Your MPG does seem low. I wouldn’t be expecting 40 MPG but I’d hope for around 30.
But…..you’re driving in central London so will be mainly start/stop driving at an average of only around 12 - 15 MPH. It’s winter so you’ll be using fuel to run a lot of electrical items, heater, lights, wipers etc.
Accurately check your MPG by filling the tank to the brim, driving for 25 - 30 miles, refilling to the brim & dividing the miles driven by the fuel used. (Example: miles driven = 30, fuel used = 7.6 litres = 3.9473 miles per litre x 4.5461 to give an MPG of 17.9447).
If the above confirms your MPG at around 20 then take the car somewhere less urban & see what MPG you get.