Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
For some reason my husband's previous employer had him underpay tax on his pay. His new employer did not deduct tax in August and September for some reason. Now, in December, all was taken off at once and we have to try and survive on about £400 nett.
I heard that employers are not allowed to take more than a certain % off wages at once if there was an underpayment somewhere.
Can anyone shed light on this and advise what we can do?
normally any underpaid tax would be taken the next year after by adjusting the tax code
What happens if you've paid too little tax
If we know about your underpayment during the year
We will adjust your current year's tax code right away so that you don't continue to pay too little tax and send you a 'PAYE Coding Notice' telling you what this new code is. This will be based on the latest information that we hold and will make sure that you pay the correct amount of tax for the rest of the year. However, this adjustment will not collect your underpaid tax.
We'll also give you an 'estimate' of how much tax you underpaid during the time when your tax code was too high and explain how we'll collect it by further adjusting your tax code not this year but next.
Bear in mind that the amount we tell you is underpaid is only an estimate - we are just part way through the year and other changes may occur - and we may have to amend it when we check it again at the end of the tax year. You'll get another PAYE Coding Notice telling you what you have to pay back
did the tax office notify you of any underpayment ?
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No, they did not notify us. Nor did my husband's company. We were only told that his office should have spoken to the tax office and asked for advise. They would have recommended to get them to put my husband on a weekly taxcode for the next 12 months which would mean they would have taken the tax bit by bit rather than at once. That is all we know.