HMRC Writes to Young People About Unclaimed Savings

Apr 24, 2026, 11:02

Introduction

The UK tax office, HMRC, is writing to all 21-year-olds. These young people have savings they did not take. The savings are about £2,200 each. There is £1.5 billion in total.

Main Body

Child Trust Funds are savings accounts for children born between 2002 and 2011. The government put £250 in each account. Some children from poor families got more money. At age 16, you can control the account. At 18, you can take the money. Many people did not take their money. HMRC will write to them. A charity called The Share Foundation helps people find their money. They want the government to give the money automatically. Some people lost their records. HMRC says do not pay a company to find your money. Use the free tool on Gov.uk.

Conclusion

The government is writing letters now. But the charity wants automatic payments. Many people still have not claimed their money.

Vocabulary Learning

free
Costing no money.不需要花錢的。
Example:The tool is free to use.
money
Coins or notes used to buy things.用來買東西的硬幣或紙幣。
Example:I need money to buy food.
savings
Money you keep for later use.你留待日後使用的金錢。
Example:I have savings in the bank.
take
To get something and hold it.拿取某物並握住它。
Example:Please take your book.
write
To put words on paper or send a message.寫字或發送訊息。
Example:The teacher writes on the board.

Sentence Learning

The UK tax office, HMRC, is writing to all 21-year-olds.
This sentence uses the present continuous tense 'is writing' to describe an action happening now. The subject is 'The UK tax office'.本句使用現在進行式 'is writing' 描述正在發生的動作。主語是 'The UK tax office'。
These young people have savings they did not take.
This sentence has a relative clause 'they did not take' describing the savings. 'Did not' is the past simple negative.本句包含關係從句 'they did not take' 修飾 savings。'Did not' 是過去式否定形式。
Child Trust Funds are savings accounts for children born between 2002 and 2011.
This sentence uses the simple present tense 'are' to give a fact. 'For children born between 2002 and 2011' is a prepositional phrase.本句使用現在簡單式 'are' 陳述事實。'For children born between 2002 and 2011' 是介詞短語。
At age 16, you can control the account.
This sentence uses the modal verb 'can' to show ability. 'At age 16' is a time phrase.本句使用情態動詞 'can' 表示能力。'At age 16' 是時間短語。
Use the free tool on Gov.uk.
This sentence is an imperative (command). It tells you to do something. 'Use' is the base verb.本句是祈使句（命令句），指示你做某事。'Use' 是動詞原形。