Missing contributions

Bertie111

Could do with some advice please
HMRC is showing missing tax and NI contributions for the tax year 2004/2005. I was continuously employed by the same company from 1994 to 2012 so I suspect this is due to the mid allocated issue. I have no documentation and my ex employer also states they have nothing to send HMRC to prove employment. HMRC will not investigate without proof. I am only 1 year away from full contributions and still have 15 odd years until retirement but with the rules changing all the time I am concerned this will affect my pension when I eventually receive it. Would welcome any thoughts or advice

MX5huggy

The rules aren’t changing all the time, they changed once. It will make no difference forget about it and keep better records (P60’s) going forward. 

Bertie111

Thanks for the reply, it’s not unreasonable for paperwork to be lost in 20 years just annoying that HMRC cannot allocate funds properly and put the onus back on the employee or employer 

squirrelpie

Personally, I start from the assumption it's my responsibility to look after my documentation for future reference, rather than relying on anybody else to do it.

Marcon

Bertie111 said:

Could do with some advice please
HMRC is showing missing tax and NI contributions for the tax year 2004/2005. I was continuously employed by the same company from 1994 to 2012 so I suspect this is due to the mid allocated issue. I have no documentation and my ex employer also states they have nothing to send HMRC to prove employment. HMRC will not investigate without proof. I am only 1 year away from full contributions and still have 15 odd years until retirement but with the rules changing all the time I am concerned this will affect my pension when I eventually receive it. Would welcome any thoughts or advice

Some pretty unsympathetic and unhelpful responses to a perfectly reasonable question!

See  https://forums.moneysavingexpert.com/discussion/6267734/is-there-a-really-detailed-online-method-to-check-nics/p1 which might be worth doing, to see if it yields the necessary confirmation for the year in question - not unknown for different branches of our dear gov departments to have different info!

molerat

You need to decide what battles are worth fighting and how much time and effort you want to spend on something that has a fair chance of making no difference to your forecast and with so many years going forward would unlikely have any effect under any new rules.

najan49

MX5huggy said:

The rules aren’t changing all the time, they changed once. It will make no difference forget about it and keep better records (P60’s) going forward. 

They changed twice didn't they? When I started work I needed 44 qualifying years, then it was 30, now it's 35 (and yes in my case it is exactly 35!)