HMRC taking more than a year to pay out tax rebates

Taxpayers talk of having to borrow cash and wait for months amid significant backlogs' in processing of claims

Some people are waiting a year or more for HM Revenue and Customs to refund overpaid tax and national insurance contributions (NICs).

In some cases, refunds thatwere previously processed within a fewweeks are taking 10months ormore, an investigation by Guardian Money has found.