Dogie - thank you for your input. I won't, for the moment, take advantage of your kind offer but greatly appreciate it.
My problem is that I have never understood tax/financial affairs and while I can cope with the on-line self assessment process, I have NEVER (in spite of being reasonably numerate) managed to produce the same results as HMRC. Their wooden balls/abacus probably operates with different software
My last S/A generated THREE responses from different areas of the HMRC empire all giving different tax codes and assessments and a final one saying that I didn't need to do a S/A in future
I think that, perhaps, my first port of call should be the local Tax Office and see if I/they can make sense of what is happening. Unfortunately my head starts to hurt at the thought
If I manage to brace myself sufficiently for the fray, I shall report back
