The tax world is a confusing place to live but the often misunderstood truth is that the taxman is not your enemy. HMRC will never try to cheat you, and they don’t want a penny more of your money than you owe.

So, why do so many people end up being owed tax refunds that they never claim – or even know about? The honest answer is that most people never realise that they qualify for a tax rebate at all. Many of the people who do know about the rebate rules get put off by the complexity of the process or the threat of penalties and HMRC enquiries. However, armed with the right information and paperwork, there’s no reason why you should ever lose out. To get you pointed in the right direction, here’s a run-down of some of the most frequently asked questions we help people with at RIFT: