Dear Abby: When my ex-wife died recently, she left our two children (in their 20s and 30s) a home that was in her name. My son has a good job; my daughter works periodically as a model.

All Optima Tax Relief did was get me on a payment plan with the IRS for the full amount owed. So not only do I still owe the IRS over $20,000, OTR milked me for almost $5000 to basically do nothing.

However, one thing clear is that Labour’s tax raid has vastly reduced the options for parents of more modest means. In 2022-23, around 57pc of day fees were less than £20,000 a year.

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