Next year two things will happen that will be of particular interest to low earners who cannot afford advisers and could do with any money that can come their way.

The pension dashboard will launch, allowing people to trace money they may have lost track of in “yesterday’s pensions” and they may be receiving a letter from HMRC advising them of money that is due them because they overpaid into pensions for what got paid in.

We know about the pension dashboard and we may have heard about the “net pay” scandal which has meant that since 2014 people who aren’t taxed but pay into net pay pensions get no tax incentive. If they had paid into a relief at source pension (like Nest) they would have got a 20% tax incentive – known as RAS. People who didn’t get RAS will get money back as tax-free cash from HMRC from what they hope is the summer, next year.

Pretty soon afterwards, they should be able to get to their pensions by using an app called Pension Dashboard, run by the Government through MaPS.

Here is my simple idea for the Pension Dashboard and for Richard and other good guys to pursue. I would like to see the amounts advertised by letter, appear on the pension dashboard to those due money.

This money is only paid when people apply for it and though there will be a grace period (we think four years), it can be lost. Like Pension Credit it can go unclaimed.

While the Pension Dashboard cannot do everything, it will cover all pots that are eligible for net pay refunds and HMRC and MaPS are closely related. I suggest  that at the very least , the Pension Dashboard advertise when savers are checking out pots that have been analysed and found to be short-changing savers with incentives, a notice that money is due. A proper service would be to advertise on the dashboard the amount available.

I made this suggestion on Monday of the Net Pay Action Group who met with HMRC to help get the letters that go out from HMRC.  There was a discussion of how to make the news easy to follow and not to confuse it with scamming. The Pension Dashboard will be easy to use and not be scam able – I believe that. Why then not make it a source of information to people who the summer before the pension dashboard goes live have been told they have money owing them?

I am pleased to see Richard has been at the Pension Regulator looking at what can be done, can he put this on the list and I will act as an introducer to HMRC people in Croydon.