I was born in 1940
I'm back.As you were born after 5 April 1938 and before 6 April 1948, you are entitled to a personal allowance of £10,500. Howeever, if your income which is chargeable to UK tax which in your case will only be your police pension is more than £27,000, you will lose £1 for every £2 of income over £27,000 until you are left with a basic personal allowance of £10,000.You should be on a tax code of 1050L (£10,500) as your income tax able in the UK is no more than £27,000. That isn't much different from £1060L which you appear to be on. I cannot explain where the figure of £27,820 comes from as the allowances and thresholds are quite clearly set out here. You might call the tax office and ask them to clarify that.I hope this helps but let me know if you have any further questions.