I'm sorry you're struggling with this.
Have you read this?
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1114690/Nationality_policy_-_good_character.pdf
I think as a general rule, they are looking for intentional and/or repeated wrongdoing. Forgetting to cancel the marriage allowance, which you have now rectified is not, IMO, something that you would be refused for.
I'm a big fan of explaining anything which needs an explanation but I think you need to be careful if you do that, to make it easy to read, crystal clear and unambiguous. I've only read your posts quickly but I'm not quite sure of your situation.
Hi larrabee. Thanks so much for your kind reply. I, and everyone I've vented to about this, thinks this should not be something that reflects negatively on me as it was an honest mistake. But you are told when you apply for this that you "MUST" cancel it if your circumstances change and you start earning more money. It was my responsibility and I dropped the ball. And so I'm afraid what the home office will think of that. The guidance says
"Deceitful or dishonest dealings with HM government
An application will normally be refused where the person has attempted to deceive or otherwise been clearly dishonest in their dealings with another government department.
Examples might include but are not limited to:
fraudulently claiming or otherwise defrauding the benefits system
unlawfully accessing services (for example, housing or health care) for which access is controlled by immigration legislation
providing dishonest information in order to acquire goods or services (for example, providing false details in order to obtain a driving licence)
providing false or deliberately misleading information at earlier stages of the immigration application process (for example, providing false bio-data, claiming to be a nationality they were not or concealing conviction data)
Where false or deliberately misleading information was provided in an earlier immigration application, you must consider whether it is also appropriate to refuse on grounds of deception.
The extent to which false information was provided should be assessed and what, if anything, was intended or actually gained as a result.
You must not refuse an application if you are satisfied that the person made a genuine mistake on an application form or claimed something to which they reasonably believed or were advised they were entitled to and there are no other adverse factors impacting on the applicant’s good character."
This makes it a bit hard to judge my case as I knew what I was supposed to do, I just forgot to do it.
Basically, I (like many people) struggled with employment and was making little money during the pandemic. So I applied to give my spouse the 10% of my tax free threshold. It saved him/us £252 a year. The next financial year, my income remained low.
I started a new job at the end of that financial year but it was for a short term contract. It ended up getting extended by a few months over and over again till I was let go 13 months after I started in this past January. So I never even had that job for a full financial year. Combine all that with finally having trips home to see family, the death of my grandma, and various other things....and life was so chaotic that I just completely forgot about it entirely.
Even when I got my P60 and it showed I went over the 12570 limit for eligibility, I didn't remember. Hmrc doesnt send you any reminders or anything. Was only recently when I went onto my hmrc account to work on my American taxes and look at the dates for employment for the application, that I saw that it said the allowance was still there. That's when I felt my heart drop and panicked.
I called the next day to cancel it. By the rules, I should have done it last financial year. Because its just how their system works that the allowance will stay in place for the remainder of the financial year. But I forgot, so I'll now have it till the end of this one.
A sane and decent person would hear this and understand its an honest mistake. (Especially since it means it was a mistake that only hurts myself as I personally paid and will pay £252 more in tax than I should.) But will the home office be understanding? That's the question.
So just trying to figure out if it would be best to still apply with an explanation and hope for the best, or wait a few years for it to not be so fresh.