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This might be useful to work out the numbers - https://www.pensionbee.com/uk/pension-tax-relief-calculator
Are you calculating what you think you are owed on both workplace and personal contributions?
Workplace contributions could be 'salary sacrifice' or 'net pay' so would not get any relief (but you wouldn't have paid tax on them). So you might only be due the 'extra' 20% back on your personal contributions.Salary Sacrifice; money removed from your wage before the income tax and national insurance calculations (you keep the NI.)
Net-Pay; money removed from your wage before the income tax, but after the national insurance calculations (you lose the NI.)
Relief-at-source; money removed from your wage after both income tax and national insurance calculations. You get/claim the income tax back afterwards (you lose the NI.)
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cjr
Thanks, think I've got it figured out.
My total contributions (personal contributions into workplace pension, plus private pension) are far less than the amount I'm paying 40% tax on. I'm pretty certain that means I should be getting the full extra 20% back.
Still feels like I'm gonna need professional help to confirm it and convince HMRC they've made a mistake tho', which is pretty annoying.