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MSE News: Self-employed? You may have incorrect gaps in your National Insurance record
Started working for yourself between 2015 and 2024? If you didn't tell HMRC using the specific CWF1 form – even if you registered for self-assessment – you may have incorrect gaps in your National Insurance (NI) record. And if that means you're not on track for the full State Pension, you're at risk of being underpaid £1,000s. But you don't need to do anything right now, as HMRC will contact you directly if you're affected…
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@MSE_Abby looks like a broken link?
Edit: fixed now, thank you!
N. Hampshire, he/him. Octopus Intelligent Go elec / Fuse gas / Vodafone BB / iD mobile. Kirk Hill Co-op member.Ofgem cap table, Ofgem cap explainer. Economy 7 cap explainer. Gas vs E7 vs peak elec heating costs, Best kettle!
2.72kWp PV facing SSW installed Jan 2012. 11 x 247w panels, 3.6kw inverter. 37 MWh generated, long-term average 2.6 Os.1 -
https://www.moneysavingexpert.com/news/2026/07/hmrc-error-state-pension-gaps/
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