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Template · HMRC
HMRC Time to Pay Preparation Notes Template (UK, Free Download)
A structured guide and template for preparing a 'Time to Pay' request to HMRC.
Built by a practising Chartered Accountant · Unlimited users · 60-day free trial · Last updated 23 September 2026
Quick answer
A 'Time to Pay' (TTP) arrangement allows you to pay your tax debt in manageable instalments. To be successful, you must prepare thoroughly, demonstrating why you cannot pay in full and showing that you can afford the proposed plan. [VERIFY] You can often set up simple TTP plans online for Self Assessment and VAT.
Who is this sent to, and when?
- Sent to
- Internal
- When to send it
- Before contacting HMRC for a payment plan
How should you prepare for a TTP request?
Gather a clear picture of your finances, including income, expenses, and other debts. You must be able to offer a realistic monthly payment that you can sustain.
HMRC will expect you to have explored other funding options first. Be ready to explain why a loan or other financing wasn't possible.
Preview the template
Check the current process on GOV.UK before sending — many requests are now made online.
HMRC Time to Pay Preparation Notes Template
HMRC Time to Pay (TTP) Preparation Notes
**Client:** [Client Name]
**UTR/VAT No:** [Reference]
**Total Debt:** £[Amount]
### 1. Financial Overview
**Current Monthly Income:** £[Amount]
**Current Monthly Essential Expenses:** £[Amount]
**Available Surplus:** £[Amount]
### 2. Proposed Payment Plan
**Initial Upfront Payment:** £[Amount]
**Monthly Instalment Amount:** £[Amount]
**Proposed Duration:** [Number]
Preview shows the opening and key sections. The full editable file is free to download below.
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Send this from Remindoo
Save it once in Remindoo and send it from there. Store the wording as an email template, then use tokens so client names, company numbers and dates fill in automatically. Send it to one client or to a filtered group with bulk client emails. For requests that repeat, pair it with automated reminders and a recurring task so it goes out every period without anyone remembering. For engagement letters and proposals, use proposals and letters of engagement with e-signatures.
What are the common mistakes?
- Over-promising what you can afford
- Waiting until after the deadline to call
- Not having financial figures ready
- Ignoring HMRC debt letters
“Managing deadlines and tasks is much easier.”
Frequently asked questions
Can I set this up online?
Yes, for Self Assessment debts under £30,000 and VAT debts under £20,000, you can often use the self-service tool on GOV.UK.
Will HMRC charge interest?
Yes, interest is usually charged on the outstanding balance throughout the TTP period.
What if I miss a payment?
The arrangement will usually fail, and HMRC may take enforcement action. Contact them immediately if you're struggling.
How long can a plan last?
Most plans are for 12 months, but longer periods can be negotiated in exceptional circumstances.
Do I need to be up to date with filings?
Yes, HMRC will rarely agree to a TTP plan if you have outstanding tax returns.
What if HMRC says no?
You can ask for a review, but you must usually provide further evidence of why the plan is appropriate.
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Sources
Last updated 23 September 2026. General guidance, not regulatory advice.
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Written and reviewed by Waqas Sagar ACA FCCA FMAAT, Chartered Accountant with 18+ years in practice. Founder and MD of Accotax, an ICAEW, ACCA and AAT regulated London practice that has served over 5,000 clients, and founder of Remindoo. Guidance is general; check current GOV.UK and professional body guidance for your firm.
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