A personal finance column explains how UK taxpayers can claim back unclaimed tax refunds and reliefs from HMRC, including Gift Aid, pension tax relief and the marriage allowance.

Money columnist Rachel Rickard Straus urges taxpayers to claim unclaimed refunds and reliefs as frozen income tax thresholds since 2021, set to last until at least 2031, would otherwise let them earn £4,900 more tax-free and £20,100 more before the 40 per cent rate, noting she recovered a few-hundred-pound Gift Aid refund by phone, £1 billion-plus in pension tax relief goes unclaimed yearly by around 800,000 people, and over two million couples miss the marriage allowance worth up to £252.