Скачать или смотреть HMRC is Taxing Your Pension Incorrectly! How to Claim Your Refund NOW,

Thousands of UK pensioners are losing £20, £50, even £100 a month — not because they owe it, but because of HMRC tax code errors.
This video explains the three pension tax traps and how to stop them immediately.

If you’re receiving the State Pension, a workplace pension, or more than one income in retirement, you could be paying too much tax without realising.

HMRC uses estimates to set your tax code — and when those estimates are wrong, the money is taken first and sorted out later (if you notice).

In this video, I explain:
• Why pensioners are quietly overtaxed
• How HMRC’s “guesswork system” works
• The three most common pension tax traps
• Why emergency tax codes hit pensioners hardest
• How to check and fix your tax code now — not next year

This is not about avoiding tax.
It’s about not paying more than you legally owe.

👉 If you have a parent, neighbour, or friend living on a modest pension, please share this with them.

The Pension Tax Trap — Quick Help Guide (UK 2025/26)

Why this matters

HMRC estimates pension income unless corrected. Errors often lead to over-taxing, especially where there is:
• More than one pension
• A recent pension start
• A State Pension increase
• Joint savings interest

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Step 1 — Check your tax code

https://www.gov.uk/check-income-tax-c...

📞 HMRC Income Tax: 0300 200 3300

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Step 2 — Update your estimated income

https://www.gov.uk/personal-tax-account

📞 Online services help: 0300 200 3600

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Step 3 — Understand emergency codes

https://www.gov.uk/tax-codes/emergenc...

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Step 4 — State Pension & tax

https://www.gov.uk/income-tax/tax-on-...

📞 Future Pension Centre: 0800 731 0175

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Step 5 — Joint savings (50 / 50 rule)

https://www.gov.uk/apply-tax-free-int...

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Free, independent help

MoneyHelper: https://www.moneyhelper.org.uk
📞 0800 138 7777

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Key figures (2025/26):
• Personal Allowance: £12,570
• Full New State Pension: £11,973

Disclaimer:
General information only. Not personal financial advice. Rules based on 2025/26 UK guidance.


Disclaimer (important but calm):
This video is for UK residents and is for educational purposes only. It does not constitute personalised financial advice. Tax rules can change, and individual circumstances vary.

CHAPTERS / TIMESTAMPS (Highly Recommended)
00:00 The Silent Deduction
00:36 How HMRC “Guesses” Your Tax
02:34 Trap #1: Allowance Allocation Error
03:34 Trap #2: State Pension Inflation Jump
04:20 Trap #3: Emergency Tax Codes
05:10 How to Fix Your Tax Code
07:16 Share This With a Pensioner

• “OVERTAXED IN RETIREMENT?”
• “THE PENSION TAX TRAP”
• “HMRC TOOK TOO MUCH”
• “THIS COSTS PENSIONERS £££”

⚠️ IMPORTANT FOR UK PENSIONERS ⚠️
If your tax code has changed, or you have more than one pension, please check it.
This catches thousands of people every year.

👉 If this helped you, please share it with a parent, neighbour, or friend.
#PensionTax
#HMRC
#UKPension
#RetirementIncome
#Overtaxed
#StatePension
#TaxCode