Payroll question - overpayment

[Lotsalotsagiggles]

So my work mistakenly overpaid me for two months and I need to lay it back, which I am fine with of course, these things happen. I've also been able to agree repayment over 6 months as I've just returned from mat leave and have childcare commitments

The problem is the amount. They are enforcing I pay back the amount I've over paid, but I've only actually received a third of that amount due to deductions..

HR keep saying the differences will adjust and I'll get it all back but they can't give me the details

So tax... yes ok, I do assume this will all even out throughout the year

NI - am I right in understanding you don't get refunds for this and it won't adjust, even though Hr are telling me it does ( feel like ok being fobbed off)

Pension - they've overpaid through their error and not my fault and the over payment I can't afford as I have a young child, again, can I ask for this back?

Student loan- again they've over paid and at a time that I couldn't really afford to over pay. I'm under the impression that you're Employer takes deductions monthly but only actually pays them out externally once a year... is this right?

My query is that with the full amount they are asking me to pay back I am still going to be out of pocket... which of course isn't fair

Can anyone help?

You should pay them the amount they have actually paid into your bank account. Amounts they have paid to others are not your concern.

They can reclaim the overpaid tax and NI from HMRC.

For your student loan, if they have not yet made their Full Payment Submission for the current tax year they can simply amend their records. If they have made their FPS the situation is more complicated. It may be that they will have to reclaim the amount from you and you then reclaim it from the Student Loans Company.

You should not end up out of pocket.

They may need to show the reclaimed pay as a gross amount on your payslip, but the amount you actually end up paying back should only be the net figure (ie. what you received after tax, NI, pension deductions had been made)
I'm not quite sure how they will do it as payroll systems vary, but if we had done that then I would deduct a gross amount, this would have an automatic knock on effect on the tax/NI paid (you would pay less for a while) and student loans/ pension deductions. As you have already had the overpayment money in your bank, you shouldn't ulitmately be out of pocket in the end.