Tag Archives: bullying

HMRC are a total disgrace

Unbelievable, despite me filing for Insolvency 6 weeks ago the HMRC continue to harass me.  Not only harassing me but now at an increased rate.  Again, floods of those brown envelopes demanding immediate payment of corporation tax, then 3 phone calls in 1 hour.  I am not supposed to talk to them but I didn’t recognise the number.

10 minute heated argument with another unbelievable rude woman at the HMRC.  Here are the summary points:

1) Our department is not aware of the Insolvency – absolute and utter crap, they have had all the notifications and didn’t bother turning up at the creditor meeting.

2) You pay £18,000 by 8pm tomorrow or we begin legal proceedings – Good, do that.  Your solicitor will check Companies House and see the company is insolvent, thus proving my point

3) You MUST provide us with court reference numbers – no I don’t actually, the HMRC already has all of that, hence the creditor report.  “That department has not informed us so we want the numbers right now” – NO, talk within yourselves.

4) We will send debt collectors – Try it, you are breaking the law.

5) Sir, you are avoiding paying us by lying – Pardon me?  you have had no less than 15 letters, 3 invites and 2 meetings on the Insolvency.  The HMRC have already signed the forms and returned them.  “That isn’t our department”

now me…”You are not permitted to contact me, you must only deal direct with my Insolvency firm”. – rejected by the woman, we can only deal with you now are you paying us or not? – NO P1SS OFF.

** hung up **

What an utterly disgraceful call, just like I have said multiple times before.  They are utter bullies, rude, insensitive and totally unable to communicate within their own company.  You are constantly spoken to like utter garbage and made to feel like the lowest of the low.  How dare they?

I hate them, I hate them with an utter passion.   Everyone I have ever spoken to is vile.

This wil totally kick off in court very soon because if they continue to violate this agreement I will be taking them to court for prolonged harassment.

What a day eh?

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HMRC just won’t let it lie

Long day today, stuck in traffic and it took a while to get home.  When I did, checked my mail and there it was – a brown envelope.  Avid readers will know I hate them, it takes me ages to open it as it creates fear and brings me out in a sweat.  They are never nice and they are always from the HMRC, so I knew this wouldn’t be good.

What a shock (sarcasm), they have totally ignored the letter from my Insolvency Practitioner and sent me a demand for Corporation Tax, £14663 payable immediately.  We expected this to happen, purely because they know they have threated me before and I have somehow raised the funds to pay them off.  Not this time, I have sent the letter over to my IP for them to deal with.  This was the point of going through business insolvency, to stop this.  One week after the declaration and the HMRC ignore it.

I cannot think of one good word to say the HMRC.  They are like a dog with a bone, they bully and harass you until you break and care not for your personal stories or strife.   They want the money you owe, the money they added on, and the money they will add on when you can’t pay after a month.   It stops now.

Before I started this blog, I read a lot of forums about to stop these threats and the amount of pages of broken souls desperate for some sort of a solution to stop the letters, phone calls and visits.   I felt for all of them, I was lucky that I could pay off such massive amount of money but it did me no favours.

The best advice I have been given is not to pay.  If you are in trouble, do not pay.  Most of us want to pay, including me, as it is the right thing to do.  However if that debt target continues to move then you are never going to catch up.  I thought I was doing the morally right thing but no.  I should have said years ago I couldn’t pay and stopped it there and then.

There are times in your life when right is actually wrong, and this is one of them.

At least I can pass this letter on, legally they cannot threaten me any more.   On a positive note, I found 21p today!  I continue to find small coinage.  Every little helps!

It’s no using hiding, we’ll find you – Part 2

This part is specifically about the HMRC I am afraid.  Of all of the debtors, of which there were several, none were so aggressive and oppressive as Her Majesty’s finest.   I could control all of the other debtors, and we will cover this in later chapters with the methods I went to, and how it panned out.  But this lot…oh what a real eye opener.

Let me be honest up front, every advice on the web about owing them money states do ANYTHING you can to pay them back as they will hound you in every way possible.  And boy do they.  Let’s set the picture though about how bad it got, and continues to do so.

The way the HMRC work is they are not one entity, so if you owe more than one department you deal with them separately.  So, I was late with VAT and Corporation Tax.  I found this out when I phoned and was put on a payment plan for the VAT, payable over 3 months.  Result, not an issue.  Phoned Corporation Tax department, NO!  That must be paid in one go or the payment plan must be for that bill only.  So hold on here, the lower bill is now nicely spread out but the outstanding monster bill must be cleared in 30 days?  Cue the usual patronisation of the highest order about how I should be able to manage my finances etc and so on.

You are on your own here guys, it is no good trying to explain your circumstances, they just want their money.   Obviously I couldn’t pay so this is where the harassment started, and it escalated.

One brown letter a week, which moved to three a week.  Add in voicemails on my phone demanding I ring them back too and the stress starts to rise.  You enter panic mode,  At the time of the first set of hounding by the HMRC I was separated so I had redirected the mail, this helped as my parents never read the mail so nobody had a clue.  What that meant was I could still hide that from my soon to be ex wife.  I wanted it to stay hidden.  How else was this achieved you ask?  Well I told them I had moved out, backed up by the Royal Mail redirection so they never rang the home phone.

I ignored the letters as long as I could, largely so the other payment plan could complete.  That plan actually went quite well until the day I got a call from an Inland Revenue inspector who had been sent to catalogue my home.  By some miracle nobody was in, so he couldn’t get in.  I spoke to the guy, no humour at all, I had to pay £5000 by the end of the week of they would enter my home.

Does anyone believe in miracles?  One was about to happen…

After the call I sat in my car for an hour in silence, in stunned shock.  I was going to get exposed now, in front of my family.  I barely slept a wink that night, and arrived at work the next day on the verge of tears.  And then the miracle happened, I had been in a  car crash 2 years prior and had been quite badly injured but it had been ongoing every since.  An hour into work my phone rang and I remember the words “Hi, it’s your solicitor, we have just been asked if you would settle for £5,500.  What are the chances of that?   I was saved, I paid off the £5,000 and nobody knew.  However, it was a brief miracle.

When you take a payment plan, the HMRC still fine you and add in daily interest so you pay quite a lot of extra money.  The minute you take the first plan, you are always behind.  You are now in a circle, you pay one bill but can’t afford the other one.  You pay that one, you owe another.  Like I said before, I actually managed to to live on peanuts and clear a massive part of the total owed.

You will never be left alone, you will be continually hounded non stop.  Your interest rate on payment plans is set to 15% by default as a previous defaulter.  You will receive no sympathy at all.   My total desperation to hide what was happening was wrong, I should have asked for help earlier from family and friends but pride is a powerful emotion.

I still owe them money so the letters and cycle will start again soon, this time it will be different…