Income tax and VAT debts

✓   Write off unaffordable debt
✓   One monthly repayment
✓   Only pay what you can afford
✓   Become debt free

Bennett Jones is associated with The Debt Advisor Limited who are authorised and regulated by the Financial Conduct Authority to provide debt advice. An IVA may not be suitable in all circumstances. Fees may apply. Entering into an IVA will affect your credit rating. You could write off up to 80% of your debts upon successful completion of an IVA.(10% of our customers wrote off 80% in the last 12 months, with a typical figure of 25%-75%).

See if you are eligible

Bennett Jones can point you in the right direction, giving you the information you need to minimise the risk of penalties, deductions from your pay, and even Court proceedings including bankruptcy.

Employed workers have income tax automatically deducted from their wage/salary (the more you earn, the more you’ll have to pay). However, the self-employed need to prepare and file with HMRC their own tax returns, calculating the amount of income tax for which they’re liable. Advance payments, known as Payments on Account, may also need to be made. It’s all too easy to fall into income tax or VAT debt. Given that the amount you owe is subject to change every year, underpayment is a real problem.

Council tax debt

Whether you pay your council tax bill in one lump sum, or on a monthly basis, be sure to budget for these payments. If you haven’t received your bill, chase it up with your local council. It’s also worth checking that you’re in the correct tax band and whether you are entitled to lower payments due to your health, age or employment status.

If the council threaten to send bailiffs around or deduct money from your wages, get in touch with Bennett Jones for support. We can help explain your available courses of action.

Utility bill debt

If you miss one or more payment to your utility provider – be it for gas, electricity or water – you may find yourself falling behind to the point where the debt becomes unmanageable. Utility costs can arise unexpectedly, and occasionally paper bills can get lost in the mail. But, no matter what the reason might be, failing to pay on time will unsettle creditors. Utility companies appreciate good communication, so take the time to get in touch whenever you have a payment issue. If you can, set money aside for bills ahead of schedule and set up standing orders to make sure you’re meeting the payment deadline every month.

If your utility company is causing you worry by demanding money, speak to Bennett Jones.

Creating a budget

Budgets allow you to have more control over what you spend and keeps a check on your income and outgoings. Having a budget also helps you to plan for your future, pay off existing debt and save each month. Taking the first steps and facing up to the specifics of your debts can often be the hardest part, but Bannett Jones has everything covered. Our free budget planner helps you log all your income and outgoings and calculates a realistic picture of your finances. It also creates handy graphs that illustrate where exactly your money is going.

Bennett Jones’ role in your financial recovery

Bennett Jones can investigate what you’re spending, both personally and if you are self-employed in your business, and help you understand whether an Individual Voluntary Arrangement (IVA) is the solution you need. Whether you need an IVA, an alternative debt solution, or simply information to help you organise your spending, we can deliver some peace of mind.

We are proud of our 5* Trustpilot reviews

June 2024, Lynne


Patient and understanding debt management advice. From the beginning to the end of my five year journey to take control of my debt everyone at Bennett Jones have been nothing but kind and supportive. Always supporting me without making me feel uncomfortable about my circumstances and explaining everything very patiently, showing understanding of how difficult this can be for someone to undertake and guiding me gently through concerns and daft questions. Thank you for your assistance in taking back control and making a fresh start after a particularly challenging time in my life.

June 2024, Safman


Excellent communication and support. From my first call 5 years back and the last one today. Bennett Jones has helped me a lot. They were there to guide through out the journey. Much appreciated.

May 2024, Adam


I would like to thank Bennett Jones for helping me with my IVA proposal. I'm a glass half full person but the realities of life and unforseen circumstances with finances had taken its toll. Bennett Jones have helped me to have a fresh start and take control back of my finances. It's a huge load lifted off my shoulders.......

April 2024, Beverley


I would like to thank Bennett Jones for all their help over the past 5 years.. I was in a pretty dark place financially. And through the debt advice helpline I found Bennett Jones.. From start to finish they have been professional sympathetic and always helpful. I've recommended friends who are also happy with their service. If I could give more than 5 stars I would.