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R40 question

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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?

Comments

  • jimmo
    jimmo Posts: 2,287 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Make the claim by letter.
    You don’t need a certificate to make the claim but, in theory at least, supplementary claims are subject to greater scrutiny than originals. Probably a good idea to obtain a certificate just in case.
    http://www.hmrc.gov.uk/manuals/sacmanual/SACM3040.htm
  • jennifernil
    jennifernil Posts: 5,710 Forumite
    Part of the Furniture 1,000 Posts
    edited 16 October 2014 at 11:37PM
    jimmo wrote: »
    Make the claim by letter.
    You don’t need a certificate to make the claim but, in theory at least, supplementary claims are subject to greater scrutiny than originals. Probably a good idea to obtain a certificate just in case.
    http://www.hmrc.gov.uk/manuals/sacmanual/SACM3040.htm


    Thanks Jimmo, will ring FD tomorrow and request certificate. I haven't submitted 13/14 yet, so will compose a letter and send it in the same envelope.

    However, I may be more than 12 months down the line from my original R40, as I am usually quite quick at submitting it.


    Really annoyed with myself that I fluffed this, but the FD system is really "clunky", as my very IT savvy daughter would say!

    Must make a note somewhere to remind me about the interest for 13/14.

    And must register my 14/15 saver for gross interest. Goodness knows why they need to make it so difficult to register.

    Just about to send in that CGT thing on those Norwegian shares for OH, info we were told others in Norway had was eventually found to be useless as far as we are concerned, so I hope we are not going to have problems!
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