I had my first spell when I was a bachelor at the turn of the century - lost weight, insomnia, stress, all of that - brought on by a failed relationship amongst other things. Took a good 18 months to come through but when I did I felt so much happier that I was before the original slide. I think it's a case of learning to look at life in a different way.
I kept on top of this until recently when my wife was diagnosed with severe depression (originally post-natal, but developed into "the works" as I would refer to it). She's coming through it now thankfully, but I must admit that with the added pressure on me in recent months to hold the household together (now have two young children), I now feel it all coming back (my wife is aware of it).
What's striking for me is that before, when I lived on my own, I could hide away, let it happen, and deal with it in my own way and in my own time. This time, I have to pretend for the sake of the children. I am a very private person, and because of the work "gossips", keep it hidden from all but those close to me - so I'm now labelled to all as "grumpy". But that gives me an excuse to develop an alternate "persona" if you like, a la Victor Meldrew, in which I can deal with some of my low points in an almost comedy fashion. That's my therapy - though nobody knows that's why I do it.
It's interesting - we all want people to think that we are resilient, and can cope with anything that life throws at us, but simultaneously hate it when those same people don't realise that actually, inside, we're falling apart.
I've had a couple of cases where the NPS has not been linked to the corresponding case on the SA system - resulting in repayments of PAYE (assuming full PA available when the income has been taxed at BR) with no reference whatsoever to any non-PAYE income.
(I have in each case advised the client to pay it back!)
.....that the "technicians" don't know this, particularly since page TCSN21 in the notes to the tax calculation summary say to complete this box if "you are claiming loss relief calculated by reference to your income.......for an earlier year".
Unless by "triggering" they mean physically releasing the funds, as opposed to calculating the sum due.
Sorry Stephen, but there IS a mechanism for getting an "automatic refund".
You calculate the amount of the refund generated by the loss carry back claim, and put the figure in box 14 on page 2 of the Tax Calculation page. This puts a credit onto the statement, though you may need to phone and request its release.
Still put the info in the white space by all means, but at least you don't have to wait until someone looks at it to get the money back.
Assumption?! Why are you "assuming" the date from which Returns are no longer required? I agree that the letter should state the year but if not, surely a simple phone call to the Revenue would clarify? Still a lot cheaper than getting a penalty notice and then spending time getting it cancelled!
My answers
Grumpy
I had my first spell when I was a bachelor at the turn of the century - lost weight, insomnia, stress, all of that - brought on by a failed relationship amongst other things. Took a good 18 months to come through but when I did I felt so much happier that I was before the original slide. I think it's a case of learning to look at life in a different way.
I kept on top of this until recently when my wife was diagnosed with severe depression (originally post-natal, but developed into "the works" as I would refer to it). She's coming through it now thankfully, but I must admit that with the added pressure on me in recent months to hold the household together (now have two young children), I now feel it all coming back (my wife is aware of it).
What's striking for me is that before, when I lived on my own, I could hide away, let it happen, and deal with it in my own way and in my own time. This time, I have to pretend for the sake of the children. I am a very private person, and because of the work "gossips", keep it hidden from all but those close to me - so I'm now labelled to all as "grumpy". But that gives me an excuse to develop an alternate "persona" if you like, a la Victor Meldrew, in which I can deal with some of my low points in an almost comedy fashion. That's my therapy - though nobody knows that's why I do it.
It's interesting - we all want people to think that we are resilient, and can cope with anything that life throws at us, but simultaneously hate it when those same people don't realise that actually, inside, we're falling apart.
Wrong address given?
All of the P11D(b)s that we have seen need to be returned to Chillingham House, rather than Tynemouth House.
What about the link to Self-Assessment?
I've had a couple of cases where the NPS has not been linked to the corresponding case on the SA system - resulting in repayments of PAYE (assuming full PA available when the income has been taxed at BR) with no reference whatsoever to any non-PAYE income.
(I have in each case advised the client to pay it back!)
Surprising......
.....that the "technicians" don't know this, particularly since page TCSN21 in the notes to the tax calculation summary say to complete this box if "you are claiming loss relief calculated by reference to your income.......for an earlier year".
Unless by "triggering" they mean physically releasing the funds, as opposed to calculating the sum due.
Automatic Refund - YES!
Sorry Stephen, but there IS a mechanism for getting an "automatic refund".
You calculate the amount of the refund generated by the loss carry back claim, and put the figure in box 14 on page 2 of the Tax Calculation page. This puts a credit onto the statement, though you may need to phone and request its release.
Still put the info in the white space by all means, but at least you don't have to wait until someone looks at it to get the money back.
I do this all the time and it never fails.
Assumption?!
Why are you "assuming" the date from which Returns are no longer required? I agree that the letter should state the year but if not, surely a simple phone call to the Revenue would clarify? Still a lot cheaper than getting a penalty notice and then spending time getting it cancelled!