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can't find my private pention...Please Help!
Hi, Can anybody help, I opened a private pension years ago (about 2001) with Nationwide, which has since been changed over several times to other companies who had just continued to take out the direct debit. The last I knew it was being taken out by Waystone but then after September 2025 they stopped taking my money and I…
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Advice on Kingfisher pension
I am 58 and have a deferred FS pension with Kingfisher. I was there for 7 years and left in 2007. I have just now taken notice of the statements sent over the years and have now looked online to see the benefit statement. Yes, I should have done this years ago !!The 2020 statement is £2.9K pa and projects around £3.3K pa…
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How to claim back Tax Overpayment on Drawdown via SA
At the end of TY 2025-26 I took a lump sum out of my Pension of £30K, this used up the remainder of the standard rate tax band for the year. I was expecting this money to be fully taxed by the pension provider at 20%, but they taxed it at 40%, resulting in an overpayment of £6000. I know that I can reclaim this tax via my…
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Ignore requests from the state trying to claw back pension overpayments after someone has died
Friends or relatives can ignore requests by the Government to return overpaid state pension payments in the event of the recipient's death, as there is no legal obligation to pay the money back... Read the full story: Ignore requests from the state trying to claw back pension overpayments after someone has died - they have…
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Taxing of State Pension
Not sure whether this is the right forum but I had to get this off my chest. I did my SA Tax Return online and reported the amount of State Pension I had received during the tax year (my pension started during 2023/24). I knew I would owe tax due to bank interest and when I submitted the return the figure owing agreed…
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P45 and Pensions
I am going around in circles with a pension provider. I am trying to withdraw my pot from company A and am in receipt of a small pension from company B a few years ago. I have sent a TTFA certificate from B to A to cover the lump sum already received but my new pension provider (A) are demanding a P45 from the existing…
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Releasing a GMP pension pot
I’m having great difficulty releasing a pension pot with a GMP section 32 buyout attached to it. The amount to buy the annuity is less than £30k but I’m still getting told I need financial advice but can find NO ONE willing to do that as they are not covered by their insurance. Do I still need advice even though the…
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State Pension /Class 3 NI Top-up after retirement...Quietly changed?
Anyone know why this should be the case - is the MSE article I reference below now out of date? The MSE article on this shows the cost of buying the 2021/22 year as £800.80 but the DWP / HMRC (NIC) wanted £923.00 for that year when I approached them. Perversely they only wanted £907.40 for the 2024/25 year, which is what…
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Is it worth seeing a financial advisor ?
Apologies if this is a dumb question but I'm trying to figure out what the advantages of seeing a financial advisor would be. My husband is early 60's I'm late 50's. I am debating whether I can afford to retire at the same time as my husband. We both have decent pensions with our employers so no plans to change anything…
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Applying for pension - quick question
Mrs GenX is about to apply for her pension(s) and she will be taking a combination of DB plan and SIPP drawdown together. She will have about £5k from DB and planning on taking about £6k from drawdown. When applying the forms ask whether you are receiving any other pension income and to provide details (presumably to try…
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How much to keep back and invest?
How much to keep back and invest? 5 year cash ladder should be plenty and invest the rest.
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Remedy and partial retirement nhs calculators disparity
I used both calculators with a retirement age of '61'. I've worked part time with varying hours over the years and now have accurate dates, which were inputted into both calculators. I guess the remedy calculator is estimating a pension if I retire fully (?) But the partial retirement estimates my pension to be around 6k…
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Gold stocks interesting obs
Interestingly, I had a very small pension, just under £2000 within. I was only with the company for one year. I ignored it, didn't think anything of it. I logged in six months later and it had doubled to £4100. Looked closer, it had large amount of gold mining stocks which went up. It went back down to around £3500. Now…
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Am I an employee for pension purposes
I have my own ltd company of which I am the only director. I have been making sipp contributions from my company to my pension for a few years but last year I stopped taking a wage, so can I still take employer pension contributions?
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Investment planning
I have posted this to the 'Savings and investments' board.
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Urgent Advice needed - private pension 25/26 deadline
I paid into my husband's pension to keep him under £100K, unfortunately he has been paid earlier than expected in April so it's now taken him over £100K. If I make an additional payment into his pension today, will it still count for 25/26? When I paid into his pension last month they said payments had to be received by…
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Inherent annual incorrect reporting of State Pension by DWP to HMRC
Each year, HMRC rely on the annual state pension figure reported to them by DWP for tax purposes.. State pension payments are always in arrears so the first payment on or after 6th April is always less than subsequent payments because a proportion of it always includes an element at the previous year's rate (most…
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Nest pension and alternatives
My partner is enrolled in nest with work with approx 44k but pays in additional 600 per month to it. We are aware of the 1.8 charge on contributions and I read some comments how poor the nest scheme is, but why? Is is worth her starting a new sip she also has a old workplace TPP scheme would that be a better scheme to…
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Aviva My Future Focus Lifestage Pension?
I'm looking at my wife's employers Aviva pension statement, and wondering if we need to take any action? She is age 53 (has a previous BT pension for 20+ years) and commenced the Aviva pension when she started working for her employer in 2022. However, she was made redundant in December 2025 and is hoping to return to…
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UFPLS P60 Sanity Check
Hi all, About to take my first UFPLS payment at the start of the new tax year next week from my as yet untouched SIPP. If I wanted to take a total of £30k out of my pot via UFPLS in the year spread over several payments, what will go down on my P60 towards my gross income? Will it be the £30k or will it be the £30k minus…
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
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Most recent: MSE NEWS: At or near State Pension age? Check NOW if you’re due missing Child Benefit credits by MSE_Isabelle
17 April at 12:12PM
