3 option's. Which is the most attractive?

xylophone

Do keep in touch with the forum and let us know how it all works out.

oysterman

xylophone said:

Do keep in touch with the forum and let us know how it all works out.

Will do, thank you.

oysterman

Good afternoon xylophone & a merry Christmas to you. https://www.tax.service.gov.uk/shortforms/form/DPU_SAR_NI?_ga=2.230026460.1544670040.1621021753-1315656139.1609178084

I've just received a reply to my request. All i got back was a few pages of my NI contributions. Is that what you expected to come back & what am i looking for? Regards Doug

xylophone

I've just received a reply to my request. All i got back was a few pages of my NI contributions.

Did you see this thread?

https://forums.moneysavingexpert.com/discussion/6267734/is-there-a-really-detailed-online-method-to-check-nics/p1

https://forums.moneysavingexpert.com/discussion/comment/78377177/#Comment_78377177

What makes really interesting reading is the Scheme Membership section at the back of the pack. There's a complete history of all the pension schemes to which I've belonged/contributed - including their reference numbers. Anyone trying to track down one of the many rebate-only Appropriate Personal Pensions***  available from 1988 on would do well to apply for their NI breakdown covering the years when they think they might have taken out such a policy and look for what I hope will prove to be the magic words: 

Some notes on GMP

https://techzone.abrdn.com/public/pensions/Tech-guide-guaranteed-min-pen#:~:text=Guaranteed minimum pension, commonly known,1978 and 5 April 1997.

oysterman

Read all the links & nothing in my paperwork about pension schemes/contributions etc. 

List of years, employer's, earnings & NI paid, nothing else.

Any ideas why i didn't get anymore information, reading some post's people got 100+ pages?

xylophone

Any ideas why i didn't get anymore information, reading some post's people got 100+ pages?

No idea at all - it does seem very strange that the information other posters received has not been provided to you.

Looking at the form

https://www.tax.service.gov.uk/shortforms/form/DPU_SAR_NI?_ga=2.230026460.1544670040.1621021753-1315656139.1609178084

did you insert dates from the beginning of your working life up to the present?

xylophone

nothing in my paperwork about pension schemes/contributions etc. 

What makes this even odder is that you appear to have a complex pension history.

https://forums.moneysavingexpert.com/discussion/comment/71650052#Comment_71650052

I have 4 paid up pension's from previous employers & am wondering what to do with them. I'm 54 & am looking at tidying up some of my finances.

1. Legal & general, aprrox value 21/11 £35,600.00 invested 100% in Glb EQ MW 30.70 index (pmc)3. annual fund charge 0.14%

2.Aegon, approx value £19000.00 21/11 invested in UK Fix int 1.00%(A)=20%. Property 1.00%(A)=20% Univ Bal Col 1.00%(A)=60%. Annual charge 1%

3. Coop/Royal london AVC, aprrox value £6000.00

4. Coop/royal London pension approx value £33,300.00
No idea at mo where these are invested or annual charge.

https://forums.moneysavingexpert.com/discussion/comment/71650052/#Comment_71650052

An IFA has suggested to put as much of my wages into my work pension scheme through salary sacrifice. My basic pay is £26,846,20 & i pay in 12% at the moment through salary sacrifice. Company pays 5% & pension contributions are on basic only.
My latest pension is with scottish widows 

oysterman

Definitely filled in the date's correctly. The paperwork i received had earnings & NI going back to when i started my first job.
                Any idea what my next move is? Contact them directly in the new year?

xylophone

               Any idea what my next move is? Contact them directly in the new year?

This seems a good idea - ask for the specific information required which is

a complete history of all the pension schemes to which you have belonged/contributed

(see https://forums.moneysavingexpert.com/discussion/comment/78377177/#Comment_78377177).

In particular, you might ask whether you are recorded as having a GMP.

oysterman

xylophone said:

               Any idea what my next move is? Contact them directly in the new year?

This seems a good idea - ask for the specific information required which is

a complete history of all the pension schemes to which you have belonged/contributed

(see https://forums.moneysavingexpert.com/discussion/comment/78377177/#Comment_78377177).

In particular, you might ask whether you are recorded as having a GMP.

Just spoke to HRMC & that didn't go well.
        According to the woman i spoke to, they don't have any information about pension schemes i belonged/contributed to on their system. 
               She had to ask someone else thou.