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Gary Millar
how do you change your personal details on HMRC if you can not open gateway account as you can not verify identity
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Contribution on all earnings query
When we set up our auto enrolment 10 years ago, we set it up as salary sacrifice with all earnings and as the minimum contributions went up they ended up at 3% employer and 4% employee and there was a page on the pension regulator site stating this. I went to look the other day as I’d saved it as a favourite and the ‘page…
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Voluntary German pension contributions while living in the UK
Hi! I lived for a while in Germany before moving to the UK and I contributed to the pension system there for 1.5 years. I would like to continue to contribute for an additional 3.5 years so I can fulfil their 5-year criteria to qualify for the pension. Can anyone help me with suggestions or indicate a direction- where I…
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Can an immigrant buy extra NI years to quality for full pension?
I've moved from Ireland to the UK in 2015/16 tax year. So far I've paid 8 NI years (supposedly, tbc, and this year when complete will be 9) and I planned to retire in 18 years. If I follow this plan, I will be short of the ~30ish years needed for the full state pension. I think I only need to buy a couple more years to get…
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Website says "Full Year" but I know I didn't work 52 weeks
I do not understand the "full year" calcs, and am worried that though the HMRC website says "full year" now, when I go to retire they'll do a thorough recalc and I'll come up short. I was fortunate to have good jobs paying above the NI Upper Earnings Limit. I tended to hop about though, and may years there will be 2 months…
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HRP payments
Re Martins letter "HMRC has started writing to 100,000s of people – mostly women – who may be missing out on their full state pension entitlement due to an error in their national insurance records. Specifically, this affects those who took time off work to care for family between 1978 and 2010, as they may be missing…
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Paying my final year of NI contributions.
I am due to receive my state pension from July 2024. I applied just over a week ago and yesterday received the figures which are as expected at the moment. I currently have 46 full years up to April 2023. I need to pay one more year(Year 47) to achieve a full 'new' state pension minus a few pence, as I was contracted out…
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voluntary NI for expat
When I called up today about getting my 18-digit number to pay £840 for a missing year, the person on the phone asked me if I was out of the country that year. When I said yes, she told me that I should call another number and see if I could pay the lesser amount of 163.80 for that year (2014/15). I plan to do that on…
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Understanding 'Full year' N.I. contributions
I know I cannot make any voluntary contributions for years before 2006. But back in year ending 1988, I have a 'full year' with 27 weeks of contributions, but later in 1991, I apparently have 37 weeks of N.I. credits but the Year is not full (doesn't count to pension). Is this correct and why is this? Thanks for any help…
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Top up or get pension credit?
I am about ten years short of contributions to be able to draw a full state pension. Is it worth me borrowing the money to top it up or would pension credit bring me up to a full pension anyway? I'm 65 and self employed and will be 66 in December.
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One more year of NI to pay
This might be a silly question but I'm trying to phone HMRC about plugging the remaining 1 year gap in my NI record as I was contracted out for many years before retiring. As I know the amount I have to pay and already have the 18 digit payment reference from last year when I paid off all the underpaid years except…
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Topping up state pension gap caused by contracting out
Last year I contacted HMRC and got an 18 digit reference number so I could pay for 4 year's contributions. This left me with one more year to pay. Can this number only be obtained by phoning them?
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Understanding contracting out
I’m struggling to understand the impact of having been contracted out from 2010 to April 2016. I’ve checked my NI contribution record and every year from 2010 to 2011 to now is showing as ‘Full year’. Overall I have 7 full years since April 2016, 6 full years before that (when I was contracted out), and 3 full years of…
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Why can't I top up my pension?
Read this useful thread by @blue.peter https://forums.moneysavingexpert.com/discussion/6510290/state-pension-uprating/p1 - we are exactly the same age - 66 in November so realised I might be able to increase my pension However can't see any option to do so ?? I gave up work April 2021 but paid enough NI that month for it…
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Cut in NI, more hours to qualify for SP ?
I had sort of calculated I needed to work about 20 weeks in the new financial year to qualify for my final SP year. Am I interpreting things correctly if I assume the reduction in NI paid in April will mean I will have to assume I need to work more than this or has the qualifying amount needed changed ?
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Buying back NI Contributions
Is it worth buying, back dated NI years if the government is intending to reduce future NI payments or even abolish them altogether? My wife is short approximately 10 years of contributions, which would cost about £8k to buy back, but she still has over 10 years to go before reaching state pension age.
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Universal credit and additional voluntary contributions
Does anyone have any experience of claiming universal credit and paying additional voluntary contributions?
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Paying class 2 contributions but shows as paid tax on overicew
My husband paid ni vol 2 conttibutions for 22/23 in September 2023 He’s checked today and NI contributions 22/23 show as not a full year. when checking tax year overview 22/23 advises paid £163 tax - can’t see where does the voluntributions show other than his tax return. Does the ‘tax paid’ transfer to the NI page when…
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If years are missed as was self employed and low income
How much does one have to pay to credit each year that’s missing please? Thank u got any help😊
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Advice -Confused on topping up Pension, Class 2 or 3? Sole Trader? How many years??
Hi all Can anyone advise on my State Pension and if i am Class 2 or 3? I finished full time employment in 2014 after starting in 1991 (23 years) and NI was paid automatically and showed on my payslip. I have since since had income from rental properties only and was told/informed that i would be a 'Class 3' Sole Trader, i…
