14. Information HMRC give out is often incorrect and incomplete.

The National Audit Office estimated that a third of all Self Assessment returns we give in are are incorrect and that’s not surprising when you consider that a recent Civil Service Capability Review admitted one in four of us contacting HMRC for advice is given, “incomplete or inaccurate information.”

One in four! That’s a phenomenal figure for failure!

The system is so complicated they can’t even get it right themselves. But here is the thing: when they get it wrong there is no comeback, when you get it wrong – well, then you are hammered!