Tax...

[19KBT91]

Hello, I'm very new here and I'm panic writing so forgive me if this doesnt come across as straight as I mean it too.

I have just recieved a pay slip (through the post) with a 422T 0 tax code.. apparently this means I do not get the £12,500 personal allowance that is common for people in my position.
I work in the care sector as a bank worker (it would be easier to Google what it means)
I plan to call them in the morning but I've just opened this letter and thanks to being a massive over thinker I need to understand this sooner rather than later.

From what I can make out it's either a wrong tax code or being a bank worker they cant tell what my annual income will be so they tax it all and send me a cheque at the start of the new tax year?! But that can't be right surely?! I receive universal credit but surely they cant reduce payments on that then tax £800 or so a month?! (My income is often around £600-£800)

Sorry again and thank you if you understand this lol!!!
🖤

I'd contact your tax office, they can help. I found them very informative and user friendly when I rang them recently.

Did you phone your tax office today, 19K? I think Inland Revenue phone lines are open until at least 8pm, actually.

They probably think you have more than one employment and have split your tax free amount between two jobs.

You’ve been given no personal allowance. This happens when you don’t provide your employer with a P45 or enough details for them to work out your tax code, or when your personal allowance has been used up by previous income.

BumblebeeBum no, there is an allowance given of £4225 hence the tax code.