Please explain like I am a 10 year old.

Sure! Here’s a simpler version of your post:


Hi there! Sorry for the long message, but I need some help.

In April 2024, I got a job offer from a hospital, and I started working in February 2025. Last August, they accidentally paid me too much money—about £2800—because of a mistake. I told them right away, and they said they would fix it.

When I got my first paycheck in February, everything was okay. But in March, they took away £896 from my salary. I talked to the payroll team, and they said they would take more money from my pay over the next few months to get back the total of £4483, which is a lot!

I don’t understand why I have to pay back that much when the mistake only gave me £2800. Shouldn’t they be taking back the extra from the tax, pension, and student loan people instead of from my paycheck?

I hope this makes sense, and I’d really appreciate any advice you have!

Thank you!

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One response

  1. Sure! Let’s break it down into simpler pieces, like a story:

    Imagine you have a piggy bank where you keep your allowance. One day, your mom accidentally gives you extra money—let’s say she thinks you should have $40, but she actually gives you $80. You realize this mistake and tell her about it really quickly because you’re honest. Your mom says it’s okay; they just need to figure out how to get that extra $40 back.

    Now, let’s say your mom decides to take back $8 from each of your next five allowances to make it fair and to get back the extra $40 she gave you. But here’s the twist: instead of taking back the $40, your mom forgot that she had already given you $80, and even after taking the $40, you would still have the extra money you shouldn’t have!

    You’re confused about why you have to give back the extra money from your allowance when you only received that much. You think it would be better if your mom figured it out with the money she used to give you, right? You think she should ask the money from the store where she got it, instead of asking you to pay it back.

    In your situation, you feel like you should only pay back what you were actually given, not the extra taxes and fees that came with it. You’re being fair and honest, and it’s okay to ask questions about it. You’re trying to understand why it works that way, and it makes sense to ask for help to sort it out!

    Does that help?

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