Because HMRC’s systems are basically held together with spit and spreadsheets. They’ve been quietly fixing a backlog of pension overpayment cases since late 2026, and the repayments are finally trickling out. And yes, “trickling” is the right word—some people have been waiting 18 months.
Ironically, the emergency tax mess is worse for people who need the money most: pensioners on modest incomes. If you’re living on state pension plus a small private pension, an extra £300 taken every month can leave you short on heating bills. That’s not just annoying—it’s borderline cruel.
What should you do if you think you’re owed?
Don’t wait for a letter. Log into your HMRC account (yes, even if it takes three attempts and a YouTube tutorial). Check your “Pension Income” section. If you see “underpayment adjustment due”—bingo, that means cash is coming. If it says “overpayment”? Same result, different jargon.
Repaying more than one student loan | Low Incomes Tax Reform Group
Alternatively, ring HMRC’s Pension Helpline at 0300 200 3300. Expect a 20-minute hold while listening to elevator muzak, but the agents are actually helpful once you get through. Say “I think I’m on emergency tax for my pension,” and they’ll run a quick check. Pro tip: call at 8:01 am, not at lunchtime.
