We have solved the problem by going on the computer instead of using the mobile. The computer allowed us to change the reference number of the existing payee, whereas the phone didn't seem to give us that option.
If anyone knows of a solution to this that would allow us to make future payments via the mobile, we would love to know 
DH does this for me because he's the one that is signed up for online banking. However, he's even less confident than I am about this type of thing!
Every time we do this, we run into the same problem - as soon as we start, the computer correctly comes up with HMRC as a payee that we have already set up, but we can't just click on that to make the payment because the reference number never matches - every bill I get has a different reference number, and it says on my bill that if I use the wrong reference number, payment might be delayed!
Do we need to start from scratch every time, setting up HMRC as payee again just so that we can use the latest reference number, or are we overlooking something more simple?
Perhaps I should mention that DH now has a smartphone and an app on it for mobile banking, so that is how we are trying pay this time, but the problem is more or less the same as it would be via the computer.
Can anyone help? 
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