The future pension service hanging up

abookhalfread
abookhalfread Posts: 1 Newbie
edited 13 June 2023 at 1:48PM in Topping up your state pension
I am trying desperately to fill in the gaps in my national insurance record by paying the shortfalls in various years as last week mse program advised. In order to pay, it's not clear what to do apart from contact the future pension service. Tried this three times. Each time the phone is hung up/cut off immediately. Same for the general hmrc number. What's going on, how can I pay?
«134567

Comments

  • molerat
    molerat Posts: 31,541
    Name Dropper Photogenic First Post First Anniversary
    Forumite
    If you absolutely 100% KNOW the effect that each year will have on your pension then you can contact HMRC and pay.

  • I've had the same issue today. I'm unclear about my situation and really want to discuss it. It's maddening.
  • molerat
    molerat Posts: 31,541
    Name Dropper Photogenic First Post First Anniversary
    Forumite
    edited 1 March 2023 at 4:42PM
    I've had the same issue today. I'm unclear about my situation and really want to discuss it. It's maddening.
    If you need to know how years will add to your pension post up some anonymous details from your forecast and someone here will likely be able to help
    Current £ amount accrued up to April 2022
    Number of pre 2016 years full
    Number of post 2016 years full
    Financial year you reach state retirement
    Any COPE amount shown
    Years which show not full and prices


  • JaneyQ1
    JaneyQ1 Posts: 7
    First Post
    Forumite
    Hi, I'm  new to this so hopefully I'm in the right place!
    I too have been trying to contact the Future Pensions Service unsuccessfully. I have rang and sent 2 emails on the gov.uk system, no acknowledgement. I have also emailed the DWP Independent Complaints office so am waiting to see if I get a response.

    Can anyone shed any light on this?

    My query to discuss is:-  I took early retirement to help look after grandchildren  2009. Also did 2 yrs Fostering but didn't pay NI because I had full years up to 2009.
    My forecast says 
    35 full years
    £146.85 est based NI to 5.4.22
    £162.72 if contribute to 5.4.25
    £173.30 if pay shortfalls.
    Why does it say I have full years but I am not on the full pension?

    Any advice would be great.
    Thanks
  • kippers
    kippers Posts: 2,053
    Name Dropper First Post First Anniversary Combo Breaker
    Forumite
    Ive been ringing ALL MORNING and if i get through to the ‘all calls are being recorded’ bit it cuts me off. Im now waiting on a complaints number i got online as ive had enough…ill probably be on this for hours and betold its the wrong number.  Honestly i think i will be past retirement age when i finally get through, all i want is the 18 digit number to pay my missing years as i know the exact amount to pay
  • molerat
    molerat Posts: 31,541
    Name Dropper Photogenic First Post First Anniversary
    Forumite
    Because 35 years is not relevant to those with a NI record pre 2016, especially so if contracted out.
    What is your COPE amount - a click link in the " you were in a contracted out pension" bit
    Have you been claiming the parent's NI credits whilst looking after the grandchildren ?
  • kippers said:
    Ive been ringing ALL MORNING and if i get through to the ‘all calls are being recorded’ bit it cuts me off. Im now waiting on a complaints number i got online as ive had enough…ill probably be on this for hours and betold its the wrong number.  Honestly i think i will be past retirement age when i finally get through, all i want is the 18 digit number to pay my missing years as i know the exact amount to pay
    But you don't actually need that reference number.

    https://www.gov.uk/pay-voluntary-class-3-national-insurance/by-post
  • JaneyQ1
    JaneyQ1 Posts: 7
    First Post
    Forumite
    Moderate,
    Thanks for your advice. I've been trawling the Internet and come across COPE GMP and NI modification. Its a minefield, a lot to take in! I don't know why they insinuate that full 35 years is all you need to get a full pension. Clearly not.  Minefield, a lot to take in!  I will look into the child care credits too but don't want it to grossly affect my daughters pension in the future.
  • JaneyQ1
    JaneyQ1 Posts: 7
    First Post
    Forumite
    Sorry Molerat not Moderate !?
  • molerat
    molerat Posts: 31,541
    Name Dropper Photogenic First Post First Anniversary
    Forumite
    edited 11 March 2023 at 10:34PM
    JaneyQ1 said:
    Moderate,
    Thanks for your advice. I've been trawling the Internet and come across COPE GMP and NI modification. Its a minefield, a lot to take in! I don't know why they insinuate that full 35 years is all you need to get a full pension. Clearly not.  Minefield, a lot to take in!  I will look into the child care credits too but don't want it to grossly affect my daughters pension in the future.
    You can only transfer the credits she is receiving from child benefit if she is also receiving credits from working, she cannot lose her pension entitlement.  It is free state pension years, MrsM saved having to spend £2.9K on class 3 !
    But, pre 2016 years may not add to your pension amount, the full details asked in the post above your first will clear that up and enable us to spell out all your options.
    The only reference to a definite 35 years has been in the press.  All official sources that mention 35 years specify that it only applies to anyone with no pre 2016 NI history.

Meet your Ambassadors

Categories

  • All Categories
  • 341.7K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449K Spending & Discounts
  • 233.8K Work, Benefits & Business
  • 606K Mortgages, Homes & Bills
  • 172.4K Life & Family
  • 246.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards