What is HMRC (Her Majesty’s Revenue & Customs)?

The HMRC, or Her Majesty’s Revenue & Customs, is the United Kingdom’s tax authority responsible for collecting taxes, enforcing tax laws, and managing a variety of public funds. Established in 2005 following the merger of the Inland Revenue and HM Customs and Excise, HMRC oversees income tax, corporate tax, value-added tax (VAT), and customs duties. Beyond tax collection, the organization plays a pivotal role in ensuring compliance, administering benefits such as tax credits and Child Benefit, and combating tax evasion and fraud to safeguard the UK’s economic integrity.

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Outdated HMRC Systems Cause for Pension Tax Refunds

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HMRC systems are outdated and not well suited to the flexi-access pension's world we currently live in. This means, most people don’t get to spend the cash they’re entitled to. 
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HMRC has been using the tagline, “Tax doesn’t have to be taxing” for a while now – but did they take into consideration the tax on pensions when they made that statement?
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