My repayment issue dates now at least two years now, i have requested repayment, i have chatted, i have gone through security checks, i have spent money for tax advisers and they always send me back to contact hmrc for repayment as they cannot do this on my behalf, with the tough times after pandemic, loss of jobs, increase in living costs, despite all these, am still stuck with repayment issues, it would be fair and a relief for hmrc to just inform me they will not repay, i have taken loans, and in debts, but still, this money sits on my account pending, since 2018, 2019, and 2020, and am doubting now if am going to get the refund totalling £4878.82...av even requested just part of the money, but to no avail, just to offset bills and debts, am writing a letter now to hmrc enclosing the request of a repayment, ....sent on the 14 of july 2023 at 15:50, self assemnt 2018 £1609.20........, 2019 £1643.19......, 2020 £1626.43.....totall 4878.82, and hopefully clear my credit score as my accounts are just a disaster, to a point i cant even accept a loan offer as it will sink me deeper into debts, for now am just living "diging a hole to fill another hole" in debts, ...and my income is just swallowed in overdrafts...