Tax Query following change of job

stroudjames

Hello,

I worked full time in the NHS earning around £60k a year (gross salary). In October 2019 I changed my job - still working in the NHS but split across two health boards. As a result of the change in job, I took a slight pay cut (current gross pay is around £56,600).

Over the last few months I have noticed that I am paying a lot more tax. Previously I was paying about £720 a month, now I'm paying around £1,100.

I am on 2 separate tax codes with my jobs (one cumulative and the other non cumulative). The payroll department in work say that I need to be on cumulative with both jobs, however when I call HMRC about it, they say that they can't switch me over until the new tax year as I have used up all my personal allowance.

I suppose my questions are:
a) Is the advice from HMRC correct - do I have to wait until the new financial year to avoid paying even more.
b) Will I get any money I've overpaid back in April?

Thanks for your help/advice.

All the best

James

chrisbur

This sort of situation can make splitting codes a bit difficult but I would have thought something a bit closer was possible.
Your taxable gross pay appears to be quite a bit less than your total gross.

Can you give from last payslips
Taxable gross
Tax paid
Tax code/basis
Taxable gross to date
Tax paid to date

Dazed_and_confused

I suspect the op may well have been paid twice in one tax month and received Personal Allowance against each job.

As such they now owe tax and HMRC are collecting it over the course of the current tax year.

b) Will I get any money I've overpaid back in April?

At the moment there is no reason to think you have paid too much tax. Figures will obviously help.

stroudjames

Thanks both for your replies. Still trying to get my head around the figures.

badmemory

Are you sure they don't think that you still have all these jobs?

katsu

What are the two tax codes?

stroudjames

Hello,

Sorry for the delay in replying. On one of my jobs (2 days a week) my tax code is 'C1289L Cumulative'. On my other job (3 days a week that is higher paying) the tax code is 'CD0 Non Cumulative'.

I've just checked the payslips I've had this month and it is still about £400 more tax than I was paying last year when my earnings were more from just one job.

molerat

Is the 2 day job with your original employer ? Looks like they have allocated the codes assuming the 2 day job is full time and paying you into 40% territory and are taxing all the 3 day "2nd" job at 40%. You need to speak to them and try to get something sorted.

Best advice is don't switch to 2 jobs mid year as HMRC invariably !!!! up the tax codes

stroudjames

Thanks Molerat - you're right the 2 day a week job was with my original employer and the 3 day a week job seems to be taxed at 40%! It didn't even dawn on me when I changed jobs there would be these tax implications. Should get the money back though in the new tax year

Dazed_and_confused

Should get the money back though in the new tax year

What money back?

You haven't posted anything yet to show that you are definitely paying too much tax.

I am on 2 separate tax codes with my jobs (one cumulative and the other non cumulative).

On one of my jobs (2 days a week) my tax code is 'C1289L Cumulative'. On my other job (3 days a week that is higher paying) the tax code is 'CD0 Non Cumulative

There may be some unused basic rate tax band available from the 2 days a week job but without any firm figures it's impossible to know.

As that job is using the tax code on a cumulative basis you will be getting tax adjustments each pay day giving you a bit of the 40% tax you would have been paying back i.e. your tax on the 2 days a week job is likely less that it would normally be.