Did anyone else use pension contributions in 18/19 to offset the loan charge ?

[dammit chloe]

Depends whether this is simply a Time To Pay deal over the 3 years vs being able to declare loan charge amounts as income in each of the 3 years. I suspect the former which means you cannot mitigate further beyond pension contributions made in 18/19.

I believe it is declaring a 1/3rd each year not TTP. Its intent is to prevent lower paid workers being pushed into high tax bracket so easily.

[NeedTheSunshine]

my loans are all old <dec 2010 so loan charge doesnt apply to me at all (afaik)

But if you have open enquiries/discovery assessments pre 2010 then they will be looking to settle those years with their new pre-2010 team. Not sure how that works with pension contributions etc