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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

There’s no way we need to pay back this much?

66 replies

Jobseeking · 12/01/2024 16:57

child benefit,

so it’s dh, and I think he’s got this wrong

gross income (bonus, salary etc etc) £62000
gross pension paid £8487

total child benefit claimed £1885 (2 kids)

amount owed in self assessment tax return £2243.

surely this isn’t right? Husband is PAYE employee so tax is deducted at source and he’s not had any coms stating other wise from hmrc. Where as me, when I moved up a pay bracket, for a letter straight in the post advising I’d not paid enough tax.

can anyone help with this?

OP posts:
Jobseeking · 13/01/2024 10:56

OneMoreTime23 · 13/01/2024 10:34

That’s really helpful. Thanks. So the £62k is his taxable income from his P45?

It’s from his p60 his base salary plus his bonus

OP posts:
Aprilx · 13/01/2024 10:56

The nature of the pension deductions will change the amount payable and that isn’t clear. Nevertheless the repayment would never be more than what you actually received, but this is a tax return, there could have been an underpayment otherwise, which is impossible to check as you haven’t mentioned what tax he paid on income.

Jobseeking · 13/01/2024 10:58

OneMoreTime23 · 13/01/2024 10:45

It’s taxable income, not gross income.

It’s worked out there that gross minus personal allowance is around 50k, im getting really confused

OP posts:
OneMoreTime23 · 13/01/2024 10:58

Aprilx · 13/01/2024 10:56

The nature of the pension deductions will change the amount payable and that isn’t clear. Nevertheless the repayment would never be more than what you actually received, but this is a tax return, there could have been an underpayment otherwise, which is impossible to check as you haven’t mentioned what tax he paid on income.

The OP has posted the tax calculation!

it’s a student loan issue.

Jobseeking · 13/01/2024 10:58

Aprilx · 13/01/2024 10:56

The nature of the pension deductions will change the amount payable and that isn’t clear. Nevertheless the repayment would never be more than what you actually received, but this is a tax return, there could have been an underpayment otherwise, which is impossible to check as you haven’t mentioned what tax he paid on income.

It says on the image I think he paid £12474

OP posts:
OneMoreTime23 · 13/01/2024 10:59

Jobseeking · 13/01/2024 10:58

It’s worked out there that gross minus personal allowance is around 50k, im getting really confused

Can you anonymise the P60 and post that?

notsure10 · 13/01/2024 11:04

If you earn 1p over £60k you have to pay the whole child benefits back.

They only reason to claim CB if high earner is if one person not working and it keeps their NI stamps upto date.

I learnt the hard way

OneMoreTime23 · 13/01/2024 11:05

Or if you want to DM me I can have a look when I fire my laptop up in a little while.

Aprilx · 13/01/2024 11:05

OneMoreTime23 · 13/01/2024 10:58

The OP has posted the tax calculation!

it’s a student loan issue.

Calm down with your exclamation mark! I had opened the page and got sidetracked so hadn’t seen the update.

Riverstep · 13/01/2024 13:44

What is his taxable income as stated on his p60? Is his pension taken off before he is taxed? If it isn’t it needs to be applied to the form separately. Did his employer calculate his tax correctly over the year? I think the only thing you can do is call them up. A friend of mine had a bill higher than the child benefit she had received and she had put her gross income in by mistake instead of her taxable income.

Harrysmummy246 · 13/01/2024 13:48

Ticked a box on the application form

Heartbreaktuna · 13/01/2024 13:52

@notsure10 after pension contributions though. So if you contributed 6k to your pension, your taxable income would only be 54k in that scenario

Namemchangeforthispostonly101 · 13/01/2024 13:58

This reply has been withdrawn

The OP has privacy concerns, so we've agreed to take this down now.

notsure10 · 14/01/2024 07:21

Heartbreaktuna · 13/01/2024 13:52

@notsure10 after pension contributions though. So if you contributed 6k to your pension, your taxable income would only be 54k in that scenario

They took it all back off me, I earn't £62k in 22-23 and sent me letter in Oct saying i'd owe repayment. Went through all the self assessment forms and they claimed it all back!

I didn't trust it so called my DH accountant up and got them to double check and all correct.

mummabubs · 14/01/2024 07:48

MiIz · 12/01/2024 17:22

I think it might be right, because for every £100 he earns over £50000 its 1% paid back. So he has earned £12k over that which equals 120% pay back. 120% of £1885 is £2262, which is pretty much what he's been asked to pay. It seems mad to pay back more than what you received though, but maybe this is just what they do to encourage you not to have claimed it while he's on that salary?

This was my thought too, although I thought they only did that up to the value of the child benefit, i.e you'd only ever be asked to repay the £1885, but maybe I'm wrong. We stopped claiming when DH's salary increased to 60k,

Heartbreaktuna · 14/01/2024 10:26

notsure10 · 14/01/2024 07:21

They took it all back off me, I earn't £62k in 22-23 and sent me letter in Oct saying i'd owe repayment. Went through all the self assessment forms and they claimed it all back!

I didn't trust it so called my DH accountant up and got them to double check and all correct.

The 62k must have been your adjusted net income figure for CB then. I am a CA

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