I am writing to you as I saw your column about someone being taxed because HMRC had deducted savings interest from their personal tax allowance.

I was taxed £11.72 on dividend income because HMRC had deducted my savings interest from my personal tax allowance.

If they hadn't deducted it, I would not have had to pay any tax. HMRC is adamant that its calculation is correct, even though my friend, who is an accountant, ran my figures through her firm's software and agreed with me that no tax was due.

In my case, I transferred the maximum possible amount of my personal allowance to my husband, thus reducing my allowance to £11,310.

My savings interest for the year was £624, which is less than the personal savings allowance of £1,000, so no tax is due on my interest.