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Link from Personal Tax Account to Self Assessment Tax calculation

I'm loath to re-open a discussion on Tax Accounts, but does anyone share my irritation that HMRC don't have a link between the User's tax account (which records any outstanding money due from previous FYs) when advising the use of the tax due in the FY the SA relates to. Result: the user pays the tax due, in the expectation that that will 'clear' the account.  But it won't: HMRC uses the payment to first clear any historic debt (due to interest payments, for example), meaning the current SA Tax due isn't fully settled.  And so the 'debt' just carries on, without a word of warning given.
If a bank or other finance behaved in such an underhand way, the FCA (and the media) would be down on them like the proverbial ton of bricks. Shameful!
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