Jeremy Gray

Hi, In error, I made a £60,000 personal contribution to my SIPP (should have been £48,000). The scheme provider will ordinarily reclaim basic rate tax relief of £15,000 which will take me over the £60,000 Annual Allowance. I have no carry forward and am a higher rate tax payer. The scheme provider has refused a refund under the "Refund of excess contributions lump sum" (not sure why, given it will clearly be over) but instead has offered to re-classify the £60,000 as a gross contribution and not claim the basic rate relief. OK - but is that valid and if so, how do I reclaim the correct amount of tax (i.e. 20% basic + 20% additional)? In the SA return there are boxes for when basic relief has been claimed (Box 1 / 1.1) but the boxes for where relief has not been claimed (Box 2 / 3) relate to RAC or employee schemes which this isn't.