more work but
unlikely), SP in 2028 OH: £14k in pensions and £6k earned income. Our investments/cash are about 50% in SIPPs, 25% in ISAs,…
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Frustration with HMRC.
I'm trying to contact HMRC this Saturday morning by phone and according to this they're open from 8am. https://www.gov.uk/find-hmrc-contacts/income-tax-enquiries However, I'm having no joy and a voice is telling me they're not currently open. I've received a notification telling me I'm underpaid tax on savings, all to do…
