heatwaver22

Pennywise

If you own your home, can you not downsize to release some equity, or go into some kind of equity release scheme to cover your future living costs in excess of your pension income?

What happened to the £105k that you raised from selling the property? If your savings are what's left over, then it really isn't your saving for your old age as it's the tax due on the profit.

Once your savings are much lower, you should be entitled to pension credits which should top up your state pension to a living level, unless your pension(s) is already at that level.

Realistically, if you have savings and own your home, I can't see that HMRC will write off the debt and I can't see them entering into any form of long term debt repayment, after all, you have no future income from which to pay the instalments, you have it available now.