On the agreement ....you have covered signatures.....is it your name typed in ? What date is against your name ? 09/08/2013 ?
The application was made on line and yet there is no IP validation box.
I dont suppose you have or could get access to your bank statements from this period to see if £225.00 was deposited into your account ?
Point 11 of the T/Cs below state they will take payment using your debit card...did Payday Express not contact you as to why no payment was made or your Bank to inform you they were trying to collect ?
State pension is treated the same for tax as any other pension which you receive, in so far as it is taxable income.
The only difference is it's not subject to any PAYE or "at source" tax deduction using a tax code. Such tax codes operate against other ex-employer pensions and your state pension is usually deducted from your income tax pesonal allowance.
Further to the advice from Honeybee, this may be more focused advice about gifts out of income - https://www.gov.uk/inheritance-tax/gifts
Have a look at this which gives good guidance.
If you have further Q's, let us know.
If you want tax planning advice beyond the HMRC guidance, you need to speak to aN IHT tax planning accountant or solicitor.
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