When HMRC letters pile up! how we helped a high-earning client get back on track
When this London-based professional was referred to us by an existing client, they were feeling overwhelmed. Despite being a successful high-net-worth individual with a full-time role and share-based income, they had unknowingly fallen behind on their personal tax responsibilities.
After moving home in 2020, important HMRC letters had gone to their old address. By the time the client received them, thanks to a neighbour passing them on, several years of tax returns were overdue, penalties had mounted, and stress levels were understandably high.
The Challenge
Although the client’s employer had been deducting tax through PAYE and reporting income to HMRC, their situation was more complex due to additional allowances and Restricted Stock Units (RSUs) vesting since 2020. This meant they should have been completing self-assessment tax returns, something they hadn’t realised.
By the time they approached us, the client was facing:
- Three years of overdue self-assessment tax returns
- HMRC penalties and interest
- Stress and confusion about how to resolve the situation

How We Helped
We began with a full review of the client’s tax position, ensuring all income was correctly accounted for. We then:
- Prepared and filed the outstanding self-assessment tax returns for 2020/21, 2021/22 and 2022/23
- Wrote to HMRC on the client’s behalf, explaining the circumstances around the missed correspondence and appealing against the penalties
- Brought their tax records fully up to date and provided guidance on how to remain compliant moving forward
The Impact
Our proactive approach delivered immediate relief. HMRC accepted our appeal, waiving the late filing and payment penalties in full. With their account now up to date, the client avoided unnecessary costs, removed a significant source of stress, and gained peace of mind knowing their tax affairs are in order.
testimonial
I was extremely stressed when I realised I had fallen behind on my tax returns and had penalties waiting. From the very first conversation, the team made everything feel manageable. They explained the process clearly, handled all communication with HMRC, and achieved a result I didn’t think was possible. I now feel reassured and supported, and I’m very glad I was referred to them.
Our Happy Client