Pension Scam drawdown

[Mrs Brown]

4 years ago myself and my husband were introduced to a guy who 'could access money from our pension' - yes I know what you're thinking!! He was IFA registered on his paperwork, all seemed above board, albeit, we trusted too many people and I know what I know now, so please don't refer to why we did what we did- its done!
Anyway we are currently in negotiations with HMRC who want a ton of money from us for the 55% tax we are no having to pay on the 'draw down' . I have 3 years of unused tax allowance where I wasn't working as I was caring for my mother and my grandmother who had dementia. Is it possible that I could use these three years of unused tax allowance to cover the 55% tax on my pension ? If not how long will HMRC generally negotiate payment on this sort of thing? My husband was diagnosed with cancer last year and hasn't worked for 8 months, his prognosis is good, but we are struggling big style! TIA

[LozaACCS]

You cannot carry the unused personal allowance forward.
It would be difficult to advise on the draw down, details would be required of the arrangement, ie was it an annuity, an income draw down or a fixed sum in connection with the commencement of benefits.
The scheme rules are important (particularly regarding your husbands illness) and the dates involved since the legislation has changed frequently.
I would instruct an accountant/adviser who understands pensions,(you should be specific in this) to deal with HMRC on your behalf