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    Tax avoidance, which any decent IFA or accountant can advise you on is perfectly legal.

    What is galling is not so much that people take advantage of the allowances and loopholes in our Byzantine tax code, but that HMG agrees to allow such things as the situation with the Student Loans boss, Vodafone etc. rather than closing the loopholes.

    When I was younger the UK tax code "bible" Tolleys used to run to 1 volume, it now runs to over 12 separate volumes of varying thicknesses, due to the ever growing complexity of the code. Successive governments have failed to address this and have just added more "stuff" rather than sweeping clean and implementing a better, simpler system.

    The simpler it is the less likely any of us are to over pay etc.

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