Does the accountancy firm who is appointed by my employer not have a duty of care to put me on the most reasonable emergency tax code? I am a higher rate tax payer so i would have not expected to be put on a 20% tax code.
They contend that i didn't provide a p45 or my NI number but irrespective of that they could see my salary and so should have used an appropriate higher rate code not a 20% code as they did.
Now with the salary reduction and the loan repayment i have lost about £800 per month so the mortgage is going to be very challenging.
the reason is that i am hopeless with personal paperwork and i was setting up the business for my employer and naively assumed my interests would be looked after properly. I assumed hat emergency tax codes were the default position so if anything i would be paying too much.
I'm have never reviewed my payslips in any detail so again naivety has caught me out.