<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  <url>
    <loc>https://workterms.co.uk/news/the-dwp-letters-went-out-in-june-bank-deductions-start-in-october</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-21T04:53:17+01:00</news:publication_date>
      <news:title>The DWP letters went out in June. Bank deductions start in October.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/the-pension-tax-letter-arrives-6-october-sign-up-with-hmrc-by-the-5th</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-21T05:22:26+01:00</news:publication_date>
      <news:title>The pension tax letter is due 6 October. Register with HMRC by the 5th.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/one-department-moved-42-contractors-inside-ir35-in-a-single-year</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T06:31:29+01:00</news:publication_date>
      <news:title>One department changed 42 IR35 decisions in a single year</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/your-pension-unlocks-at-57-from-april-2028-some-people-keep-55</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-20T06:29:54+01:00</news:publication_date>
      <news:title>Your pension unlocks at 57 from April 2028. Some people keep 55.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/bank-holds-at-3-75-it-expects-the-energy-cap-to-rise-again-in-2027</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T05:39:33+01:00</news:publication_date>
      <news:title>Bank holds at 3.75%. It expects the energy cap to rise again in 2027.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/hmrc-will-refund-3-2-million-pensioners-the-average-is-6</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T05:39:01+01:00</news:publication_date>
      <news:title>HMRC will refund 3.2 million pensioners. The average is £6.</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://workterms.co.uk/news/the-lifetime-isa-charge-is-25-it-costs-you-6-25-of-your-own-money</loc>
    <news:news>
      <news:publication>
        <news:name>Work Terms</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-09-19T05:46:10+01:00</news:publication_date>
      <news:title>The Lifetime ISA charge is 25%. It costs you 6.25% of your own money.</news:title>
    </news:news>
  </url>
</urlset>
