Viking Supporters Co-operative
Viking Chat => Off Topic => Topic started by: balbyrover on March 16, 2017, 07:03:36 pm
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Can anybody explain how tax works? Ive been working a few years now and got a tax rebate in Sept 15 when i started working at One Call.
Almost 2 years on andi have just started another job and been emergency taxed so rung HMRC who took some details and said theyve worked out im owed around 900 because ive earnt less than 11500?
Is it every single year that you get your first 11 grand tax free from april then pay tax after or?
I just dont particularly understand any of it at all.
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In basic terms, everyone gets a tax-free allowance on their earnings up to £11,000.
So for every £1 you earn up to a maximum of £11,000, you pay zero tax - this is the personal allowance
After this you pay 20p for every £1 you earn, until you earn £43,000 - this is the basic rate
After this you pay 40p for every £1 you earn, until you earn £150,000 - this is the higher rate
After this you pay 45p for every £1 you earn- this is the additional rate
You usually get taxed based on a whole year projection. So if you were doing a job with a £20,000 salary, but only for 6 months, you'd still get taxed whilst you working at the basic rate. However, when you stopped after 6 months you'd only have made £10,000, so you'd be due a rebate. HMRC won't usually know about this until after the end of the tax year in April, and you may have to chase them for it.
National Insurance works in a different way
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In basic terms, everyone gets a tax-free allowance on their earnings up to £11,000.
So for every £1 you earn up to a maximum of £11,000, you pay zero tax - this is the personal allowance
After this you pay 20p for every £1 you earn, until you earn £43,000 - this is the basic rate
After this you pay 40p for every £1 you earn, until you earn £150,000 - this is the higher rate
After this you pay 45p for every £1 you earn- this is the additional rate
You usually get taxed based on a whole year projection. So if you were doing a job with a £20,000 salary, but only for 6 months, you'd still get taxed whilst you working at the basic rate. However, when you stopped after 6 months you'd only have made £10,000, so you'd be due a rebate. HMRC won't usually know about this until after the end of the tax year in April, and you may have to chase them for it.
National Insurance works in a different way
Thanks for that. So for the 11000 allowance.
Does that restart every april?
Or is it just your first working year?
Sorry if i sound a bit thick
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Everyone gets a new personal allowance every new tax year. It was £11,000 this year, and I think it is £11,500 for 2017/18, so if you earn less than £11,500 between April 6th 2017 and April 5th 2018 you won't pay any tax.
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However if say you earn 22k pa it's not a case that you don't pay any tax for the first 6 months they "average" it out over the 12months
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In March I cashed a pension pot in and they taxed me on all three rates so I'll be ringing them in May if I haven't heard from them.
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In March I cashed a pension pot in and they taxed me on all three rates so I'll be ringing them in May if I haven't heard from them.
Have you worked out how much you should have paid on it?
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Not yet Jenny.
They did break down the amounts.
I pay tax as I have received another works pension since 2003 and started the state pension in 2015.
I would have left this one until about now but thought that the government might decide to stop me taking the lump sum. It was a fair lump but would have been a small monthly payment from Aviva's forecast.
At 68 I'd rather have a choice on how I spend or invest it.
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That need'nt be taxing.
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That need'nt be taxing.
Eh?
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Just been on the phone and had a bit of a barney with a advisor. He told me now i am only owed 70 pound and the previous advisor who misadvised me might have been a trainee.
I got that wound up had to put phone down... im going to get a pen paper ajd call them back.
Is there anybody who can help me who has a bit of a knowledge on tax etc? Where do i stand?
Even if ive earned 14k then i will be due something back surely?
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Called back. Spoke with a manager who says he is sorry i was told im due 1k back its only 84.40.
Asked him to escalate and awaiting a call back from hmrc complaints team.
Not lying down with this. Disgraceful
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What you've got to remember is when you call HMRC you basically get through to call centre monkeys who are poorly trained through no fault of their own due to cut backs etc
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He's done well to get through
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What you've got to remember is when you call HMRC you basically get through to call centre monkeys who are poorly trained through no fault of their own due to cut backs etc
I appriciate that but to completely misadvise me is wrong. Im not at fault and do have all the calls recorded so.
Intriuged as to what there resoloution will be.
If they don't offer me a reasonable cash amount or some form of resoloution then ill be taking it further
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It might take them a few days to get back to you they took that when I had a problem with my Dad's estate, everything was paid etc etc in a timely manner 2 years later they tried to claim £200 was outstanding the advisor said tough as the executor you've got to pay, however it had been published in the paper anybody having a claim on the estate etc etc so there becomes a time limit when the supervisor rang back I won and it was all waived
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What sort of resolution would you hope for balbyrover? If you're only owed 80 quid or so then that's probably all you'll get.
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What sort of resolution would you hope for balbyrover? If you're only owed 80 quid or so then that's probably all you'll get.
I would suggest thats right
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What sort of resolution would you hope for balbyrover? If you're only owed 80 quid or so then that's probably all you'll get.
I would suggest thats right
But to be told im going to get significantly more is shocking and poor customer service.
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Agreed it's a balls up, but it doesn't mean they should pay you above and beyond what you're owed unfortunately
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
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They are usually fairly accurate, in the end..
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
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Good luck 😂😂😂😂😂😂😂😝
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
There's nowhere you can go with it you're neither a customer or legally due anything. The suggestion would be ask an expert to help next time.
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
You clearly don't understand how HMRC work. They made an error and they've sorted it, prettty much like you had absolutely no clue how tax worked and now feel like your some kind of expert due an apology and an enhanced payment. You are wasting their time, and your time and energy.
Youll be better off spending your time educating yourself on the basics of how personal tax works, so that you don't have to rely on an untrained overworked call centre monkey giving you a bit of dud advice and leaving HMRC to spend their time collecting the millions of unpaid tax kicking around.
Edit - how has it inconvienced you massively? You paid a tiny bit more than you should which you'll get back? And that isn't even always the fault of HMRC, more on employers and previous employers not issuing documents quick enough.
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Maybe he already spent the money he thought he was due? That would be inconvenient. And naive.
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I transfer part of my wife's tax free pay onto mine as she only earns 9k per year it works out I get around £244 extra per year you can claim for last year as well , got my dad to do it as my mum only gets a small pension and does not use her tax allowance , I do my own tax you can complain to the tax office but trust me it will get you know where just more frustrated
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
You clearly don't understand how HMRC work. They made an error and they've sorted it, prettty much like you had absolutely no clue how tax worked and now feel like your some kind of expert due an apology and an enhanced payment. You are wasting their time, and your time and energy.
Youll be better off spending your time educating yourself on the basics of how personal tax works, so that you don't have to rely on an untrained overworked call centre monkey giving you a bit of dud advice and leaving HMRC to spend their time collecting the millions of unpaid tax kicking around.
Edit - how has it inconvienced you massively? You paid a tiny bit more than you should which you'll get back? And that isn't even always the fault of HMRC, more on employers and previous employers not issuing documents quick enough.
Which is why i asked. I had a basic understanding and haven't once said i am a expert.
It is basic customer service and i was misadvised which im not happy about. I have not asked for "enhanced payment."
I think your reply is quite snotty really.
Thanks for the decent posters though who've answered.
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
You clearly don't understand how HMRC work. They made an error and they've sorted it, prettty much like you had absolutely no clue how tax worked and now feel like your some kind of expert due an apology and an enhanced payment. You are wasting their time, and your time and energy.
Youll be better off spending your time educating yourself on the basics of how personal tax works, so that you don't have to rely on an untrained overworked call centre monkey giving you a bit of dud advice and leaving HMRC to spend their time collecting the millions of unpaid tax kicking around.
Edit - how has it inconvienced you massively? You paid a tiny bit more than you should which you'll get back? And that isn't even always the fault of HMRC, more on employers and previous employers not issuing documents quick enough.
Which is why i asked. I had a basic understanding and haven't once said i am a expert.
It is basic customer service and i was misadvised which im not happy about. I have not asked for "enhanced payment."
I think your reply is quite snotty really.
Thanks for the decent posters though who've answered.
You are not a customer of HMRC, they have no Customers, they are basically a collection agency
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You are deluded if you think you'll get any kind of gesture of goodwill from HMRC. You'll get what you are owed and that is that.
I don't think it is deluded. I expect that they probably will try fob me off with a apology. But its up to me whether i try push the matter further.
It has inconvenienced me massively and whilst i understand that i may only be owed £84.40 i still want to speak with somebody of authority.
I don't think it makes me deluded and i also don't think im being unreasonable.
You clearly don't understand how HMRC work. They made an error and they've sorted it, prettty much like you had absolutely no clue how tax worked and now feel like your some kind of expert due an apology and an enhanced payment. You are wasting their time, and your time and energy.
Youll be better off spending your time educating yourself on the basics of how personal tax works, so that you don't have to rely on an untrained overworked call centre monkey giving you a bit of dud advice and leaving HMRC to spend their time collecting the millions of unpaid tax kicking around.
Edit - how has it inconvienced you massively? You paid a tiny bit more than you should which you'll get back? And that isn't even always the fault of HMRC, more on employers and previous employers not issuing documents quick enough.
Which is why i asked. I had a basic understanding and haven't once said i am a expert.
It is basic customer service and i was misadvised which im not happy about. I have not asked for "enhanced payment."
I think your reply is quite snotty really.
Thanks for the decent posters though who've answered.
You are not a customer of HMRC, they have no Customers, they are basically a collection agency
Fair point. Lets go with poor service then.
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Still no call back as promised. Called them and the complaints team have gone home but have apparently noted to say they will be looking into it.
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They are probably diverting resources to real issues.
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IR35 being one that immediately comes to mind
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They are probably diverting resources to real issues.
Maybe.. anything else smart to say yet?
You used to be a decent poster.. now you just try and jump down peoples throats. Must make you feel better about your own shitty life. :suicide:
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They are probably diverting resources to real issues.
Maybe.. anything else smart to say yet?
You used to be a decent poster.. now you just try and jump down peoples throats. Must make you feel better about your own shitty life. :suicide:
I'm just giving my opinion and trying to manage your expectations. I've had extensive dealings with HMRC for the past 13 years and unfortunately they are more stretched than they have ever been, have no resource and don't train their staff to an adequate standard meaning that sometimes mistakes happen.... I have to correct my own tax bill pretty much every year, but I know that kicking up a fuss and complaining doesn't really resolve anything - they have far bigger fish to fry and it's quite right that they should be focusing their attention on collecting the billions of pounds of unpaid tax in the country rather than doing extensive investigation every time a call centre monkey answers a question wrong.
They might call you back and apologise, but it probably won't stop the same person from making a similar mistake, make them train their staff any better or result in any kind of compensation.
We are not customers of HMRC therefore they probably care very little if anyone slags them off on the internet, so they won't move quickly to quash any ill feeling towards them.
I'd take it on the chin, don't waste your energy on chasing them and use the millions of income tax calculators on line to see what you should have paid using your salary details and tax coding. Far more reliable than HMRC unfortunately.
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Chuffing Spiders! Balby rover you need to grow up a bit,put your dummy back in and stop winding folks up who are trying to be helpful.
Oh and by the way the last organisation you want to be upsetting is the inland revenue.
When dealing with them it's best to keep a very low profile.
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If they have said a supervisor/team leader/complaints will call back, in my experience the chances are they will, but not always in the timescale hoped for or told to you, however you won't get bugger all free gratis as such, the letter of the rules will be applied. a cock ups a cock up so to speak sorry but this is what happens, somebody might say sorry on the phone but thats about it
I won my little argument with them on my Dads estate purely because I as the executor put an advert in the local paper which by law put a time limit on things even for them, tbh I didnt even get an apology from them for even trying to claim outside the limits, I just got a letter saying due to the time lapse we won't pursue this matter, any outstanding amount on the estate is waived.
No extra payment no real apology no nowt I'm afraid thats how it works
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Just wait until you fall out with a solicitor Balby! Now that's a challenge and a half that is.
Cheers
BobG
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Just recieved a call back. They've accepted full responsibility and apoligised,they've awarded me £150 in compensation.
So my calls were worth it and maybe I'm not so deluded as Jenny alluded too.Couldn't be bothered arguing anymore so accepted. The lady who resolved it was very helpful.
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Just recieved a call back. They've accepted full responsibility and apoligised,they've awarded me £150 in compensation.
So my calls were worth it and maybe I'm not so deluded as Jenny alluded too.Couldn't be bothered arguing anymore so accepted. The lady who resolved it was very helpful.
Well played sir. That's a very unexpected outcome.
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Just recieved a call back. They've accepted full responsibility and apoligised,they've awarded me £150 in compensation.
So my calls were worth it and maybe I'm not so deluded as Jenny alluded too.Couldn't be bothered arguing anymore so accepted. The lady who resolved it was very helpful.
Well played sir. That's a very unexpected outcome.
Suprised me too..the lady who took on my complaint was a customer service manager and she was brilliant in fairness.
Couldn't apoligise enough,says it will be dealt with internally and said as a compensation for the misunderstanding will transfer/or send me a cheque for the £150. The phone call took 3 minutes and happy parties all round.
Just goes to show,if you think you've got a case. Pursue it.
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The only problem is Balby, I've done nothing wrong either but my taxes are going towards your £150. 😉
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The only problem is Balby, I've done nothing wrong either but my taxes are going towards your £150. 😉
Lol. I was waiting for somebody to post that.. just highlights the joke of a system that is in place though really.
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Back in 2003 I took redundancy and had got divorced some 7 years previously. This meant that my old works pension would die with me as a spouse benefitted but not children after 18 months.
I got a decent lump sum and started drawing my pension monthly as I was 55. I was going out with a lady that was the same age and she started collecting a pension from Granada TV. as she was the same age. She commented that she was paying tax on her pension and I wasn't on mine.
I wrote to the tax office giving details of my employment, all dates and NI number etc.
The following week they wrote back and asked very sharply for all the details that I had just supplied.
I sent these back informing them that I had sent them that I had provided them in the letter that they were contacting me about. I started having tax deducted from that time. Some months later I rang and asked about paying any arrears for the period that none was deducted. I never heard back so rang and spoke to a chap. He didn't reassure me much when thanking me for my honesty but said, " Don't worry someone will contact you, maybe not this year, maybe not next but you have told me".
A year later I contacted them again by letter and no response.
I gave it up as a bad job then but have kept every pay slip P60 and my last P45 just in case but imagine that it has gone past a date for them to bother after nearly 14 years.
It hasn't given me much faith in the system.
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As a nipper my Dad who worked at Broddy, had a dispute with them. He couldn't find the one pay slip he needed. In those days the payslip was like a long ribbon affair and I can still see him pinning every payslip after that on a wire under the sink he never threw another one away after that