Are you a contractor, agency worker, or working through an umbrella company? We can help you check how you’re paid – to make sure you pay the right amount of tax and aren’t involved in tax avoidance.

Find out how to leave or report a tax avoidance scheme. And learn to spot the signs so you don’t get caught out.

Get out of a tax avoidance scheme

If you think you might be involved in a tax avoidance scheme please get in touch with us as quickly as possible. We’ll support you. We can help you get out of the scheme and settle your tax affairs. Ignoring the problem is not the answer. The longer you leave it the bigger the tax bill.

Our aim is to get you back on the right track. No judgement. Simply offer you the support you need. And if you can’t afford to pay everything in one go, we may be able to offer you an instalment arrangement.

For more information, read Tax avoidance: getting out of an avoidance scheme.

What is tax avoidance?

Some people try to bend the rules of the tax system to pay less tax than they should.

With our support, spotting tax avoidance is straightforward. You may think it is difficult to spot, or that you need to be an expert. We can show you how to protect yourself from tax avoidance schemes.

Read our quick guide to spotting signs of tax avoidance.

Check your pay

Understanding how you’re being paid is the best way to make sure you don’t get caught up in tax avoidance. This applies to people in PAYE as well as Self Assessment.

Checking your payslips and contractual arrangements will help you confirm you are paying the right amount of Income Tax and National Insurance contributions. Doing this will mean you avoid getting an unexpected tax bill later.

Things to look out for include:

  • receiving more money in your bank account than what is shown on your payslip
  • receiving untaxed payments like loans or capital advances

The money you receive in your bank account should match the net pay on your payslip. To understand more about what your payslip should look like, read our payslip guide.

You can also use this risk checker to spot whether any of your contracts could involve tax avoidance.

Steer clear of avoidance schemes

We can help you. Check our list of tax avoidance schemes that we’ve named. If you are involved in any of the tax avoidance schemes shown on the list, you should get in touch with us as soon as possible.

Please keep in mind, this is not a complete list of all tax avoidance schemes currently being marketed.

If a tax avoidance scheme is not shown in the list, this does not mean that the scheme works or is in any way approved by HMRC.

The impact of tax avoidance is real and could be serious. Explore Tanya and Duncan’s stories about how they have been affected by getting caught up in tax avoidance.


Umbrella companies - understand how they work

If you’re a contractor, you may be employed through an ‘umbrella company’. If you’re not sure, it’s best to check as some umbrella companies try to break the tax rules.

You may be at risk. But if you understand how umbrella companies work, you can take steps to avoid these risks.

Read our guide to what it’s like to work through an umbrella company and how you’ll be paid.

Personal stories

Everyone is responsible under UK law for paying the correct amount of tax. Even if you appoint someone else to deal with your affairs and are given bad advice. If you are found using a tax avoidance scheme, you’ll have to pay the tax that is legally due, plus interest. And you may have to pay a penalty. Unfortunately, this is all on top of any fees you’ve already paid the person who sold you the scheme.

But we’re here to help you. Some contractors who were caught up in tax avoidance schemes have asked us to share their personal stories. They were promised higher take-home pay, lower tax bills and less paperwork. Instead, it cost them time, money and stress. Look at their stories so you can learn from their mistakes.

Tanya’s story

Tanya is a single parent and a nurse. She was encouraged to get into a tax avoidance scheme, which left her with a large and unexpected tax bill.

Duncan’s story

Duncan is an IT project manager. He chose to use an umbrella company to help him manage his payroll admin, without double-checking the details, and ended up in a tax avoidance scheme. 

Report a tax avoidance scheme

Get in touch with us if:

  • you have been encouraged to get into a tax avoidance scheme
  • you are aware of a tax avoidance scheme
  • you want to let us know about someone selling tax avoidance schemes


You can do it anonymously if you prefer – you do not have to give your name, address or email address. Please make sure you enter the code ‘TAC’ when you complete the form.

You can also phone HMRC on 0800 788 887 – if you’re outside the UK call +44 (0)203 0800 871.

More information

We’ve got the following resources and guidance about tax avoidance: 


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