Hi Julia and welcome to the forum.
Sorry to hear about your situation. You do seem to have had a tough time of it with HMRC. Form what you have said bankruptcy does seem the correct solution for you. From what i understand, HMRC will be prepared to make people bankrupt for unpaid tax debts so it might be worth your while holding out for that. You could always suggest to them that they do it and see what they say. In the mean time why not start saving for the bankrutpcy fee so you can go ahead if HMRC do not act. If you are on a low income or benefits, the cost wil be £525.
IVA completed - July 2011
As a forum moderator I am here to help other forum members by sharing my experience of solving a debt problem and giving suggestions and advice where I can.