Help requesting an affordable HMRC payment plan
We help present your income, expenses, assets and debts to HMRC. The payment term and acceptance depend on HMRC’s assessment; interest generally continues.
Your fixed quote
Tell us your situation and we come back within 48 hours with a fixed written quote. No obligation.
Payment Plan Negotiation: What You Need to Know
We help present your income, expenses, assets and debts to HMRC. The payment term and acceptance depend on HMRC’s assessment; interest generally continues.
Start with the relevant guide or use the free estimate or deadline tool. If you need help applying that information to your records, request a quote and include any urgent notice date.
Before acting as your agent, we agree the engagement and the HMRC authorisation needed. Keep responsibility for urgent deadlines in view while that process is completed.
Check HMRC’s direct payment-plan route first. There is no obligation to appoint an accountant to approach HMRC.
An affordable proposal starts with confirmed tax balances and a realistic household or business budget. HMRC may ask about income, essential spending, assets, savings, other debts and the ability to pay new tax bills as they fall due. A proposed monthly amount should be sustainable alongside those obligations.
Benefits of Payment Plan Negotiation
A defined scope
The quote identifies the years, returns or notices covered and what information is still needed.
Records behind the figures
We distinguish confirmed information from assumptions, estimates and missing evidence.
Separate filing and payment decisions
Submitting a return does not pay the tax or cancel existing penalties. Each issue needs its own next step.
Interest and penalties during Time to Pay
Interest generally continues on unpaid tax. Protection from late-payment penalties depends on when the arrangement is agreed and whether its terms are met. It does not automatically cancel penalties already charged.
You can approach HMRC yourself. Check online eligibility or call the relevant HMRC team; professional help is optional. If a payment will be missed, contact HMRC promptly rather than assuming the original agreement still applies.
Is Payment Plan Negotiation Right for Your Situation?
This service may help if you have:
- A tax bill you cannot pay in full by its deadline
- Several HMRC debts that need a coordinated affordability proposal
- A change in circumstances affecting an existing arrangement
An initial consultation is always the right starting point. We review your HMRC records, assess your penalty position, and give you a clear recommendation based on your specific circumstances.
How the Process Works
Confirm liabilities and urgent notices
Check the tax types, amounts, payment deadlines and any enforcement correspondence.
Prepare an affordability statement
Prepare income, essential expenditure, assets and other debts with evidence where needed.
Propose a realistic payment schedule
Explain the payment proposal to HMRC and respond to questions about affordability; approval remains HMRC’s decision.
Record the agreed terms and payment dates
Check the agreed instalments and conditions, how interest is treated and what to do if affordability changes.
Payment Plan Negotiation Pricing Guide
Fees depend on the complexity of your situation. We provide a fixed written quote within 48 hours of your enquiry so you know exactly what you will pay before committing.
Every Day Costs You More
HMRC penalties start at £100 and increase by £10 per day after 3 months. The longer you wait, the more you pay. Tell us what is outstanding and get a fixed written quote today.
What We Handle for You
- Return preparation, HMRC submission, basic penalty advice
- Penalty review, excuse preparation, HMRC correspondence, follow-up
- All years preparation, coordinated submissions, penalty minimisation strategy
- Evidence gathering, claim preparation, HMRC submission, response handling
- Financial analysis, HMRC negotiation, payment plan setup, ongoing support
- Historic analysis, interest calculation, penalty computation, summary report
Payment Plan Negotiation FAQs
Common Situations We Resolve
One or two years overdue
Self-employed income, rental property, or a one-off capital gain that should have been reported. We file the outstanding returns, calculate the true liability, and apply any reliefs that reduce what is actually owed.
Penalty notice just arrived
The 30-day appeal window is running. We assess whether a reasonable excuse claim has genuine merit, prepare the appeal with supporting evidence, and present it in the format HMRC accepts.
Multiple years behind
Three, four, or more years of unfiled returns. We reconstruct records from bank statements and HMRC data, file everything in the right order, and negotiate penalty mitigation across the whole period.