I've always paid my tax on the PAYE system. I used to get letters telling me my code was being changed due to an underpayment. (It was never an overpayment). Trying to get them on the phone was a nightmare, and the wait was ridiculous. How the flying can one not have paid enough tax when the silly buggers themselves calculated it and took it out of my pay?

I'm also miffed that they tax my Teacher's Pension when I paid tax on my earnings already all my working life. But luckily they refrain from nibbling at my State Pension.

My poor dear husband even pays a bit of tax on his pitiful minimum wage (at present £7-50 an hour), which just creeps over the Personal Allowance. Next month the minimum wage will go up by 33p - wow!