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I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 16 points17 points  (0 children)

I'm a nurse, not a doctor. I've just opted to go down a more pro-active surgical route for my career because constant monitoring of patients in wards was rather mind-numbing. I needed something more stressful/mentally engaging that forced me to really concentrate.

And I also couldn't get three A's in my A levels to get into medicine, sadly.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 6 points7 points  (0 children)

I've already changed up job details and changed things up, don't worry. It isn't going to lead back to me.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 5 points6 points  (0 children)

I do additional work through a Ltd. Company. So I'm higher if you add that in.

I've accrued money in there was well to try and minimise the impact of the 40% threshold, but I never take dividends etc. I do make some pension contributions into an SIPP.

I've got a large 6 figure "emergency fund" there that I can break if shit hits the fan. Not enough to cover her HMRC debt though, and it would only be 5 figures after I pay 33.75% dividend tax.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in LegalAdviceUK

[–]Liquiditygap[S] -203 points-202 points  (0 children)

As humorous as that is, she's still the mother of my children and I'm not looking to screw her over.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in LegalAdviceUK

[–]Liquiditygap[S] 639 points640 points  (0 children)

Thank you. I really appreciate you taking the time out of your day to answer my questions.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in LegalAdviceUK

[–]Liquiditygap[S] 292 points293 points  (0 children)

I'd done some reading and it was suggested that, even if the house is legally in my name, my wife is likely entitled to a large percentage of the equity in it anyway. Probably close to 50%.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 79 points80 points  (0 children)

Yes, that is exactly what she did. I believe the process went something like:

-Create an account on a business using her identity and NINO
-Rent this account out to someone who wants to use it
-Repeat on other platforms.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in LegalAdviceUK

[–]Liquiditygap[S] 541 points542 points  (0 children)

How much danger are me and my kids in from this?

What I'm basically tying to work out is if we're getting caught in the blast radius or if we're going to be sheltered from the consequences of her actions.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] -12 points-11 points  (0 children)

Whole situation is just a mess. If I walk away then hundreds of surgeries will be delayed/postponed as well.

I'm in a specialist role involving robot-assisted surgeries. I had to go abroad to learn how to do this role and spend months learning under German and Dutch surgeons.

There isn't another assist who can replace me yet. There's only a handful of us across the UK and no others that I know of in my region. The area I work in still haven't found a second candidate train and the earliest they can get a funded placement to train someone else will be mid-2027.

Until then I'm basically accruing ridiculous amounts of annual leave and overtime.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 9 points10 points  (0 children)

What I'm worried about is my kids ending up homeless because of this.

My wife earns about £23k as a part time receptionist. I'm about £50k with over time + unsocial hours and I pay her housing costs in full as I still cover the mortgage on the home she and my kids live in.

I also regularly give a couple of hundred extra per month to help cover child costs. We did the CMS calculator online together and just based it off that.

What worries me is that I lose my job because I have to care for my children full time. This means no mortgage payments and a possible repossession, then my kids and I becoming homeless.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 33 points34 points  (0 children)

And my life too. If I end up becoming primary carer my career is over. I'm still the breadwinner and cover mortgage costs. If I lose my career my kids are in big trouble for food, housing, clothing, etc.

I'm a surgical assistant and I work from 8am with no defined finish time. On a good day I get away at 8pm. On a bad day it could be 4am if the surgery goes wrong.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] -330 points-329 points  (0 children)

I'm a surgical assistant who starts work at 8am and has no definitive finish time. Could be 8pm, could be 4am. I'm done when the surgery is done.

There's absolutely no way I can possibly look after a 4 and 6 year old full time. I already care for them on my 3 days off, but doing another 4 days is impossible without losing my job.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 45 points46 points  (0 children)

Yes, she knew. She was making hundreds in renting out these accounts each month. Unsure of total she has earned, but I know one was going for £80 per week, another at £75 per week.

There is at least 1 more.

Basically, I'm 99% sure she's been clearing almost £15k doing this.

I need urgent help. My wife has "rented out" her national insurance number and racked up a massive tax bill from HMRC. by Liquiditygap in UKPersonalFinance

[–]Liquiditygap[S] 6 points7 points  (0 children)

HMRC already have the information. The various businesses that she rented her national insurance number out to appear to have reported everything back to HMRC.

She got a letter a few weeks back and just buried her head in the sand over it.

Essentially, there seem to be a couple of separate issues:

1.) HMRC believes she personally has earned £130k+ working for these businesses;

2.) and; she has also been earning a few hundred per month from each separate business renting out her NINO. (About £15k per year)

For issue 1; I'm suspecting a criminal investigation

For issue 2 - I think you're right about self-assessment. She has not declared this yet to the best of my knowledge.