Sorry if this is a bit garbled and complicated but I'm a bit panicky.
Brief background - lost my job (made redundant last year due to covid), had baby at around the same time. I worked in a restaurant last summer and in my DH's business (limited company) since last autumn. Both paid me via bank transfer but neither have produced payslips for me.
I only earn £100/week through the business (and earned less at the restaurant), so I'm comfortable that I'm under tax threshold etc. But I've just had a mortgage appointment (as ours is coming up for renewal) and was told that I haven't been registered as an official employee (otherwise would receive payslips) or as a Director on CH, so my income is inadmissible re mortgage lenders. And even though it's only a tiny bit of income, it could still tip the balance one way or another when it comes to our next move.
So one issue is - what's the most effective way to be set up, as an employee or a Director? Are there any particular benefits of one set up over the other when it comes to tax, general financial health, looking forward to the future etc?
The other issue is, I'm pretty certain that I should be due a tax rebate from HMRC for tax paid during my previous employment (as overall my income for the year is below the taxable threshold, but tax was paid as normal at the beginning of the 2021/22 financial year). I've tried to use their website to start this process, but as I don't know what my employment status is in terms of the income earned since I was made redundant I'm struggling to proceed with it. I want to fully declare everything, obviously, but I don't want to inadvertently 'red flag' myself with HMRC by selecting the wrong option. I have worked, but never given a contract with either the restaurant or DH business.
Just feels like a mess and I'm not sure how to start resolving it.
Sorry if any errors, it's muddled etc. As I said, I'm panicking about it all. Please can someone help?