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This document explains what you need to know that a promoter will not tell you:

• most tax avoidance schemes do not work
• it could cost you more than you expected
• you pay a higher fee or margin for using an avoidance scheme
• you may have significant legal fees to pay
• your scheme is never HMRC approved
• you could be identified as a higher-risk taxpayer
• HMRC is likely to defeat your scheme in court
• the risk is often all your own
• you may have to pay the tax up front anyway
• your promoter may sell your outstanding loan to a third party