As a non-taxpayer, I try to register all my bank accounts for gross interest, but occasionally one slips through the net, and there are some which cannot be registered (Halifax Rewards).
Most can be registered by phone, but a few, in this case First Direct, require you to download a form, fill it in and post it to them.
I have just opened a FD monthly saver and coincidentally am in the process of filling in my R40 for 13/14. When my previous FD saver matured a few days back, I realised I had not registered it so was asking FD about a Tax Certificate, but apparently they only send them out after the end of the tax year, and then only if you remember to request one.
This started me thinking about a previous saver I had with them that matured in November 2012, and on checking, I have discovered that the interest on it also had tax deducted.
I have already reclaimed all the other tax for 12/13, so can I still go back and reclaim this tax? It's about £25, but better in my pocket etc , etc....
If so, do I do a second R40, or just write a letter? And should I request a Tax Certificate from FD first?
Most can be registered by phone, but a few, in this case First Direct, require you to download a form, fill it in and post it to them.
I have just opened a FD monthly saver and coincidentally am in the process of filling in my R40 for 13/14. When my previous FD saver matured a few days back, I realised I had not registered it so was asking FD about a Tax Certificate, but apparently they only send them out after the end of the tax year, and then only if you remember to request one.
This started me thinking about a previous saver I had with them that matured in November 2012, and on checking, I have discovered that the interest on it also had tax deducted.
I have already reclaimed all the other tax for 12/13, so can I still go back and reclaim this tax? It's about £25, but better in my pocket etc , etc....
If so, do I do a second R40, or just write a letter? And should I request a Tax Certificate from FD first?