I am due to start a deferred pension next month. I have not worked for some years. I contacted the Revenue Commissioners for an updated certificate of tax credits. This arrived showing "nil" tax credits. Is this normal. Should I have not been allocated the basic credits that everyone receives? I am due to receive a tax free lump sum from my pension. Is this normally paid by my pension provider "tax free" or will it be subject to emergency tax that I will have to claim back?