First of all I would like to thank you for this great job you've done and keep on doing! Also please have my apologies for my English (which I learned myself only).
Ok, so my problem is that I haven't paid Income Tax for year ending 05.04.2010 in full and on time. I had a phone conversation with someone from HMRC and I was refused to pay some about 50.00 GBP monthly. They wanted me to pay in full ASAP or better immediately! So I told them that I am on JSA since end of May 2011 and I am not able to pay they in full. Conversation ends up with no solution.
In the meantime I set monthly payments on my account, on HMRS self-assessment website and declared to pay 50.00 GBP monthly. On 04 May 2012 first payment has been taken from my bank account and showed deducted on HMRC website. Next month I was able to manage to pay them 130.00 GBP and that sum was also taken properly from my account and deducted from total sum I owe them instead what HMRC guy said to me first time that I HAVE TO PAY IN FULL!!
PIC 1Anyway - so far, so good - I thought. I will be paying 50.00 monthly until I pay what they claimed I owe them - I was wrong!
I received letter from ADVANTIS DCA dated 18.07.2012:
PIC 2First of all I panicked and paid 50.00 GBP to them.
PIC 3Then I started looking on internet and found GetOutOfDebtFree.org and that is how I found myself here. So I watched front page movie here, then tons of youtube movies, read topics arround internet but it is my first time I am trying to deal with this and I am already stressed to maximum ;/
So today I received another letter from ADVANTIS dated 01.08.2012:
PIC 4and I went to my account on HMRC website and find out that they did not deducted 50.00 GBP which I paid to ADVANTIS on 22.07.2012! (PIC 2 above) and it still shows that I owe them £402.08 (raised from £401.87 on 27.07.2012).
PIC 5I am so stressed now, I have no money to pay them and I am confused what to do now. I would be more then happy to get help from you guys and direct me on what to do step-by-step. Even better I would prefer to meet someone and talk directly as it is much easier for me to communicate (I live in east London). Thanks in advance for any help.
Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 



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