Just had a letter from AFPAA wanting to know details about how I spent my lump sum! I know the rules changed, but we were led to believe that the only impact it would have was on 2* and upwards officers - it now appears that HMRC want to know if I have reinvested it in another pension or savings scheme, and if I have, they want 40% back, despite my pension being worth only 14% of my lifetime allowance! Since when should we have to justify what we spend our money on once we have earned it? Naturally, I didn't recycle my money, unless you count a conservatory, car, etc.... Anybody else had one of these "sign here" letters yet?