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Four more people have attempted to take their own life in relation to the loan charge scandal, which has left tens of thousands of contractors facing huge bills for tax their employers should have paid, Sky News has learnt.

HMRC has made 17 referrals to the police watchdog (Independent Office for Police Conduct) over the suicide attempts of 14 people, up from the 13 referrals of 10 people previously known about in October 2023.

The figures, revealed in response to a Freedom of Information request by Sky News, come on top of the 10 known suicides of people caught up in the controversial tax crackdown, which has alarmed MPs across the political spectrum.

The loan charge was announced in George Osborne’s 2016 budget and made freelancers liable for years of retrospective income and national insurance tax after being paid their salaries in loans.

George Osborne
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Former Tory chancellor George Osborne

HMRC has been accused of harassing ordinary people who were victims of mis-selling, as the arrangement was widely promoted by lawyers, accountants and tax professionals in the 2000s and 2010s.

Labour has launched an independent review into the policy but campaigners have branded it a “sham” and “cover-up” as it doesn’t look at the principle of the loan charge, only ways to make people settle.

‘Trapped in an endless nightmare’

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Father-of-three Ray Newton is one thousands of people who paid an umbrella company to manage his fees while working as an IT contractor for Barclays Bank from 2009-2010.

They paid him in tax-free loans on the assurance it was “completely above board”, but in 2016 he was hit with an unexpected HMRC bill of £16,000.

Ray Newton
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Ray Newton has faced demands for almost £60,000 from HMRC

Ray paid it off, but last year he suddenly faced demands for another £15,000 in income tax and £14,000 in interest that had been accruing the whole time without his knowledge. The “bombshell bill” also included £12,000 of inheritance tax on the loans despite them being classed as wages.

“Instead of going for the tax that was avoided they are going for the jugular,” said Ray, 70.

The bill arrived in the post after eight years of sporadic letters from HMRC saying Ray still needed to settle but not explaining why or by how much, often ignoring him when he inquired. It nearly destroyed him.

Ray Newton attempted suicided over the stress of the loan charge
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Ray attempted suicide over the stress of the loan charge

“I was literally begging – please tell me what it is I owe. It made me look as though I was a bad person… my wife actually left me and I got really in a state over this,” he said.

“I was having counselling, I was on antidepressant drugs, I was on sleeping pills. You know, my whole world was sort of falling apart. It was like being trapped in an endless nightmare.

“I did attempt suicide but I was stopped by a member of the public.”

Ray is now in a better place and is back with his wife, while HMRC has recently accepted the inheritance tax isn’t owed and giving him misleading or incorrect information.

But he is sceptical about the review.

“The government can’t afford or don’t want to afford the implications of a proper inquiry. This is going to be a whitewash.”

HMRC says it takes the wellbeing of all taxpayers seriously and is committed to identifying and supporting customers who need extra help with their tax affairs. It says it has made significant improvements to this service over the last few years.   

Sky News spoke to several loan charge victims who said while they didn’t dispute owing tax, HMRC’s chaotic communication was making it harder to settle and move on.

“The impact has been devastating”

For father-of-two Stephen Bishop, the long drawn-out battle contributed to the breakdown of his marriage and led him to express suicidal thoughts.

He was told to join a loan scheme by the company which hired him and has since faced demands in unpaid tax ranging from £80,000 – more than he’d earn in a year – to £20,000 while a payment plan set up in 2018 was randomly cancelled.

It took many more years to reach a new settlement and after £18,000 was finally agreed upon, he was whacked with a £10,000 interest bill for the late payment.

Stephen Bishop says the stress of HMRC's conduct impacted his marriage
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Stephen Bishop says the stress of HMRC’s conduct impacted his marriage

HMRC continued to contact him after he requested to go through his accountant due to his deteriorating mental health, with an inspector even showing up at his door.

“I can honestly understand why so many people have taken their own lives over this. The impact has been devastating on me,” he said.

What is being reviewed?

Since 2016, HMRC has agreed 25,000 settlements with employers and individuals over their use of loan schemes, which will raise around £4.2bn in revenue.

However, over 40,000 people and 5,000 employers are yet to settle.

Labour promised an “independent review” in opposition, with Treasury minister James Murray saying the loan charge had “become a nightmare for ordinary people… who are the victims of mis-selling and face financial ruin”.

The loan charge has left many people facing financial ruin
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The loan charge has left many people facing financial ruin

After winning the election Mr Murray also attended a “harrowing meeting” where many loan charge victims “broke down in tears”, according to Greg Smith, Tory co-chairman of the Loan Charge and Taxpayer Fairness all-party parliamentary group (APPG), who suggested the “partial review” was down to “wilful ignorance or the bottom line” and warned it could lead to more suicides if people continue to face financial ruin.

Campaigners hoped the inquiry would look at the principle of retrospective tax legislation, the role of promoters who made profits from the schemes and HMRC’s conduct.

However, it will only examine the barriers facing those who have yet to settle and recommend ways for them to so do by the summer. And it is being run by former HMRC boss Ray McCann, leading some to question its independence.

‘Internal stitch-up’

Sir Iain Duncan Smith, former Tory leader and another long-term critic of the loan charge, called the review an “internal HMRC stitch-up… ran by an ex-HMRC honcho”.

He said the loan charge is a “disaster” made by the tax office for being slow to crack down on the loan schemes and the government should “draw a line under this and write the debt off”.

Sir Iain Duncan Smith
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Sir Iain Duncan Smith

“It seems to me any MP that goes to be a minister of the Treasury gets taken prisoner by them. This should be a full-scale review where apportioning blame is part of this,” Mr Duncan Smith added.

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In a letter responding to concerns of the APPG, Mr Murray said it would have been “irresponsible for the government not to acknowledge the challenging fiscal circumstances that we inherited” and “that is the context in which this review takes place”.

He also defended Mr McCann’s independence, saying the former president of the Chartered Institute for Taxation is “a highly respected figure in the tax world whose name was suggested by one of the loan charge campaigners”.

The government declined to comment further while the review is ongoing.

Anyone feeling emotionally distressed or suicidal can call Samaritans for help on 116 123 or email jo@samaritans.org in the UK. In the US, call the Samaritans branch in your area or 1 (800) 273-TALK

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Diane’s husband was killed by a reckless driver – the wait for justice was almost as painful

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Diane's husband was killed by a reckless driver - the wait for justice was almost as painful

Diane Gall’s husband, Martyn, had been out on a morning bike ride with his friends on their usual route one winter morning in November 2020 – when he was killed by a reckless driver. 

Diane and her daughters had to wait almost three years for her husband’s case to be heard in court.

The case was postponed three times, often without warning.

“You just honestly lose faith in the system,” she says.

“You feel there’s a system there that should be there to help and protect victims, to be victims’ voices, but the constant delays really take their toll on individuals and us as a family.”

Diane Gall's husband, Martyn
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Diane Gall’s husband, Martyn

The first trial date in April 2022 was cancelled on the day and pushed four months later.

The day before the new date, the family were told it wasn’t going ahead due to the barristers’ strike.

It was moved to November 2022, then postponed again, before eventually being heard in June the following year.

“You’re building yourself up for all these dates, preparing yourself for what you’re going to hear, reliving everything that has happened, and it’s retraumatising,” says Diane.

Diane Gall and Sky correspondent Ashna Hurynag
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Diane Gall and Sky correspondent Ashna Hurynag

‘Radical’ reform needed

Diane’s wait for justice gives us an insight into what thousands of victims and their families are battling every day in a court system cracking under the weight of a record-high backlog.

There are 76,957 cases waiting to be heard in Crown Courts across England and Wales, as of the end of March 2025.

To relieve pressure on the system, an independent review by Sir Brian Leveson last month made a number of recommendations – including creating a new division of the Crown Court known as an intermediate court, made up of a judge and two magistrates, and allowing defendants to choose to be tried by judge alone.

He said only “radical” reform would have an impact.

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Will court reforms tackle backlog?

But according to exclusive data collected for Sky News by the Law Society, there is strong scepticism among the industry about some proposed plans.

Before the review was published, we asked 545 criminal lawyers about the idea of a new tier to the Crown Court – 60% of them told us a type of Intermediate Court was unlikely to reduce the backlog.

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“It’s moving a problem from one place to another, like moving the deck chairs on the Titanic. It’s not going to do anything,” says Stuart Nolan, chair of the Law Society’s criminal law committee.

“I think the problem with it is lack of resources or lack of will to give the proper resources.

“You can say we need more staff, but they’re not just any staff, they are people with experience and training, and that doesn’t come quickly or cheap.”

Instead, the lawyers told us creating an additional court would harm the quality of justice.

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Chloe Jay, senior partner at Shentons Solicitors, agrees the quality of justice will be impacted by a new court division that could sit without a jury for some offences.

She says: “The beauty of the Crown Court is that you have two separate bodies, one deciding the facts and one deciding law.

Casey Jenkins, president of London Criminal Court Solicitors' Association
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Casey Jenkins, president of London Criminal Court Solicitors’ Association

“So the jury doesn’t hear the legal arguments about what evidence should be excluded, whether something should be considered as part of the trial, and that’s what really gives you that really good, sound quality of justice, because you haven’t got one person making all the decisions together.

“Potentially in an intermediate court, that is what will happen. The same three people will hear those legal arguments and make the finding of guilt or innocence.”

The most striking finding from the survey is that 73% of criminal lawyers surveyed are worried about offences no longer sitting in front of a jury.

chart visualization

Casey Jenkins, president of London Criminal Court Solicitors’ Association, says this could create unconscious bias.

“There’s a real risk that people from minority backgrounds are negatively impacted by having a trial by a judge and not a jury of their peers who may have the same or similar social background to them,” she says.

“A jury trial is protection against professional judicial decisions by the state. It’s a fundamental right that can be invoked.”

Instead of moving some offences to a new Crown Court tier, our survey suggests criminal lawyers would be more in favour of moving cases to the magistrates instead.

Under the Leveson proposals, trials for offences such as dangerous driving, possessing an offensive weapon and theft could be moved out of the Crown Courts.

chart visualization

‘Catastrophic consequences’

Richard Atkinson, president of the Law Society, says fixing the system will only work with fair funding.

“It’s as important as the NHS, it’s as important as the education system,” he says. “If it crumbles, there will be catastrophic consequences.”

Ms Jenkins agrees that for too long the system has been allowed to fail.

“Everyone deserves justice, this is just not the answer,” she says.

“It’s just the wrong solution to a problem that was caused by chronic, long-term under-investment in the criminal justice system, which is a vital public service.

“The only way to ensure that there’s timely and fair justice for everybody is to invest in all parts of the system from the bottom up: local services, probation, restorative justice, more funding for lawyers so we can give early advice, more funding for the police so that cases are better prepared.”

Government vows ‘bold and ambitious reform’

In response to Sky News’ findings, the minister for courts and legal services, Sarah Sackman KC MP, told Sky News: “We inherited a record and rising court backlog, leaving many victims facing unacceptable delays to see justice done.

“We’ve already boosted funding in our courts system, but the only way out of this crisis is bold and ambitious reform. That is why we are carefully considering Sir Brian’s bold recommendations for long-term change.

“I won’t hesitate to do whatever needs to be done for the benefit of victims.”

The driver that killed Diane’s husband was eventually convicted. She wants those making decisions about the court system to remember those impacted the most in every case.

Every victim and every family.

“You do just feel like a cog in a big wheel that’s out of your control,” she says. “Because you know justice delayed is justice denied.”

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British man charged with trying to drown his daughter-in-law in swimming pool on Florida holiday

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British man charged with trying to drown his daughter-in-law in swimming pool on Florida holiday

A British man who allegedly tried to drown his daughter-in-law in a holiday swimming pool in Florida has been charged by police.

Mark Raymond Gibbon, 62, of Beaconsfield, Buckinghamshire, allegedly held the 33-year-old underwater repeatedly after they argued about his grandchildren.

He allegedly only stopped when a pair of sisters staying next door called the Polk County sheriff’s department.

The victim’s nine-year-old daughter also allegedly jumped into the pool to stop Gibbon from drowning her mother.

The family were staying at a rental home in the Solterra Resort of Davenport, Florida, when the incident occurred on Sunday, according to Sheriff Grady Judd.

Officers responded to reports of a disturbance in a pool at around 5.20pm local time.

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“It’s great that Polk County draws visitors from all across the world, but we expect vacationers to behave while they visit with us, just as we expect our lifelong residents to do the same,” said the sheriff.

“Because Mr Gibbon couldn’t control his anger, he may find himself spending a lot more time in Florida than he had anticipated.”

Gibbon was arrested and taken to Polk County Jail, where he was charged with attempted second-degree murder and battery.

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UK warned it risks exodus of ‘disillusioned’ doctors

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UK warned it risks exodus of 'disillusioned' doctors

Nearly one in five doctors is considering quitting in the UK, new figures show, while one in eight is thinking about leaving the country to work abroad.

The General Medical Council (GMC), which commissioned the research, is warning that plans to cut hospital waiting lists will be at risk unless more is done to retain them.

By July 2029, the prime minister has said 92% of patients needing routine hospital treatment like hip and knee replacements will be seen within 18 weeks.

“[Poor staff retention] could threaten government ambitions to reduce waiting times and deliver better care to patients,” warned the authors of the GMC’s latest report.

The main reason doctors gave for considering moving abroad was they are “treated better” in other countries, while the second most common reason was better pay.

Some 43% said they had researched career opportunities in other countries, while 15% reported taking “hard steps” towards moving abroad, like applying for roles or contacting recruiters.

“Like any profession, doctors who are disillusioned with their careers will start looking elsewhere,” said Charlie Massey, chief executive of the GMC.

“Doctors need to be satisfied, supported, and see a hopeful future for themselves, or we may risk losing their talent and expertise altogether.”

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‘No doctor wants to go out on strike’

The report – which comes after a recent five-day walkout by resident doctors – is based on the responses of 4,697 doctors around the UK and also explores how they feel about career progression.

One in three said they are unable to progress their education, training and careers in the way they want.

Those who didn’t feel like their careers were progressing were at higher risk of burnout and were less satisfied with their work.

The GMC blamed workloads, competition for jobs, and lack of senior support for development for adversely impacting the career progression of UK doctors.

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‘They are losing the respect of the community’

‘Legitimate complaints’

The Department of Health and Social Care acknowledged doctors had suffered “more than a decade of neglect”.

“Doctors have legitimate complaints about their conditions, including issues with training bottlenecks and career progression,” said a spokesperson.

“We want to work with them to address these and improve their working lives, which includes our plans set out in the 10 Year Health Plan to prioritise UK graduates and increase speciality training posts.

“This government is committed to improving career opportunities and working conditions, bringing in ways to recognise and reward talent – as well as freeing up clinicians’ time by cutting red tape.”

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