Private Individuals – Resolving Personal Tax Problems with HMRC

It Happens

Even the most financially responsible people can find themselves facing unexpected tax problems.

A forgotten source of income. A misfiled return. A property transaction not properly declared. Sometimes, life simply gets in the way — and what begins as a small oversight can quickly turn into a significant issue with HMRC.

Tax complications don’t just happen to businesses or the self-employed. Many private individuals, including professionals, landlords, and retirees, face HMRC enquiries every year. What matters most is how you deal with it.

We Have Helped Many Individuals – We Can Help You

If you’ve received an unexpected letter from HMRC, or realised your previous tax filings may not be accurate, we can help you take control of the situation — calmly and discreetly.

We assist clients with:

• Undeclared or offshore income
• Capital Gains Tax (CGT) misreporting
• Rental income not fully declared
• Inheritance Tax irregularities
• Voluntary disclosures for previous errors
• HMRC enquiries, COP8 or COP9 investigations

Our experienced tax dispute team specialises in resolving issues before they escalate — ensuring you reach a fair outcome, with minimal stress and financial impact.

It’s More Common Than You Think

Tax mistakes are far more common than people realise.

We frequently help private individuals who:

• Filed their own returns without full understanding of tax rules
• Relied on outdated or incorrect advice
• Inherited assets or investments they didn’t realise carried tax obligations
• Have overseas accounts or property portfolios
• Received “nudge letters” from HMRC suggesting undeclared income

The reality is, HMRC’s data systems are now highly advanced — identifying even small discrepancies. That’s why early, voluntary disclosure is always the best option.

What Do HMRC Problems Look Like for Private Individuals?

Common cases include:

• Several years of unfiled or inaccurate returns
• Undeclared investment, savings, or rental income
• Capital Gains Tax from property or asset sales not reported
• Overseas income under the Common Reporting Standard (CRS)
• Use of offshore structures without correct declarations

HMRC takes these issues seriously — but with the right professional support, penalties can often be reduced, and matters settled discreetly.

Why People Delay Acting

Many individuals delay addressing their tax situation out of fear or embarrassment.

Some hope that ignoring the issue will make it go away — but HMRC’s reach is extensive. The longer you wait, the fewer options remain for a favourable resolution.

We offer a fully confidential service, handling all communication with HMRC on your behalf. You stay informed — but protected.

The Impact of HMRC Issues

Tax disputes can have lasting consequences — financial, emotional, and reputational.

They can affect:

• Your credit and financial stability
• Your professional standing
• Your mental wellbeing and family life

Our priority is to reduce your exposure, manage negotiations discreetly, and resolve matters in a way that protects your finances and your peace of mind.

There Is Always a Solution

Whatever your situation — whether it’s historic tax irregularities, undeclared income, or a full HMRC investigation — we can help you put things right.

We will:

1. Conduct a confidential tax review.
2. Prepare a full voluntary disclosure or settlement proposal.
3. Negotiate with HMRC to minimise penalties and liabilities.
4. Support you in maintaining full compliance going forward.

Our team has extensive experience in resolving personal tax issues for private individuals across the UK — from small oversights to complex multi-year investigations.