The advice thread for random problems #3

[PillowsofFluff]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

 

[stardust1]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

he will still be expected to pay however they will accept a monthly pay plan x

 

[stargirl23]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

If you go on gov website you should be able to put in national insurance and check it’s correct. In some cases hey have saved a breakdown of what you’ve been paid that year. I had to use it before as I thought I was overpaying so I checked if they owed me anything and they did x

 

[OnlyHereForTheLolz]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

Does it actually state he needs to pay a lump sum? They normally take it out weekly or monthly depending how you get paid for the rest of the financial year. So if he is salaried it should be nine/ten payments, starting July.
It’s taxes so there is no way of getting out of it

 

[HoGi]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

Normally you provide new employer with your P45 from your old job or complete a starter statement (which confirms if it is your first job of the year or not) and that tells the new employer which tax to use. The emergency tax code is 1257L week1/month1 so shouldn't have been backdated to the start of the year so he should only have underpaid for a month or so not several months.

The new employer should have been submitting RTI to HMRC every month so they would be aware he had a new job and should have adjusted his tax code based off the fact he had earnings from elsewhere earlier in the year.

However, ultimately HMRC put the onus on the individual to make sure they pay the right tax. Most payroll departments/companies will be running payrolls for thousands of people. They won't know whether the tax code held is correct or not. They just apply the tax code they are told to use.

HMRC will let him repay monthly so give them a ring.

 

[tomato_paste]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

I don't think having someone else make a mistake on his payroll will save him from having to pay it, unfortunately.

I'd talk to citizens advice and see what they recommend - maybe they can help you at least arrange something monthly, maybe taking a little bit out of his current paychecks. He can also ask the company to reissue his wageslips, even if he's left.

Also tell him to check and save his bloody payslips, I know I'm probably riling on him for something he already (hopefully) feels bad about, but they're not just a bleepin throwaway item. They're his proof of wages and if there is ever an issue, he needs them!

 

[littlepup]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

Call HMRC direct, get clarification of exactly what's happened. Then speak to CAB or advice lines if needed once you have all the info - but HMRC are used to this, they're very understand of honest mistakes and will clarify it all. As others say, you won't be expected to pay it in a lump sum.

 

[FlyingGirl4]

How do you start your life over? For some context I’m in a long term relationship, we have bought a house together and have a toddler. I hate the job I have now. I’ve fallen out of love (not sure if I ever truly loved him anyway) with the man I’ve bought a home/had a baby with. I just feel like I’ve made this massive mistake and there’s nothing I can do other than live with the decisions I’ve made. I just don’t fancy him anymore, at all. We argue constantly and I just don’t like him as a person. I’m 30 next year and I really don’t want to get to 39 and realise I’ve done nothing about it. I just want to be happy. I’ve recently overcome the worst of post natal depression. I just want to start over, but I’m so scared of all the stuff I’ll have to think about. Also to add: I don’t regret my baby one bit, he’s the only good thing that’s come of this. I just want a bit of the old me/life back and live happily with my son x

 

[Laughalong]

How do you start your life over? For some context I’m in a long term relationship, we have bought a house together and have a toddler. I hate the job I have now. I’ve fallen out of love (not sure if I ever truly loved him anyway) with the man I’ve bought a home/had a baby with. I just feel like I’ve made this massive mistake and there’s nothing I can do other than live with the decisions I’ve made. I just don’t fancy him anymore, at all. We argue constantly and I just don’t like him as a person. I’m 30 next year and I really don’t want to get to 39 and realise I’ve done nothing about it. I just want to be happy. I’ve recently overcome the worst of post natal depression. I just want to start over, but I’m so scared of all the stuff I’ll have to think about. Also to add: I don’t regret my baby one bit, he’s the only good thing that’s come of this. I just want a bit of the old me/life back and live happily with my son x

Do you have family/friend support to move out in the interim if you were to end it? Or does he?

 

[FlyingGirl4]

Do you have family/friend support to move out in the interim if you were to end it? Or does he?

My mother said she would help. He would have to move back home which is over 300 miles away as I don’t think he could afford to live and support himself. To be honest, it’s the thought of going back to square one which puts me off, but I suppose I’ll have to start somewhere. Thank you for replying xxx

 

[didisaythatoutloudoops]

How do you start your life over? For some context I’m in a long term relationship, we have bought a house together and have a toddler. I hate the job I have now. I’ve fallen out of love (not sure if I ever truly loved him anyway) with the man I’ve bought a home/had a baby with. I just feel like I’ve made this massive mistake and there’s nothing I can do other than live with the decisions I’ve made. I just don’t fancy him anymore, at all. We argue constantly and I just don’t like him as a person. I’m 30 next year and I really don’t want to get to 39 and realise I’ve done nothing about it. I just want to be happy. I’ve recently overcome the worst of post natal depression. I just want to start over, but I’m so scared of all the stuff I’ll have to think about. Also to add: I don’t regret my baby one bit, he’s the only good thing that’s come of this. I just want a bit of the old me/life back and live happily with my son x

I'm a fair bit older than you (I won't say how much) and I divorced the father of my child for the same reason. I won't say it is easy but it is so worth it. My daughter is all grown up now and understands herself that sometimes two people just can't make it work. I have a good relationship with her dad. I recommend you keep it as amicable as possible, if you do argue over something keep it well away from your son (they pick up on it quick) and realise that the hard work now will create the life you're dreaming of later.

And you are so young at 30, you have so much time!!!! x

 

[OnlyHereForTheLolz]

How do you start your life over? For some context I’m in a long term relationship, we have bought a house together and have a toddler. I hate the job I have now. I’ve fallen out of love (not sure if I ever truly loved him anyway) with the man I’ve bought a home/had a baby with. I just feel like I’ve made this massive mistake and there’s nothing I can do other than live with the decisions I’ve made. I just don’t fancy him anymore, at all. We argue constantly and I just don’t like him as a person. I’m 30 next year and I really don’t want to get to 39 and realise I’ve done nothing about it. I just want to be happy. I’ve recently overcome the worst of post natal depression. I just want to start over, but I’m so scared of all the stuff I’ll have to think about. Also to add: I don’t regret my baby one bit, he’s the only good thing that’s come of this. I just want a bit of the old me/life back and live happily with my son x

Is it a rough patch or do you truly think the relationship has had it's day and there is no way forward? After about 7 years together we went through an awful rough patch and I'm so glad we worked through it because we've been together 20 years and apart from that the whole relationship has been great.
But if you do believe it's done then better to rip off the band aid immediately. I would also ask if there is some way you could help him stay in the area for the sake of your child. It's very important for children to have a good relationship with both parents.

 

[littlepup]

How do you start your life over? For some context I’m in a long term relationship, we have bought a house together and have a toddler. I hate the job I have now. I’ve fallen out of love (not sure if I ever truly loved him anyway) with the man I’ve bought a home/had a baby with. I just feel like I’ve made this massive mistake and there’s nothing I can do other than live with the decisions I’ve made. I just don’t fancy him anymore, at all. We argue constantly and I just don’t like him as a person. I’m 30 next year and I really don’t want to get to 39 and realise I’ve done nothing about it. I just want to be happy. I’ve recently overcome the worst of post natal depression. I just want to start over, but I’m so scared of all the stuff I’ll have to think about. Also to add: I don’t regret my baby one bit, he’s the only good thing that’s come of this. I just want a bit of the old me/life back and live happily with my son x

I didn't have a child but I started over, lost my job and car, my relationship so most friends, moved back home in my 20s. It was hard but I found a great group of friends and changed my life completely. You just have to do it, you can't move forward without taking that first step.
Having said that, be sure that this isn't a hangover from the PND, perhaps some therapy might help. Just a few sessions to organise your thoughts would be worth the cost if you can do it.

 

[FlyingGirl4]

Thank you everyone for replying, it means a lot I’m currently having therapy sessions every two weeks. My partner is a good man, he has a heart of gold deep down. I 100% trust he would never cheat or raise his hand to me. I’ve just lost all romantic feelings for him and we both have a lot of very different opinions on big things that do matter to me. If I do decide to leave, I would never stop him seeing our son and I definitely wouldn’t bad mouth him either. I’ve come from a broken home where my sibling and I were used like weapons so I know the damage it does. Xxx

 

[Snippysnips]

Anyone an expert in tax stuff?
My other half got a demand from HMRC in the post yesterday, saying he's underpaid income tax for the FY 22/23 to the tune of 1k.
We absolutely cannot afford to pay it back in one lump sum like they're asking.
He switched jobs part-way through the financial year (September), and by the looks of it from the breakdown they sent, his new job started his tax free allowance from scratch and didn't tax him until he earnt past the allowance, but obviously he'd already earnt 11k earlier in the year so this shouldn't have happened.
He doesn't have payslips as he got them electronically and never saved them, and as he left that job in May this year, he no longer has access to the system to download them again to check what actually came out.

If they did put him on the wrong tax code, do we still have to pay? I know he should have been more observant but you kind of expect payroll to get this sort of thing right.
I'm just really worrying and don't know what to do

This happened to my brother when changed jobs, he was on the wrong tax code an was underpaying his tax, he phoned them an they agreed he could do monthly payments an it's been fine

 

[didisaythatoutloudoops]

Maybe small in the grand scheme of things but here's my current woe. The neighbours above me are a couple in their 60s. They are so, so noisy. It isn't TV or music - but they slam cupboards, doors, stomp around, and sometimes it even sounds like they're dropping boulders on the floor. It happens at all times of the day and at least twice a week, I'm woken up by it at 1/2am - real loud slamming/stomping sounds.

I went up to politely ask them to try and keep noise to a minimum late at night but they insist it isn't them - that it is the 'pipes in the building because they're old'. Funnily enough, no pipe problems when they were away for the past two (blissful) weeks. Otherwise they're alright, a bit nosy but I don't really want to damage the relationship. Any solution other than simply move?

 

[littlepup]

Maybe small in the grand scheme of things but here's my current woe. The neighbours above me are a couple in their 60s. They are so, so noisy. It isn't TV or music - but they slam cupboards, doors, stomp around, and sometimes it even sounds like they're dropping boulders on the floor. It happens at all times of the day and at least twice a week, I'm woken up by it at 1/2am - real loud slamming/stomping sounds.

I went up to politely ask them to try and keep noise to a minimum late at night but they insist it isn't them - that it is the 'pipes in the building because they're old'. Funnily enough, no pipe problems when they were away for the past two (blissful) weeks. Otherwise they're alright, a bit nosy but I don't really want to damage the relationship. Any solution other than simply move?

Maybe a white noise machine (or on your phone) set while you’re sleeping to drown them out but so you can still hear say, a fire alarm?
Have they got carpets?

 

[didisaythatoutloudoops]

Maybe a white noise machine (or on your phone) set while you’re sleeping to drown them out but so you can still hear say, a fire alarm?
Have they got carpets?

I think it is hardwood floors, but they've got rugs from the few times I've been up there. I'm not sure a white noise machine would cover up how loud it is - the other problem is there can be silence for hours, and then all of a sudden SLAM SLAM SLAM. I'll give it a go on my phone and see if I sleep better tonight - they're really at it right now!

 

[Good luck with that]

I'm in my late 20s. I've got no friends. I'm married, no kids. Where can I find online groups to join to find people to do things together? It is not easy to just go outside and meet others. Any advice?

 

[Snippysnips]

I think it is hardwood floors, but they've got rugs from the few times I've been up there. I'm not sure a white noise machine would cover up how loud it is - the other problem is there can be silence for hours, and then all of a sudden SLAM SLAM SLAM. I'll give it a go on my phone and see if I sleep better tonight - they're really at it right now!

You could report them but you'd need records of it, phone recordings, a notepad of everytime they are doing it an what time etc it would come under antisocial behaviour

Is it private or rented? If it's rented I think you'd go through your landlord, an I think it may be government if it's private