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Contact Us Free Business Health Check
Contact Us Free Business Health Check

Need Help With Your HMRC Debt? 

We help company directors understand their HMRC debt options and support them through the next steps. 

Free, confidential, advice  Speak to experienced advisors  Understand all diffrent routes you have

 

Struggling with HMRC debt? We’re here to help

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'A directors lifeboat highly recommend' During a very stressful and slightly depressing time at the end of running my small business ! There was these guys to help with clarity support and understanding !

Darren ellis 
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'Outstanding Support During a Difficult Time'

From the very beginning, the team was professional, compassionate, and reassuring. They took the time to explain everything clearly, answered all my questions, and supported me every step of the way. 

Mariella
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'A truly brilliant service!'

Helpful, honest advice and a depth of knowledge and understanding that really helped us understand where our business is and what we can do moving forward.

Andy Poole
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'When you think you have nowhere to turn…'

and no-one can help you.... these are THE guys for you if you find yourself in liquidation wasteland! They have really helped me and put my mind at rest with calming support and advice.

Mark Fesco
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'Excellent support from The Directors Helpline...'

Claire explained the implications of the personal guarantee clearly and professionally, helping me understand my position before signing any agreement. Very knowledgeable, responsive, and helpful. Highly recommended.

Prashanth
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'Outstanding Support When You Need It Most'

I had previously dealt with suppliers and advisers who charged a considerable amount of money but, in reality, offered very little meaningful help. The experience with The Directors Helpline has been completely different.

Ian Nicklin
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How we can help you

 

At The Directors Helpline, we provide free, confidential guidance to company directors who are struggling with HMRC business debt and are unsure what steps to take next. If your company is falling behind with tax payments, receiving increasing pressure from HMRC, or you’re concerned about the future of your business, we can help you understand your position and the options available to you.

Whether you’re dealing with unpaid VAT, PAYE, Corporation Tax, or wider financial pressures, we’ll take the time to understand your company, your circumstances, and what you want to achieve. Every business is different, and the right solution will depend on your individual situation. We’ll explain the possible routes available, helping you make an informed decision about the best way forward.

Depending on your circumstances, this could include understanding how to manage HMRC debt, exploring repayment options, restructuring your business, or considering company closure where appropriate. 

The steps to take with us:

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Book a call and understand the different routes

We help you understand the different routes available when struggling with HMRC debt, from repayment options and business restructuring to formal insolvency solutions. We’ll explain how each option could apply to your circumstances, helping you make an informed decision. 

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Understand your responsibilities and risks

We help you understand your responsibilities as a director, the potential risks, and the steps you can take to deal with HMRC pressure. Every business is different, so we’ll explain the options available based on your circumstances, giving you the clarity and confidence to decide what to do next. 

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Ongoing support every step of the way

 If your situation requires specialist support, we’ll introduce you to one of our carefully selected, trusted experts who can help. We’ll continue to support you throughout the process, working alongside you every step of the way so you always have someone in your corner. 

Is HMRC debt becoming a problem for your company?

If your business is struggling with HMRC payments, it’s important to understand your position and the options available. The earlier you seek advice, the more solutions you may have available.

You’re behind on VAT, PAYE, Corporation Tax, or other HMRC payments

 You’re struggling to agree or maintain a repayment arrangement with HMRC

HMRC pressure is increasing through letters, demands, or enforcement action

You’re using personal funds to cover business tax debts

Cash flow problems are making it difficult to pay bills on time

You’re unsure whether your company can continue trading

Get Help Now
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Can I Write Off My Bounce Back Loan?

When it comes to bounce back loans, the only circumstance in which the loan can be “written off” is if your business fails and enters a formal process such as Liquidation.

If you find yourself unable to repay the loan, the PAYG Scheme is available as an initial option before considering Liquidation. It is highly recommended to seek advice from an experienced team who can provide tailored guidance based on your specific circumstances.

We can assess all your potential options and provide valuable insights to help you effectively manage the repayment or liquidation process. We can also check if there would be any personal implications ahead of the Liquidation option. Get in touch today.

Can I Close My Business With A Bounce Back Loan?

Yes, you can close a Limited Company with a Bounce Back Loan through the process of Creditors Voluntary Liquidation.

However, it’s important to seek trusted guidance first, as closing a  Limited Company with a Bounce Back Loan could have serious consequences to you personally. The Bounce Back Loan debt belongs to the Limited Company, not the Director personally, but there are certain circumstances (such as misuse) where you, the Director, may still be liable for repaying the loan even if you close your Company.

If you’re unsure where you stand, our Business Health Check can provide a confidential overview of your company’s position and highlight any potential risks before you take action. We can also provide you with tailored debt advice to help you navigate the complexities of closing your company with a Bounce Back Loan.

We can help you understand your options and the personal implications so you can choose a solution that works best for both you and your business. 

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If You Need Urgent Help, Get In Touch With Us Today

Speak to Jonathan and the team today to discuss your business needs.

Book A Call

Frequently Asked Question

Have a question? We're here to help!

  • What is considered HMRC debt?

    Company debts to HM Revenue and Customs (HMRC) can arise from a range of taxes, including corporation tax, VAT, PAYE, and National Insurance contributions. These debts can often be one of the main causes of financial problems for UK businesses.

    It's important for businesses to address HMRC debt issues as soon as possible to avoid these consequences. The Directors' Helpline can provide guidance on how to deal with HMRC debt and help you find a solution that works for you and your company.

  • Can HMRC Check Business Bank Accounts?

    HMRC has the power to inspect business bank accounts in certain circumstances. This can happen if they suspect that you're not paying the correct amount of tax or if you're involved in other fraudulent activities.

    If you're concerned about HMRC checking your business bank accounts, it's important to seek professional advice. The Directors' Helpline can provide guidance on how to protect your business and ensure that you're complying with HMRC regulations.

  • What Is a Time to Pay Arrangement? And How Do I Apply?

    A Time to Pay (TTP) arrangement is a formal agreement with HMRC that allows you to pay your tax debt over a longer period. However, it's important to note that a TTP is not a solution for all businesses. HMRC will only grant a Time To Pay arrangement if they believe that you can realistically pay off the debt within the agreed timeframe.

    To apply for a TTP arrangement, you need to contact HMRC directly. Time To Pay Arrangements are usually made over the phone with HMRC. During the phone call, you will be asked a few questions regarding your company. This includes the circumstances which have led to your company being unable to pay its outstanding bill, and to state what you can afford to pay on a monthly basis. You can call HMRC on 0300 200 3300.

  • Can HMRC Come to My House?

    Yes, HMRC has the authority to visit your business premises, and if your home address is the registered address on Companies House, they could come to your home. The purpose of a HMRC visit is to inspect your records or investigate suspected tax fraud. However, such a visit is usually a last resort after other measures have been exhausted.

    If you're worried about an HMRC visit to your home, it's recommended that you seek professional advice. The Directors' Helpline can provide guidance on how to prepare for an HMRC visit and ensure that you're complying with HMRC regulations.

  • How Long Does Business HMRC Debt Last?

    HMRC can persist for a considerable amount of time if the debt is left unresolved. HMRC can be very aggressive and have the authority to pursue debts up to 20 years old, so there's no chance of them forgetting what is owed. Failure to address the debt in a timely manner can result in legal action, with HMRC having the power to:

    To avoid such consequences, it's crucial to deal with the debt issue promptly. Seeking professional advice from The Directors' Helpline can help you navigate the situation and find a solution that works for your business.

Get Help Today!

You don’t have to face this alone. Our expert support team is ready to guide you to help you find the right solution, right when you need it.

Get Help 0333 358 2451 WhatsApp Email Us
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