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Can't get into telephone queue for the Future Pension Centre

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  • molerat
    molerat Posts: 34,601 Forumite
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    I'm having same trouble. My pension is due end of July and I have a couple of years to fill. The government gateway says this should be paid before 6th April. At this rate, I'll still be trying to get through by then !!!
    I know the years in question and the exact amount to pay.
    I'm tempted just to send them a cheque in the post, with all the details, and hope for the best.
    If you are absolutely certain those years will add to your pension - not all available years will - then just phone up HMRC and get a code.  If they ask if you have spoken to FPC ............. :)

  • Robbo11
    Robbo11 Posts: 5 Forumite
    Seventh Anniversary First Post Combo Breaker
    It's a good job the government have extended the deadline to pay from April to the end of July now.  
  • Pingu510
    Pingu510 Posts: 5 Forumite
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    I’ve tried so many times to get thru. 
    I’ve sent letters. 
    No reply or phone answered. Cut off. 
    So frustrating !!!!
  • p00hsticks
    p00hsticks Posts: 14,444 Forumite
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    edited 18 March 2023 at 5:55PM
    Pingu510 said:
    I’ve tried so many times to get thru. 
    I’ve sent letters. 
    No reply or phone answered. Cut off. 
    So frustrating !!!!
    What are you actually asking in the letters ?
    Do you have an Government Gateway account to get an online State Pension forecast ? 
    If so and you post up the details here others may be able to help 


    Check your State Pension forecast - GOV.UK (www.gov.uk)
    • Maximum amount of forecast
    • Current amount up to April 2022
    • Years you have available going forward until you reach State Pension Age
    • Number of full years prior to April 2016
    • Number of full years after April 2016
    • Years which are not filled
    • Whether there is a COPE mentioned and if so what the amount is (this will show by clicking a link there is a statement along the lines of ' like many, you have been contracted out.....'.)
    If we manage to convince you as to the best option, then you can then simply write a letter to HMRC and send it with a cheque for whichever years you decide to purchase. 
    Pay voluntary Class 3 National Insurance: By cheque through the post - GOV.UK (www.gov.uk)
  • Scot_39
    Scot_39 Posts: 3,526 Forumite
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    edited 18 March 2023 at 5:57PM
    Pingu510 said:
    I’ve tried so many times to get thru. 
    I’ve sent letters. 
    No reply or phone answered. Cut off. 
    So frustrating !!!!
    A recent statement for dvla - 94% calls were being cut off or unanswered.

    That might have been post Covid back log.

    But shows cannot rely on these agencies - certainly not in a rush.
  • Scot_39 said:
    Pingu510 said:
    I’ve tried so many times to get thru. 
    I’ve sent letters. 
    No reply or phone answered. Cut off. 
    So frustrating !!!!
    A recent statement for dvla - 94% calls were being cut off or unanswered.

    That might have been post Covid back log.

    But shows cannot rely on these agencies - certainly not in a rush.
    True, 13 years of Conservative government is definitely taking its toll.
  • Pat38493
    Pat38493 Posts: 3,334 Forumite
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    I'm having same trouble. My pension is due end of July and I have a couple of years to fill. The government gateway says this should be paid before 6th April. At this rate, I'll still be trying to get through by then !!!
    I know the years in question and the exact amount to pay.
    I'm tempted just to send them a cheque in the post, with all the details, and hope for the best.
    Maybe the web site hasn’t been updated but I think the deadline was extended to July.

    Also - it depends which years you are trying to pay - I think that if the deadline only applies to years more than 6 years in the past - for more recent years you can do it on a rolling basis.
  • I have been having the same issues as many others with the Future Pensions line.  I give below details of my forecast etc in the hope that someone could work out how much I would have to pay in voluntary contributions to take me up to full pension.  Thanks in advance.

    Maximum Forecast - £181.84 wk
    Current amount to April 2023 - £144.81 wk
    I will qualify for state pension in October 2023
    No of full years prior to 2016 - 37
    No of full years after 2016 - 0   (I retired from work in 2011)
    Years not filled 2011 (from June) to 2023
    COPE estimate - £85.68 wk

  • jem16
    jem16 Posts: 19,605 Forumite
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    karfis said:
    I have been having the same issues as many others with the Future Pensions line.  I give below details of my forecast etc in the hope that someone could work out how much I would have to pay in voluntary contributions to take me up to full pension.  Thanks in advance.

    Maximum Forecast - £181.84 wk
    Current amount to April 2023 - £144.81 wk
    I will qualify for state pension in October 2023
    No of full years prior to 2016 - 37
    No of full years after 2016 - 0   (I retired from work in 2011)
    Years not filled 2011 (from June) to 2023
    COPE estimate - £85.68 wk

    You would need 8 years to get a full nSP but you’re not going to get that as you don’t have enough years from 2016 to reaching SPA. 

    Only years from 2016/17 will improve your pension. If you pay the 7 years from 2016/17 to 2022/23 you will get it to £181.84 which is the most you can get. 
  • I have been trying to contact the pension center since 2019, I am calling from Australia and now the number does not even ring out - it immediately says, "call cancelled". I also wrote to them at Christmas and have had no response.  It's quite distressing that this government service is uncontactable.

    I understand I need 35 years for a full state pension. I worked in the UK for 32 years before emigrating to Australia in 2013 and my NI record correctly shows 32 years of full contributions. But I find the missing years confusing. In 2019 the record said I had 5 years when I did not contribute enough. Bizarrely this number of missing years is increasing. It now says 9 years.

    The question I need to ask is: If I have 32/35 years full contributions, why is the number of missing years greater than 3 and why is it increasing each year? Someone has suggested the discrepancy is because I was contracted out, but I cannot get a detailed explanation.


    It currently says missing years will cost GBP824.20 to fill each year. Although it's almost a no brainer to top up in the UK, here in Australia my UK state pension will be frozen once I start receiving it and is not index linked. Thus, it will devalue, and it might be a better investment to put the funds into an Australian pension. (Depending how long I live)

    Can anyone shed some light on this?
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