Forgot to add that the gun NEEDS to hit your face before it hits or even really gets close to your shoulder, if it is hanging up on your coat as it comes up to your shoulder it is your technique that is bad and not the gun or the stock or your coat or anything else. Move mount shoot, and make sure that gun hits your face standing straight up with your head up, THEN the gun comes STRAIGHT back into your shoulder and when it hits your shoulder slap the trigger. There is no other way to consistently mount a gun, and if you are doing your part right everything you shoot at will get hit.
Also needed to add that the toe is the part at the bottom when shouldered. Typically when a pad hangs up on the coat a heel is involved but the remedy is the same, shape it and wax it.