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Many thanks for your patience. You are correct that the employer has the legal right to recover any overpayments as that is something they are entitled to do under the Employment Rights Act 1996. However, at the same time they owe you an implied duty of trust, which exists in every employment relationship. This would have expected them to communicate with you about the proposed deductions and perhaps discuss with you what is a reasonable amount to take from your pay to ensure that you are not left without money to meet basic outgoings like bills, food, mortgage, etc.
Simply proceeding with the deductions and obviously leaving you with an unreasonable amount is not fair and it is a likely breach of trust. On that basis you can raise a formal grievance with the employer to formally complain about their actions and to force them to look into this and come up with an agreeable solution.
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