Topping up missing years pre 2016

Hi, I have checked my state pension forecast and have the following information. 
Retirement date may 12/ 2035
Current forecast  as of 2022 £140.74 p/wk
Cope £8.65 p/wk
Pre 2016 years full 24
Post 2016 years all not full.
Pay another 11 years to receive max of 
£203,85.
After looking at the forecast I have a couple of years stating full year where there only seems to be £53.00 credited, and on 1 year it is showing as full but without any £'s credited atall?
See screen shot below

you do not need to do anything.

2011 to 2012

Full year

View details

"You did not make any contributions this" year

2010 to 2011

Full year

View details

You have contributions from Paid employment: £53.35

2009 to 2010

Full year

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You have contributions from Paid employment: £53.35

2008 to 2009

Full year

View details

You have contributions from Paid employment: £84.15

2007 to 2008

Year is not full

View details

We are checking this year to see if it counts towards your pension. We'll update your record when this is finished, you do not need to do anything.

Is this even possible?

I have been living abroad since 2020 and would like to purchase voluntary  contributions to maximise the pension due in 2035.
I haven't worked abroad and am under retirement age.
There are 2 years between 2007 and 2016 available,these are currently displaying the message 'we are checking this year'
Would these years be beneficial to purchase?
Would the cost of these be at the rate of 
£824.20?
Most of my employment was self employed would I need to purchase class 2 or class 3 Ni contributions?
Would purchasing another 9 more years on top of the 2 pre 2016 years between now and 2035 bring the pension to the maximum amount achievable of £203.85.

Hopefully this makes sense.


Comments

  • You don't always have to pay NI to add a qualifying year, earning above the LEL all year without paying any NI will be sufficient at the moment.

    The "checking" message is often associated with period of self employment where you didn't pay Class 2 NI.  You may be able to pay that now but would need to discuss this with HMRC.

    Eleven post 2016 years will definitely get you to £203.85.

    Not so sure about a mix of 2 pre 2016 and 9 post 2016 but someone else will no doubt clarify this shortly.
  • molerat
    molerat Posts: 31,509
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    2 pre and 9 post 2016 years would take you to £203.57, 28p short of the max as a pre 2016 year will only give £5.21 v £5.82 for a post 2016 year but could be worthwhile if those years are payable at class 2 which are 1/5th the price of class 3.
  • Hi, sorry for late response. 
    Thank you both for your advise.
    I will contact HMRC and Fpc to see if I can purchase class 2,if not still thinking its worthwhile to purchase the 11 years.

    Thanks. 

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