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@peteza The K code is a negative tax code that is used to reclaim underpaid tax that exceeds what can be reclaimed through the removal of personal allowance (eg if you already have a reduced or zero PA). Assuming the payments taken this year are enough to reclaim the underpayment then yes, you...

@jaminko If you rebuy the same asset within 30 days of the disposal, whether that's selling yourself or gifting to your spouse, you'll be caught by the bed and breakfast rules. If you have unused allowance then it would be better for them to transfer shares to you to sell instead and you send...

@bloodygrace Price cap only applies to domestic variable rate tariffs. If the landlord is reselling energy then they are likely on a fixed rate and/or business tariff, neither of which benefit from the cap. That said, they aren't allowed to resell energy for more than their cost

@hayesruc While ordinarily you are correct, OP has asked for 24/25 (next tax year) where the rules are changing to allow you to contribute to multiple ISAs of the same type.

@ngochang Talk to stepchange before you do anything else. They're a free charity and will take you through your debts, your income and outgoings, help you work out a budget and what you can and can't afford to repay. They will then recommend the best way forward for you