Wealth Questions (April 26/27) notes how the retention of the 10 per cent income tax band for savings interest at the same time as its scrapping for most individuals is anything but “tax simplification”. In my case, with a total income of £16,000, I now appear to face having to submit a tax return for the first time to benefit from the 10 per cent rate. I am 68, so qualify for the higher age-related personal allowance of £9,030. My “earned” income from pension and part-time salary will be £9,500; I expect bank and building society interest to amount to another £6,500. Based on the 20 per cent withholding tax on savings interest, I estimate that I will overpay about £200 of tax on this part of my income – so requiring me to claim it back through a tax return. Please confirm my tax situation and whether I could instead get my tax coding amended for the right overall amount of tax.