HMRC Investigation Support
If HMRC have opened an enquiry into your tax affairs, we'll stand with you every step of the way. Luminaire Accounting helps sole traders and small businesses across Cardiff and South Wales handle tax investigations calmly, efficiently and with the best possible outcome.
The investigations we handle
From straightforward aspect checks to complex fraud enquiries, we manage every type of HMRC investigation so you can focus on running your business with confidence.
COP9 Fraud Investigations
Specialist support for serious civil fraud cases, including voluntary disclosure and negotiated settlements.
Full Enquiries and Aspect Checks
Complete handling of HMRC reviews into specific discrepancies or wider compliance concerns.
VAT and Employer Compliance
Expert representation for VAT inspections and PAYE compliance investigations.
Tribunal Representation
Professional advocacy if your case proceeds to a tax tribunal or formal appeal.
What happens when HMRC opens an investigation
Receiving that letter or call from HMRC is unsettling. Whether it's a routine aspect check or something more serious like a COP9 fraud enquiry, the way you respond in those first few days matters. We step in immediately to interpret what HMRC are asking for, compile the right evidence, and handle all correspondence so nothing gets missed.
Our role is to keep the process moving efficiently while protecting your position. We liaise directly with HMRC, attend meetings on your behalf, and negotiate settlements that are fair and proportionate. Most importantly, we translate the technical language into plain English so you understand exactly what's happening and what your options are.
We handle HMRC so you can handle your business.
More information
The types of investigation we manage
HMRC investigations come in different forms. Aspect checks look at a specific area where they've spotted a discrepancy. Full enquiries are broader reviews triggered by concerns about fraud, evasion or non-compliance. VAT investigations examine your VAT records and returns. Employer compliance reviews focus on PAYE, National Insurance and employee benefits. Then there are the serious cases: COP9 for suspected deliberate tax fraud, and COP8 for complex matters that don't involve fraud.
Each type requires a different approach, and we've handled them all. We know when to cooperate fully, when to push back, and when a voluntary disclosure is the smartest move. If the case escalates to a tribunal, we'll represent you there too.
Why act quickly
Delaying your response or trying to handle it yourself can make things worse. HMRC work to strict timelines, and missing a deadline or providing incomplete information raises red flags. The sooner we're involved, the better we can control the narrative and steer toward a resolution that minimises penalties and protects your reputation.
Many of our clients come to us after receiving their first HMRC letter, worried about what it means for their business. We've supported sole traders, shop owners, tradespeople and professional services firms across Cardiff, Pontypridd, Barry and the Vale. Whatever stage you're at, we'll take the weight off your shoulders.
What you can expect from us
We start by reviewing the HMRC notification and your records to understand exactly what's being questioned. Then we build your case: gathering documents, preparing explanations, and identifying any mitigating factors. Throughout the investigation, we keep you informed in plain language, no jargon or surprises.
Our goal is always a fair settlement that brings your tax affairs up to date without unnecessary penalties or stress. Once it's resolved, we'll help you put systems in place so it doesn't happen again. And if you have fee protection insurance, we'll work with your policy to cover the professional costs.
You don't face HMRC alone when you work with us.
Investigations can take months, sometimes longer for complex cases. That's a long time to carry that worry. Let us carry it instead. We've been doing this for nearly ten years, and we know how to get you through it.
You might also need
Tax Rebates & Refund Claims
We identify overpaid tax and submit accurate HMRC rebate and refund claims for sole traders and small businesses, then chase progress until payment lands.
Tax Rebates & Refund Claims→Non-Resident Tax Returns
Preparation and filing of UK non-resident Self Assessment returns, including UK property income, relief claims and HMRC follow-up, so you stay compliant.
Non-Resident Tax Returns→Inheritance Tax Planning
Inheritance tax planning that maps your estate, estimates IHT, and sets a clear action plan using reliefs, gifting and ownership changes where suitable for you.
Inheritance Tax Planning→Capital Gains Tax Advice
Practical Capital Gains Tax advice for business owners and sole traders. We calculate gains, check reliefs and handle HMRC reporting and deadlines across South Wales.
Capital Gains Tax Advice→Personal Tax Planning
Personal tax planning for Cardiff business owners and sole traders. Forecast your tax bill, use key allowances, and plan payments and profit withdrawals.
Personal Tax Planning→Self Assessment Tax Returns
We prepare and file your HMRC Self Assessment tax return, check expenses and reliefs, and give a clear summary of tax due and key payment dates.
Self Assessment Tax Returns→Before you get in touch
Here's what most people want to know when HMRC gets in touch.
What should I do if I've just received a letter from HMRC?
How long does an HMRC investigation take?
Will I have to pay penalties?
Can you represent me in meetings with HMRC?
How much does investigation support cost?
Do you handle cases outside Cardiff?
What's the difference between COP9 and a full enquiry?
What if I disagree with HMRC's assessment?
Let's talk about your HMRC investigation
Book a free consultation and we'll explain what's happening, what we can do, and how we'll get you through this.
Book a free consultation