Tax advice and support for those on low/no incomes

If you fall on hard times and are unable to continue paying your accountant, obviously you shouldn't wait until after they have done their work for you. Be honest upfront.

If you are in a position where you cannot afford to pay an accountant I can recommend two separate organisations here:

The Low Incomes Tax Reform Group (LITRG). Their website contains information specifically relevant to pensioners, students and low income workers

TaxAid is a separate UK charity providing free tax advice to people who cannot afford to pay a professional adviser.

Both LITRG and TaxAid are worthy causes that do wonderful work. Their websites also contain much information that might be of interest to taxpayers in general and to tax advisers and accountants.