Ok, so I just got a letter from HSBC to say that my tax loan has been declined. I suspect this is because my overdraft has been the same for a while ie. I have not made a dent in it.
I have got my credit report before from Transunion and I am in the top percentile of likely repayers. So I don't really understand why they declined me.
In any case, what would be my best best for paying my tax bill?
Are there other banks with a more ... er ... lenient credit risk model?
Should I go and talk to the Revenue officers and negotiate with them?
I have large bits of cash coming in in the next three to four months so I could actually pay off 80% of my bill then.