HELP !

smallzoo2

I am so so frustrated with the government.

According to my records I was missing NI for 2014/2015. I registered a callback as my accountant who I used at the time said I had paid all the necessary NI for that year. They called me and I missed the call but it was very poor quality so couldnt understand the number to call back on

So I called the standard NI number 0300 200 3500. I eventually got through and she said I was too late as it was past April 5th. I said I had a call back so she then gave me another number 0800 731 0175 which was the future pensions centre. I tried that and the automated system said as I was already a pensioner I had to try another number 0800 731 0469

I've literally tried that for 2 hours and every time I get through I get cut off

Is there any other way I can get this resolved or should I just resign myself to hours on the phone

Thanks

Dazed_and_C0nfused

A missing year doesn't necessarily mean there is any impact on your State Pension entitlement.

Assuming you reached SPA after 5 April 2016 what is your current weekly entitlement (the current tax year rate)?

smallzoo2

Dazed_and_C0nfused said:

A missing year doesn't necessarily mean there is any impact on your State Pension entitlement.

Assuming you reached SPA after 5 April 2016 what is your current weekly entitlement (the current tax year rate)?

Monthly £ 839.56, weekly £ 209.89.. I reached SPA Jan 2024

molerat

How many full years 2015-16 and earlier do you have ?  And were you ever in a contracted out pension scheme ?

smallzoo2

from 2000 to 20017 excluding 2014/2015 they all are full years. I may have been in a contracted out pension scheme at some stage

smallzoo2

No other comments ?

QrizB

smallzoo2 said:

No other comments ?

 If you reached SPA in 2024 you could have been paying NI since 1975 or so. Did you have any full years between then and 2000?

1975 to 2014 plus 2015/16 would be 39 or 40 years, potentially? Exactly how many of these years were filled?

smallzoo2

This is my full record ? to 2018

molerat

So you have 35 years to 2015-16 and 2 years post (and the following is assuming you have no contributions beyond that shown).  As you already have the max useable pre 2016 years filling that gap would have no effect on your pension amount irrespective of your contracted out status although to be in this position you obviously were with a COPE amount of at least £22.66.  Assuming £209.89 is your 2025-26 rate you are 4 year short of the max, 3 would take you to £229.63 with he 4th adding the final 62p so not really worth buying.  As you are past pension age you need to contact The Pension Service who will send you a written response, that is the only way this can be resolved as it is a purely manual calculation. You are still in time to fill any gaps 2019-20 onwards but it will take up to a year to see any increase in your pension.  If you registered for a call back then that would improve the situation slightly as that would open up any years back to 2018-19 and the cost would be at the cheaper 2024-25 rates, it would still be a manual in the post response though.

smallzoo2

I do have a few more years .. does this make any difference ?

Thanks a lot for the detailed response

Dazed_and_C0nfused

smallzoo2 said:

I do have a few more years .. does this make any difference ?

Thanks a lot for the detailed response

Is there any reason you haven't bought the 3 post 2016 years?

If your current (2025-26) entitlement is £209.89 then they will add £19.73/week.

So although you will only be eligible for the extra pension from when you make the payment it's going to be a quick return on your investment and you could continue to receive the extra pension for 30+ years.