NI record incorrect 2 March at 2:16PM in Pensions, annuities & retirement planning 10 replies 546 views

Steve_666_

Have noticed an oddity in my NI record, would have been in full employment, same job, roughly the same pay during this period. My record for one year is clearly incorrect. It shows something like this
2008-09 X k
2009-10 X/3 k
2010-11 X k
so the 2009-10 years is only showing 1/3 of what should have been my contributions. .
I was employed by a company that went bust in November 2009, they were bought/taken over in a rush and the employment just moved to the new company. Given the numbers it looks as if my NI contributions for the new company are recorded, but not for the original company Apr-Nov. I obviously don't know whether HMRC were paid or owed by the old company.
The NI record shows the year as a full year, so is there any point in me trying to get this corrected, this would have been during the period that I was contracted in to SSP.

eskbanker

Where are you sourcing these figures from?  I didn't think that there was anything on the official site summarising actual NI contributions in monetary terms, just full or not full, i.e. if "The NI record shows the year as a full year", where do the other figures come from?

pinnks

Mine also shows the amount paid, though I have never compared that back to my payslips as it is irrelevant unless the year shows as not full when one would expect it to show as full. 

molerat

It could make a difference to the amount of S2P earned in the year but unless you have already reached state retirement very close to 2016 it is unlikely to make any difference to the eventual outcome. If your forecast shows an easily achievable £185.15 then it is not worth pursuing.

Steve_666_

eskbanker said:

Where are you sourcing these figures from?  I didn't think that there was anything on the official site summarising actual NI contributions in monetary terms, just full or not full, i.e. if "The NI record shows the year as a full year", where do the other figures come from?

If you view your summary, you can click on each individual year and see your contributions.

Workerbee999

Hi

This thread made me look at my record and it looks a bit odd…

 Forecast 185.15, currently 175.45, 2 more years to get full, COPE 33.34, 31 full years.
all good so far, until I expand the detail of the years.

I worked for the same company full time from 1998 to 2019 ,full time. Even when I was on maternity leave in 2004 (born May) for 6 months I paid NI all months due to car allowance.

Although it shows full years as expected :
2008-9 it says 52 week’s credits no contributions, I was in work full time 
2009-10 full year contributions 
2010-11 to 2015-16 full year contributions each year AND 52 weeks credits
2016-17 full year contributions and 7 week’s credits
2017-18 onwards full contributions

I received child benefit until the rules were changed for earnings levels (40% tax payer) but was never stay at home. And the dates don’t stack up to obvious age milestones for my child other than the last 7 weeks could tie in with May birthday.

Key question for me is if I need to be bothered by this, assuming it’s an error? Especially the year with no contributions shown. I’m only planning to work the next 2 years so don’t want to find out when I retire that I don’t get full SP after all?

thanks

Dazed_and_C0nfused

Workerbee999 said:

Hi

This thread made me look at my record and it looks a bit odd…

 Forecast 185.15, currently 175.45, 2 more years to get full, COPE 33.34, 31 full years.
all good so far, until I expand the detail of the years.

I worked for the same company full time from 1998 to 2019 ,full time. Even when I was on maternity leave in 2004 (born May) for 6 months I paid NI all months due to car allowance.

Although it shows full years as expected :
2008-9 it says 52 week’s credits no contributions, I was in work full time 
2009-10 full year contributions 
2010-11 to 2015-16 full year contributions each year AND 52 weeks credits
2016-17 full year contributions and 7 week’s credits
2017-18 onwards full contributions

I received child benefit until the rules were changed for earnings levels (40% tax payer) but was never stay at home. And the dates don’t stack up to obvious age milestones for my child other than the last 7 weeks could tie in with May birthday.

Key question for me is if I need to be bothered by this, assuming it’s an error? Especially the year with no contributions shown. I’m only planning to work the next 2 years so don’t want to find out when I retire that I don’t get full SP after all?

thanks

Why do you think that that's a possibility?

Workerbee999

Dazed_and_C0nfused said:

Workerbee999 said:

Hi

This thread made me look at my record and it looks a bit odd…

 Forecast 185.15, currently 175.45, 2 more years to get full, COPE 33.34, 31 full years.
all good so far, until I expand the detail of the years.

I worked for the same company full time from 1998 to 2019 ,full time. Even when I was on maternity leave in 2004 (born May) for 6 months I paid NI all months due to car allowance.

Although it shows full years as expected :
2008-9 it says 52 week’s credits no contributions, I was in work full time 
2009-10 full year contributions 
2010-11 to 2015-16 full year contributions each year AND 52 weeks credits
2016-17 full year contributions and 7 week’s credits
2017-18 onwards full contributions

I received child benefit until the rules were changed for earnings levels (40% tax payer) but was never stay at home. And the dates don’t stack up to obvious age milestones for my child other than the last 7 weeks could tie in with May birthday.

Key question for me is if I need to be bothered by this, assuming it’s an error? Especially the year with no contributions shown. I’m only planning to work the next 2 years so don’t want to find out when I retire that I don’t get full SP after all?

thanks

Why do you think that that's a possibility?

In case it’s a mistake that DWP find out later - for example if the fact that having both payments and credits against my record has overstated the SP2 calculation and given me too much under the transition rules and they decide later I need more years to get the max than it currently says.

GrubbyGirl_2

Workerbee999 said:

Dazed_and_C0nfused said:

Workerbee999 said:

Hi

This thread made me look at my record and it looks a bit odd…

 Forecast 185.15, currently 175.45, 2 more years to get full, COPE 33.34, 31 full years.
all good so far, until I expand the detail of the years.

I worked for the same company full time from 1998 to 2019 ,full time. Even when I was on maternity leave in 2004 (born May) for 6 months I paid NI all months due to car allowance.

Although it shows full years as expected :
2008-9 it says 52 week’s credits no contributions, I was in work full time 
2009-10 full year contributions 
2010-11 to 2015-16 full year contributions each year AND 52 weeks credits
2016-17 full year contributions and 7 week’s credits
2017-18 onwards full contributions

I received child benefit until the rules were changed for earnings levels (40% tax payer) but was never stay at home. And the dates don’t stack up to obvious age milestones for my child other than the last 7 weeks could tie in with May birthday.

Key question for me is if I need to be bothered by this, assuming it’s an error? Especially the year with no contributions shown. I’m only planning to work the next 2 years so don’t want to find out when I retire that I don’t get full SP after all?

thanks

Why do you think that that's a possibility?

In case it’s a mistake that DWP find out later - for example if the fact that having both payments and credits against my record has overstated the SP2 calculation and given me too much under the transition rules and they decide later I need more years to get the max than it currently says.

From what I understand a year is a year whether it's made up of payments or credits it's not counted as a 2 years because you have both.  If they have allocated credits wrongly you've still made full payments anyway.  With regards to the year where you just have credits but were in work full time do you have your P60 for that year?  If you do then I wouldn't worry

p00hsticks

Workerbee999 said:

2010-11 to 2015-16 full year contributions each year AND 52 weeks credits

My understanding is that this is perfectly normal if you are both earning above the NI Lower Earnings Limit and claiming a benefit such as Child Benefit or Universal Credit that gives you NI credits. The fact that you have both earned contributions and credits is recorded and shown, and so you may have as much as 104 weeks filled in a single year, but it still only shows and counts as a single full year. 

Workerbee999

Thanks everyone, I will leave it well alone then. But will try to dig out the P60 for that year only showing credits - it’s bound to be “put somewhere safe” that made perfect sense at the time….