Tax can be confusing but the often misunderstood truth is 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. Armed with the right information and paperwork, there’s no reason why you should ever lose out.