Protected: ya1986 Active 6 years ago Topics: 0Replies: 1☆ ProfileForums Topics StartedReplies CreatedEngagements Forum Replies Created Viewing 1 post (of 1 total) Author Posts April 29, 2013 at 1:35 am #123815 ya1986Member Topics: 0Replies: 1☆ Yes .u must use both to increase the band and also u can get tax relief on personal allowance Author Posts Viewing 1 post (of 1 total)