nannyd

My husband and I have (purchased in Aug 2019 on 10yr finance) a pre owned static caravan on a holiday park on the south coast which we purchased when we lived 300 miles away in the north east so we could travel down to see our family and take our grandchildren for little holidays and to make memories. We had hoped by letting it out when not using it ourselves any income would help cover the cost of site fees (£6 - 7k annually since 2020), utility costs and maintenance/insurance etc by, however, due to Covid lockdown we were hardly able to let it out in 2020 (still had full site fees paid on credit card) and and so far we have never made enough to cover the site fees and other costs let alone finance payments of £6k per year. We have had to top up what income we made on a credit card and so we have decided at the end of this season we are giving it up even though we will still owe a substantial amount (?£25K) on finance which will be at the halfway point where we can surrender it back to finance company and walk away with nothing more to pay. Its been very stressful and complicated and I've only recently learned that we should have been completing declarations for tax so not sure where we stand as we have already lost thousands of pounds paying out more than we get back by renting it out Any advice? Our only income is my husbands state pension (he is 71) and attendance allowance while I (64 this year) have a small NHS pension (early ill health retirement) and due to disability I receive contribution based ESA and PIP.

Both my husband and I have received PPI refunds in the past via a 3rd party who took a commission plus tax ?VAT, not sure of the dates but probably at least 7-8years ago. I have recently read that people are able to claim back the tax that was deducted from the PPI refund, how does this work and can I submit a claim direct to HMRC or do I have to go through a claims management company. Also I have heard of claims being made (most likely fraudulently) by claims management companies without the knowledge or consent of the person in question who only learn of this when HMRC write and tell them a refund has been issued to a company on their behalf. We have moved house in the past 18mths and although mail was forwarded for a time is there any way I can check if refunds have been issued in mine or my husbands name?