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If You Have Registered For A Call Back Look Here
There are a couple of messages showing in on line tax accounts and
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MSE guide: How much state pension will I get?
Some common questions about your state pension forecast are covered in our guide, such as: * What are qualifying NI years and how many do you have? * Why you might get less state pension than you thought * How much state pension will I get? * How can I boost my state pension?
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Guide discussion: Voluntary national insurance contributions
This is the place to discuss our new guide on voluntary national insurance contributions. We'd love to hear your thoughts, personal experiences, and general feedback. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.'
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Voluntary NI Contributions – What to Expect After Requesting a Callback
This is just a quick update for anyone who registered for a callback from HMRC regarding voluntary National Insurance contributions after the deadline. I spoke to Inland Revenue, and they confirmed the process: * They will attempt to call you three times. So don’t panic if you miss the first call. * Once they reach you,…
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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
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Time from payment to account being credited
Just in case this is helpful to anyone......but I appreciate I am a straight forward case I am due to get my state pension in January. I was 2 years short on my NI contributions and the only years missing for me were 2022/23 and 2023/24. I was able to go through the whole payment process online and I was given the choice…
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Paul Lewis on Topping up your pension
Quite a good explanation from Paul Lewis here on why you may need more than 35 years to get a full state pension I don’t get full state pension though I paid in 46 years of NI – why? Paul Lewis replies
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CF83 for expats now on line
https://www.gov.uk/guidance/apply-to-pay-voluntary-national-insurance-contributions-when-abroad-cf83#ways-to-apply I lived in Australia from 1997 to 2017 but am now back in the UK. Phoned the pensions forecast service and was told for the years overseas I needed to fill in a CF83 Completed the postal version in March 2023.…
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Don't Lose Hope
I got my initial call from DWP on 17 April and was told I'd be hearing from "the experts" in the next "one to two weeks". Today (16 July) a letter arrived dated 11 July with details about the amount and process for topping up my State Pension. It's a bit outside the "one to two weeks" window, but at least I now have it.…
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Worth buying missing NI years to boost state pension if Labour are going to means test it?
Hello All, I've read online that the new government may well look into means testing the state pension. Obviously I don't believe everything I read online but as my husband was about to buy some of his missing national insurance years at a cost of several thousand pounds to boost his state pension, as recommended by…
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The utter disgrace and scandal of DWP and the near-impossibility of getting advice on topping up
I have today, after must time-wasting – endless calls with multiple
choice dial-ins all of which warned that the high volume of calls might result
in my being cut off before I was answered – paid £650 to top up four missing
years of my State Pension, which I will be claiming from September when I turn
66. Whatever number I…
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Still waiting for a callback to pay voluntary NIC?
Hello, I’m just wondering if anyone else is still waiting for a
callback to pay voluntary National Insurance contributions? I applied back in
March 2025 and got a message to say I was on the list and to await a callback,
but still haven’t heard anything. The website still says “If you used the call back request
form to pay…
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HMRC letter says I tried to pay Class 3 (voluntary) contributions - I DIDN'T!
Received a letter from HMRC dated 04/07/25 saying "Our records show you recently tried to pay Class 3 (voluntary) NI contributions for the tax years 2006-2021. You couldn't make these payments because of a service problem we had on 5 April 2025." Whilst I may well have been looking at my NI/Tax accounts online at some…
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Past State Pension age but still hoping to top-up? What do the delays cost you that you didn't plan?
If you are past State Pension age (SPa) and still planning to pay VC's, these questions may be for you, and indeed for case-handlers who might well be confused about how to calculate the right numbers for your case. When you finally get to pay VC's what will be the effective dates of increases to your main pension and if…
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Is it worth topping up NI contributions for my wife?
I checked my wife's SP forecast and it says her forecast is £230.25 a week, £1,001.18 a month and £12,014.12 a year. However, it further goes on to say that she needs to continue to contribute NI to reach her forecast: "Estimate based on your NI record up to 5 April 2024 : £229.13 a week" "Forecast if you contribute…
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Can I claim extra state pension?
This discussion was created from comments split from: National Insurance Contributions.
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State Pension Top-Up Contributions. What if the SP becomes means tested?
Martin has previously recommended topping up missing years to the get the maximum new state pension, which I am due in a couple of years. Having previously not paid the full NIC's I require to pay a couple of voluntary contributions to take my pension to the max. My crystal ball exam questions is: if they future means test…
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Is it advisable to pay NI contributions for pension shortfall in instalments?
As explained in my previous thread "Would you pay £800 to get an extra year to make up for State Pension?", one of my shortfall years requires that I pay exactly £775.65. Although I do have the money, I also would like to pay in instalments if possible. And here comes the confusion. I asked the operator on the HMRC…
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Warning about Missing National Insurance Credits
There is a known issue with missing National Insurance credits for people who were migrated from Incapacity benefit to Contribution based ESA. My NI record was missing 10 yrs which has obviously affected my Pension forecast. GOV. UK website says they are awarded automatically but when the mass migration happened in 2013 a…
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Boosting your state pension should now be quicker and easier as new online tool launches
A new online service designed to simplify how you check and pay for voluntary national insurance (NI) contributions is now available. It should make the state pension boosting process quicker and easier for most people – though some will still need to call the Government helplines. Boosting your state pension should now be…
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Article - We wasted thousands on state pension top ups
This just popped up on my MSN feed from ThisIsMoney. I haven't had a chance to look at it fully yet but at a quick glance it looks an interesting read https://www.thisismoney.co.uk/money/pensions/article-13350453/Savers-waste-state-pension-ups-WRONG-advice-DWP-HMRC.html
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Topping up: Do you *really* need to "phone the Pension Service"?
I cannot work out if this is something that is a legal requirement or is just a pointless "nannying" exercise, especially because HMRC seems to send out generic replies to letters (while addressing them to the recipient personally). At the moment I have only 6 full years of contributions, as have been living abroad. I have…
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Class 2 NI contributions
I am no more than 4 years away from state pension age. At the moment I am 1 year short on a full pension. I have no grand children to look after so I can’t use that method to boost the pension to the max. I have no real desire to go back to work but I just wondered why others including me can’t take this approach... 1.…
