Smb1968

I have paid tax on the avc at source from the provider at circa 30% with 25% tax free. When the balance has been paid HMRC have taxed me again including on the 25% tax free as income. Surely this is not the way the savings is designed. As an example if the lump sum was £10k I have paid £2.1k at source leaving 7.9k and then 20/40% on the balance as income so another £1.5k/3.0k leaving tax paid as either 3.6k or 5.1k and I have not had any tax free. Any suggestions or explanation please?

Can someone please clarify as to why I have to pay tax twice on taking my AVC, once at source from the provider and again as the one off payments are taxed as income