This can happen if HMRC doesn't have your latest information to hand. It's worth checking if you are on an emergency code, as this could mean you're paying income tax on your entire earnings, and ...

A basic rate taxpayer missing out on the personal allowance they are entitled to could pay £2,514 a year too much in tax. A P45 is a document that you get when you stop working for an employer.

HMRC explains that UK households can be put on an emergency tax code if their situation changes, such as moving to a new job. If you are on an emergency tax code, you may be missing out on the £12,570 ...