Child benefit tax charge

[BrightDowns]

We received a letter enquiring whether we need to pay child benefit tax charge.
i am full time mum till 2017, then started earning 20000 a year.
my husband earned 44000 till 2016. Then to 60000 in 2017.
we didn’t pay attention to stop child benefit, as I wasn’t earning much. We were also looking to settle down and buy a home.
Now we received a letter enquiring us if we need to pay child benefit tax charge.
i know we need to pay back as I didn’t opt out. But I want to approach in a nice way legally and tell them We can only repay very little every month as we have huge mortgage and other debts.
please can you kindly suggest how I speak to them ? Or suggest an email draft I can send them.
hope you will help us.
Thanks somuch in advance.
kind regards

[Amethyst]

The child benefit will be required to be repaid partially from when your husbands income hit £50,000 up to when it hit £60,000 (1% per £100 over £50k) and once at £60,000 the child benefit would need to be repaid in full. It's repaid through income tax, is he registered for self assessment ? If he is earning over £60k now then you are likely best to ask to stop claiming child benefit to save you having to account for repaying it through his tax.

https://www.gov.uk/child-benefit-tax-calculator to work out what you might owe.

[BrightDowns]

Hello again,
I also wanted to mention,
my husband and I were renting two places as he couldnt commute to work everyday. It’s long way and with night shifts it was just not possible. So we had to pay 2 rents + living expenses. It didn’t occur we had to opt out. And after 2017 , he still commuted but to a closer place.just thinking if there is any way to explain and pay with out extra charges. Now we have a big mortgage, hence thinking what and how we approach .
kindly advice
regards

[johnwsam]

Generally, Income tax in the UK is the tax where deductions are made at source, which means at the point where income is credited but not transferred to the concerned person and is thus, also known as tax deducted at source. I read this information on this blog: https://theangeltrust.com/know-about...tax-in-the-uk/