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Our specialist team works directly with HMRC to secure the best terms you can reasonably afford.
With a new agreement in place, you can focus on stabilising your business.
We'll review your current tax liabilities, whether it's PAYE, VAT, or Corporation Tax, to determine if a Time to Pay arrangement is the most viable solution for your business.
We provide a step-by-step roadmap tailored to your company's cash flow, ensuring the proposed repayment plan is both affordable for you and approved by HMRC.
A successful TTP requires accurate financial forecasting. We assist with the necessary cash flow projections and documentation to prove your business's viability and secure the agreement.
Our experts handle all direct communication with HMRC on your behalf. We act as your professional intermediary to negotiate terms and shield you from the stress of constant pressure.
If you are facing distraint action or a winding-up petition, we explain your rights immediately and act fast to implement a rescue plan that halts aggressive recovery actions.
You'll receive ongoing support to ensure you maintain the agreement, helping you avoid a breach that could lead to the arrangement being cancelled.
If your company is struggling with cash flow, it's likely that you've delayed HMRC payments so other creditor costs can be covered first. While this may ease pressure temporarily, it can quickly result in tax arrears building up.
Unlike other creditors, HMRC does not need a court judgment before pursuing payment. Once HMRC confirms a liability, it is treated as immediately due, with no formal dispute stage at that point.
Repeated late payments or outstanding balances can flag your business as higher risk of becoming insolvent. HMRC may interpret ongoing delays as a sign of financial difficulty, particularly if there is a history of missed deadlines.
Where arrears exist, HMRC will usually issue written notification outlining the balance owed and a deadline to respond. These notices often allow only a short window to act before further steps are considered.
Unpaid HMRC liabilities can place significant pressure on a company. In certain circumstances, directors can become personally liable for the debts.
If a business is insolvent and continues trading without addressing its tax position, directors may be accused of failing to act appropriately. Early advice is important to ensure decisions taken are defensible and in the best interests of creditors.
If your company has outstanding tax liabilities, there are several potential routes forward, depending on its financial position. A Time To Pay arrangement may be suitable where the business remains viable and can meet ongoing commitments while clearing arrears over time.
A Company Voluntary Arrangement (CVA) can offer protection from creditor action while a longer-term repayment solution is put in place. Administration may be appropriate where creditor pressure is intense and the business requires immediate legal protection.
Some companies choose to raise finance, such as invoice finance or short-term funding, to clear HMRC balances and stabilise operations. Where recovery is not realistic, company closure through dissolution or liquidation may be the most appropriate outcome.
If HMRC pressure is increasing or an existing repayment plan is becoming difficult to maintain, specialist support can help clarify your options.
Support may include:
Confidential advice is available to help you understand the next steps based on your situation.
A Time To Pay arrangement is an agreement with HMRC that allows outstanding tax liabilities to be repaid in instalments, rather than in a single payment. It is intended for businesses experiencing temporary financial difficulty, where paying the full balance immediately is not possible but future payments are achievable.
Failing to address tax arrears can lead to penalties, enforcement action, or in more serious cases, winding-up proceedings. Missed PAYE, NIC or VAT payments are often treated as early warning signs of insolvency by HMRC.
A Time To Pay arrangement does not reduce the amount owed. The full balance remains payable, and each proposal is assessed on its own merits.
HMRC will consider a Time To Pay arrangement where:
The overriding requirement is that the business genuinely lacks the ability to pay on time.
HMRC is expected to honour an agreed arrangement, provided the terms are met. However, they retain the right to withdraw the agreement under specific conditions. This may happen if payments are missed, information provided proves inaccurate, or the company's financial position changes materially without disclosure.
If the business's risk profile increases, for example, through worsening finances or further creditor action, HMRC may reassess or terminate the arrangement.
Time To Pay is designed for businesses under short-term pressure that remain capable of recovery.
If instalments are missed or new arrears arise, HMRC can end the agreement immediately and demand full payment of the outstanding balance. Where this risk exists, it's important to seek advice as early as possible. Alternative options may still be available, but delays can significantly limit them.
HMRC doesn’t reduce the total tax owed, but a Time To Pay plan turns a single large bill into a realistic payment schedule that protects you from immediate legal action. Acting early gives you more options and can prevent escalation. To find out your options and what you can do about your HMRC tax debt, complete our form to hear back from our experts.