suicidal!!!!hmrc are tryin to take our home

angie17673

please help someone have nowhere left to turn dont know what to do im bipolar and very ill right now i cant cope with stress in the last five years ive lost my mum my brother and father in law my daughter has mental health problems and is in care she just had a baby and social services have taken it away my eldest son is scitsoprenic and his daughter has been taken so lost my grandchildren my partner had a stroke 2 years ago and i had a mental breakdown he had to give up work for a year to look after me and our 12 and 14 year old that are at home ive also had a gambling problem when i got sick we had 34,000 of debt weve payed off 31,000 but got behind with our taxes by 3 years since goin to the accontant we have recived a 36,000 pound tax bill my partner is a self employed share fisherman at first hmrc said they would right of the debt if he joined the new share fishermans tax scheam payin 25% of his tax taken at sorce then the bailiffs came round then we got a letter i phoned and explained what weve been through that im not well and offered 50% of my partners earnings they would not accept this they said they would consider 18,000 then 15,000 to 16,000 now today 07/04/11 they have served papers for bankrupcy we have 3 weeks to find an offer from them of 15,000 part settlement of we go to court for 36,000 and lose our home my doctor has written to them about the stress they are putting on me and im back on anti depressants and antisycotic medication and under the mental health team again all we want is some time which they wont give us i wanted to end my life today ive sold my jewlery and other things to try and get the money we cant get a loan because of our bad credit history and we cant afford legal advise

snookey

Angie please try to remain strong . It sounds as if you have been through hell. Go on the debt advice forum and look at Martains guide to debts.
It sounds to me that they are bullying you. I bet a judge would not take to kindy to this. Have you tried the cab to try and negotiate the settlement to a more realistic amount.

confused76

hi there and welcome, deep breaths....

as the debts sound like they are business related, please call the business debtline for free advice https://www.bdl.org.uk
please ring them tomorrow....if you are made bankrupt you might not necessarily lose your home so you need to take advice to find out where you stand

good luck x

mel12

Hi,

Try the taxaid helpline as well: http://taxaid.org.uk/pages/taxaid-helpline

also see this part of their website about HMRC rules about customers with mental health problems (second half of the page) - they are supposed to make extra allowances and can even write off the debt sometimes, so it might be worth telling them if you haven't already.
http://taxaid.org.uk/situations/struggling-to-cope/dealing-with-tax-debt

fiveyearplan

I know this is getting on top of you but please slow down - its only debt, your health and family are much more important. I know that is easier said than done when you're in the thick of it but stressing really will only make matters worse. Have you contacted citizen's advice bureau plus the agencies other posters have suggested? They will let you know what your options are and once you know that you can start an action plan.

As confused says, you may not necessarily lose your home in bankruptcy. Do you own your home or rent? If you own, how much is outstanding on the mortgage and how much do you think the house is worth?

Bankruptcy isn't the end of the world - most of us on here (including me!) have been bankrupt and we are living with it and I don't think anyone regrets their decision to go bankrupt. The debt would then be one less worry for you.

Contact the agencies advised above and come back and let us know what they said. We are here to give you lots of support so please try not to panic.

Ineedaname

I won't add anything to the excellent advice already given relating to your financial worries. Do try to follow that advice over the next few days though.

But I know what stress does to Bipolar so would just say make full use of your mental health team and pdoc and try to work at gaining some stability with the meds. I know they hinder as well as help, but at the moment you need all the help you can get from the dreaded drugs.

Hang in there because you know you will get through this. :A

recoverydust

all i can add to that - as a person bith bipolar and just about to go bankrupt - is make sure your mental health team know whats going on.
my social worker took me to the advice shop today and has filled in forms about my mental health
best wishes
xxx

neas

Unfortunately the legal system in england usually distances out problems like mental illness, death and other problems.

Unfortunately if your hubby owes 30k tax then he must've earned a good 120k or so over those years.. Its a shame didnt put the tax to one side.

In the end i dont think that will win you the sympathy vote with them, if the moneys owed you will have to try and come to an arrangement with them.. But remember its only debt, not worth doing anythins tupid.