bronzart2

i have a pension with scotish widows and last year took my 25% tax free amount. i left my job in november last year and my total earnings from that employment were 10k. as a year had passed since i took my 25% tax free amount i asumed i would be able to take another drawdown from my pension that was under the personal allowance of 12.5k per annum without it being taxed! how wrong i was they took 4k from me in tax...?? have i misunderstood the way personal allowance is calculated? what is going on...i'll be calling scotish widows tomorrow to get to the bottom of this fiasco you can bet...even when i was earning my full sallery of 14k i didnt get taxed 4k from it so what the .....is going on? any ideas?