Tax Disclosures & HMRC Enquiries

We are personal tax accountants and Chartered Tax Advisers, and we support individuals, landlords and business owners across Kent and the South East with voluntary tax disclosures and HMRC enquiries. We’ll assess your position, manage all correspondence with HMRC, and work to minimise penalties and stress.

Who we help

• Individuals and families
• Sole traders, partnerships and limited companies
• UK residents and non-residents with UK tax obligations
• Landlords with undeclared rental income
• Directors with benefit-in-kind or dividend issues
• Anyone who has received an HMRC “nudge” letter or formal enquiry

Our services

• Voluntary disclosures via HMRC’s Digital Disclosure Service (DDS) and Worldwide Disclosure Facility (WDF)
• Advice on whether a disclosure is required and what years to include
• Calculation of tax, interest and potential penalties
• Preparation of disclosure reports and narrative explanations
• Full management of HMRC enquiries and compliance checks
• Responding to HMRC letters, information notices and questionnaires
• Negotiating time-to-pay arrangements and settlements
• Post-settlement review to keep you compliant going forward

When to make a voluntary disclosure

• You’ve discovered undeclared income or gains (e.g. rental income, dividends, crypto, foreign interest).
• You previously filed returns with errors or omissions.
• You’ve started receiving HMRC prompts or “nudge” letters.
• You are worried an enquiry may begin and want to take control.

The benefits of disclosing promptly

• Lower penalties compared with HMRC discovering the issue first.
• A quicker, more predictable process with less disruption.
• Demonstrates cooperation and reduces the risk of formal investigation.
• Peace of mind that your affairs are back on track.

Our process

1. Free initial conversation
   We listen to your situation, explain your options and outline likely costs and timelines.

2. Fact-find and risk review
   We gather the right information, identify the tax years affected and assess the level of behaviour HMRC may consider (careless, deliberate, etc.).

3. Calculations and strategy
   We quantify the tax and interest, model penalties and agree the best route (DDS/WDF or managing an active enquiry).

4. Prepare and submit
   We draft the disclosure and supporting narrative, then submit to HMRC and handle all correspondence on your behalf.

5. Negotiate and settle
   We respond to HMRC queries, seek fair penalty outcomes and agree payment or time-to-pay where needed.

If you’ve received an HMRC letter

• Don’t ignore it – deadlines matter.
• Avoid calling HMRC without advice; what you say can shape the case.
• Share the letter with us immediately. We’ll explain what it means and take over the communication.

Common situations we handle

• Undeclared rental income (UK or overseas property)
• Capital Gains Tax on property sales not reported within 60 days
• Side-hustle and marketplace income
• Cryptoasset trading and staking income
• Foreign income and bank interest (including “nudge” letters)
• VAT threshold breaches and late registrations

Penalties and time limits – what to expect

Penalties depend on how the error arose and whether the income is UK or offshore. Acting voluntarily and cooperating fully typically reduces penalties. HMRC can usually assess up to 4 years for innocent errors, up to 6 years for carelessness and up to 20 years for deliberate behaviour, or a ‘failure to notify’. We’ll explain how these rules apply to your case and work to achieve a fair result.

Contact Us

Please contact us to see how we can help you.