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Posted Sun, 16 Jun 2024 14:20:32 GMT by Stephen
Good afternoon I have requested various statements of interest ("tax certificates") from my soon-to-be-former bank for closed accounts. Despite multiple requests, they seem to be unable to provide a statement of interest for one particular joint account. This is a source of enormous frustration for me as my wife and I would like to begin preparing our tax returns. However, I do have the total interest figure and tax deducted for that account, so I will be able to calculate total interest earned across all accounts. Would the figure alone be sufficient to declare savings interest on our returns, without the statement? Would there be a problem with me retaining statements for every account except one? Thanks in advance for your help.
Posted Thu, 20 Jun 2024 08:19:06 GMT by HMRC Admin 20
Please use the figures you have, as this will allow you to complete your tax return.  
Should HMRC open an enquiry, they may ask for supporting evidence.  
It would only be then that you would need to explain how you arrived at the figures for this particular account.
Thank you.
Posted Tue, 25 Jun 2024 21:53:54 GMT by Stephen
So, just to be clear: are you saying it's better to have every interest statement in case of an HMRC enquiry?
Posted Tue, 02 Jul 2024 10:34:10 GMT by HMRC Admin 21
Hi Stephen,
Yes that would be correct. The bank or building society should be able to provide these for you.
Thank you.
Posted Tue, 02 Jul 2024 12:19:15 GMT by Stephen
Thanks for your help.

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