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Arvy.
Brun
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.