A wrong tax code can quietly cost you hundreds of pounds. We check your code, get it corrected with HMRC, and reclaim any tax you have overpaid, so you keep what is rightfully yours.
Wrong Tax Code
Your tax code tells your employer or pension provider how much tax-free income you get and therefore how much tax to deduct. When it is wrong, from starting a new job, having more than one income, a company benefit, or an HMRC error, you can be overtaxed month after month, or undertaxed and left with a bill. Emergency tax codes, applied when HMRC does not yet have your details, are a common cause of overpayment.
Your Tax Help Accountants checks your tax code against your actual circumstances, explains what each part means, and gets it corrected with HMRC so your take-home pay is right going forward. Where a wrong or emergency code has caused you to overpay, we reclaim the money, either through a refund claim or your Self Assessment. And if a wrong code has caused an underpayment, we help you deal with it sensibly rather than being caught out.
Emergency tax and wrong codes almost always sort out eventually, but you can wait a long time and lose the use of your money in the meantime. Checking your code and reclaiming proactively puts the cash back in your pocket now, not next year.
The Detail That Matters
Your tax code tells your employer or pension provider how much tax-free income to give you. When it is wrong, and it often is after a job change, a benefit, or multiple incomes, you either overpay for months or build up a bill. Checking it is quick and can be worth a lot.
The number in your code is your tax-free allowance divided by ten (1257L means £12,570 tax-free), and the letter reflects your circumstances. Codes like BR, D0, 0T or K numbers signal that little or no allowance is being given, or that you are being taxed on extra, which may or may not be correct.
Common causes are a new job overlapping with an old one, a company benefit (car, medical insurance) estimated wrongly, an underpayment being coded out, multiple pensions, or an out-of-date estimate of untaxed income. HMRC works from the information it holds, which is often incomplete.
A wrong code can quietly overtax you every payday, a K code or a missing allowance can cost hundreds over a year, or undertax you, storing up a bill collected later. Either way, catching it early protects your cash flow.
We check the code against your actual income, allowances and benefits, get HMRC to reissue the correct code, and reclaim any tax overpaid, including for earlier years if the error ran on. It is one of the simplest, most overlooked ways to recover money.
People assume their tax code must be right because HMRC set it, but codes are frequently based on stale or wrong data, and an incorrect one can cost you every single payday until it is challenged.
Key Figures
How We Help
We decode your tax code, check it against your real income, benefits and allowances, and identify exactly why it is wrong and what it should be.
We contact HMRC to correct your code so your future pay is taxed properly, and make sure new jobs, pensions and benefits are reflected.
Where a wrong or emergency code has overtaxed you, we reclaim the money from HMRC, rather than waiting and hoping it corrects itself.
All the forms, calculations and correspondence handled on your behalf, so you never have to decode HMRC's rules or sit on hold.
A clear fixed fee quoted after a free call, your position explained in plain English, and never a surprise bill.
We act quickly, and where earlier years are involved we put those right too, reclaiming refunds or minimising penalties.
A wrong tax code is easy to miss because the money simply never reaches your account. People can overpay for months or years without noticing, or be quietly building up an underpayment that HMRC later claws back. A quick check tells you which is happening and lets us put it right.
Recent Client Outcome
A client changed jobs mid-year and was put on a code that gave no personal allowance, overtaxing them by several hundred pounds over three months.
What we did. We identified that the new employer had received no P45 details, so HMRC applied an emergency code. We provided the correct figures and had HMRC reissue a cumulative 1257L code.
The outcome. The corrected code refunded the overpaid tax through the next payslip, and we checked the prior year too, where a smaller error was also put right.
A five-minute check turned into a refund of several hundred pounds and a code that now collects the right tax going forward.
Why People Come to Us
Questions Answered
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