I left at the 38/16 point, then had a second career in the aircraft industry. I live in Lanzarote and with the dual taxation agreement, my service pension is taxed by HMRC in UK and my private pension by the Hacienda in Spain. I (legally and correctly) get my UK and Spanish personal tax allowance. Both pensions are paid into a UK Bank, and I use a Forex company to transfer money as and when I need it.