It can't be good receiving numerous brown envelopes through the post each with a letter, or a demand, or a statement or a threat of legal action from Her Majesty's Revenue & Customs. To know that you are behind with tax return submissions stretching back years and not having made any payments must be pretty unbearable. Of course, the longer you leave it the harder it becomes to deal with.
This is just the situation that a friend of a friend found himself in a few month's ago.
My friend called me and explained his friend's predicament and asked whether we could help. I said that of course we could and arranged to meet with both of them the next day. My friend's friend, let's call him Bob, had been self-employed but following some fairly significant family issues some years before had had to leave the family home and, until recently, had not had a permanent home. Letters from HM Revenue & Customs were sent to his old address and were not passed on. Penalties were being levied for the non-submission of tax returns and were really mounting up. My initial assessments were that the penalties were likely to be greater than the actual tax liabilities.