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Voluntary NI Contributions
At 60 years old now and currently not working I am confused over what to do so I can claim the full state pension when I reach 67. The gov.uk site says my forecast is £202.24 a week, £879.38 a month, £10,552.59 a year, . GapsCost of filling gaps2023 to 2024£767.802022 to 2023£602.302021 to 2022£46.202015 to 2016£824.202014…
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HELP !
I am so so frustrated with the government. According to my records I was missing NI for 2014/2015. I registered a callback as my accountant who I used at the time said I had paid all the necessary NI for that year. They called me and I missed the call but it was very poor quality so couldnt understand the number to call…
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NI top up
Hi, I am more than 12 years before I get the state pension but at the moment I am long term not working due to disability. I have my state pension contributions forecast and it shows I have 34 years contributions. It says however I need 36 years NI but I thought it was only 35 years you neen. Is this due to being…
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I missed my call from the DWP to top up my national insurance
I'm in a panic because I requested a call back so I could top up my National Insurance contributions, & I only just got the text dated May 1 saying I'd get a call from them on May 2nd, but I had no idea of the text or call & missed both. Am I now doomed to having a state pension of £139.00 a week because I missed my…
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NI Contribution Callback - Strange Response
My wife had an NI callback a few weeks ago. She first received a text message letting her know to expect the call. However, when the call came the operator said that it was a "customer service" call. All she did was confirm the name, DOB and NI number, then said that there would be another call to address the issue at some…
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What a state HMRC is in
Due to ill health I haven't been able to work to full capacity for around 8 years. I've been claiming WTC for most of that time, being migrated to UC last year. My Ni record hasn't been updated for 10 years since 2015-16. Each year states that the year isn't full, blah blah, so none of those years have been credited to my…
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DWP phone call about voluntary contributions
I took Martins advice a while back and signed up to be called up by the DWP about any missed NI contributions I might be allowed to settle before they stopped offering the option. I got this text last night about it, but a lady from the DWP called at around 12.30 today and asked if its convenient for me to speak and I said…
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National insurance gap costs
Hi, I am told I have gaps in my NI record resulting in a shortfall of my forecast state pension. In being invited to fill these gaps by purchasing full years at approximately £940 a year I’m confused at how I can currently work part time and last year contribute £247 but still be awarded a full year. Can anyone shed light…
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Left on hold
I am in receipt of ESA. Monthly payments which I have received from my occupational pension have increased as they do every year. Usually I receive a stern (sometimes threatening) letter from DWP advising me that they know that my pension has increased and that I should inform them when it increases. I only discovered that…
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Is the cost of filling Class 3 NI gaps voluntarily expected to rise on 6 April 2025?
Apologies if it's a stupid question or has been asked and answered before. I wonder if the cost of filling a standard voluntary Class 3 NI gap is expected to increase with the new tax year? I'm currently (22 March 2025) looking at £800.80 to fill the full year 2021-2022. I know I technically have until 5 April 2028…
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About the Payment date without penalty (31 days)
Hi everyone. I am waiting for the post from HMRC to Colombia. I am worried the letter will come with the deadline "Payment date without penalty - within 31 days of the date of this letter" - and the post takes more than two weeks sometimes to come from the UK. Has anyone applying to make this voluntary NIC's shortfall…
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Am I missing something ...
** Also posted on the Credit Cards Board to (hopefully) cover all the bases ... I have 2 credit cards - one with £2700 of debt and the other with £3750 (credit limit £4000, interest rate 18.5%). The £2700 is a long standing debt and has just become a no interest no fee account as long as I meet minimum repayments they have…
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National Insurance Contribution top up query
I have a gap in my NI contributions from 2009/2010. I am 41. I can make this payment online today. However, it asks me the following and I wonder if there is any catch in my response. I don't know when I intend to stop paying NI contributions now as that depends on when I stop working really but it will either be when I…
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VOLUNTARILY PAID MISSING YEARS NI BUT ONLINE ACCOUNT NOT UPDATED?
I'm 61, left school in 1980 and worked until having a child in 2000. Have not been in paid employment since, as I have declining health. (No, I have not been on benefits, we manage on my husbands income). Anyway, on 6 March I voluntarily paid, via my online HMRC account over £4500 to cover several years NI contributions…
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Topping up UK pension as a Spanish resident
I have been living in Lanzarote since 2016 I have only 5.5 years on my Spanish pension I believe to get a Spanish pension I need at least 18 I am 54 years old and do not think I will manage 18years of contributions here on Spain. I have 21 years in UK pension and have currently got 145£ a week. As I am a Spanish resident…
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Is it worth paying for one year ni contributions
My state pension forcast and my estimate are showing a £4.53 a week shortfall.if I pay a one off contribution of £907.40 then I will receive the full forcast amount of £230.25.Thoughts please
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Registering for a callback from the Future Pension Centre
I registered online for a callback from the Future Pension Centre as I couldn't get through on the phone, kept being cut off etc. I wanted to speak with them as I'll probably miss their call (if they do meet the 8 week call back time frame) as I'll be abroad (non EU) in a different timezone when I travel in a few weeks. I…
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Class 2 or 3 after working in the USA
Hello all: I am past retirement age, but still working. I have three full years of NI paid, and have put in my request prior to April 5th to buy back years, so waiting to hear. My question. Most of my working life was spent in the USA where I paid into social security every year and have the record to prove it. I returned…
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7 years short on State Pension. Can't see how to pay top up
According to my statement I have 7 years where it says they are not full. If I click on each year it says: "We are checking this year to see if it counts towards your pension. We’ll update your record when this is finished, you do not need to do anything". It's said this for a few months and not changed. The years are 2015…
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NI Top Up Deadline Extended To 5th April 2025
Worthy of a post of its own. Cut off date extended to 5 April 25 and prices held at 2022-23 rates until then. https://www.gov.uk/government/news/deadline-for-voluntary-national-insurance-contributions-extended-to-april-2025
