Originally posted by BlueSquid
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(1) appeal and fight against it
(2) settle
You can do (2) yourself or use your current accountant. If you can't afford to pay in one go, ask HMRC for a payment plan (time to pay).
Personally I'd forget about (1). I don't know of anyone using a contractor avoidance scheme in the past 20 years who has successfully fought HMRC. The odds are stacked massively against you, and litigation is horrendously expensive.
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