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    • Brandane
    • By Brandane 11th Feb 18, 5:22 PM
    • 2Posts
    • 0Thanks
    Deferred State Pension Payment
    • #1
    • 11th Feb 18, 5:22 PM
    Deferred State Pension Payment 11th Feb 18 at 5:22 PM
    I deferred my state pension for 4 months (14 Sep 2017 entitled) and when checking the web site on how to now apply I followed the instructions to obtain a gateway login to complete the application. When having the facility to apply for my state pension there was no help facility on the section 'when do you want to start your pension' so I entered 1st February 2018 as being the next month and not being aware that I could have entered 14 Sep 2017. I duly received notification that my pension will now be paid stating the deferred weekly payment would be 3.28 a week = 170.56 a year which will take about 14 years to pay me. I have written a letter of complaint about the no help options as above and waiting a reply. Has anyone else experienced the same and if so is there some ombudsman to contact?
Page 1
    • Thrugelmir
    • By Thrugelmir 11th Feb 18, 5:29 PM
    • 58,190 Posts
    • 51,563 Thanks
    • #2
    • 11th Feb 18, 5:29 PM
    • #2
    • 11th Feb 18, 5:29 PM
    Why didn't you contact the Pension Service prior to entering a date. You could have aborted the application then returned later. After understanding your options better.
    Last edited by Thrugelmir; 11-02-2018 at 5:32 PM.
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
    • Linton
    • By Linton 11th Feb 18, 5:52 PM
    • 9,329 Posts
    • 9,455 Thanks
    • #3
    • 11th Feb 18, 5:52 PM
    • #3
    • 11th Feb 18, 5:52 PM
    Sorry, I dont understand what your problem is. The question seems straightforward to me and you got what you asked for. What did you want to happen?

    It will be less than 14 years for payback because of inflation increases. Your life expectancy assuming you are in average health should be around 20 years so it's not a completely unreasonable deal.
    • Brandane
    • By Brandane 11th Mar 18, 1:42 PM
    • 2 Posts
    • 0 Thanks
    • #4
    • 11th Mar 18, 1:42 PM
    • #4
    • 11th Mar 18, 1:42 PM
    Firstly apologies for not replying sooner as I have been checking my profile to see if indicated any replies and it was zero so today ended up scrolling through all the threads to find my posting and your reply.

    In hindsight I wished I had phoned to apply instead of online and as I mentioned there was no help option on the date you wish to start pension claim otherwise if there were options and an explanation to the consequences of not choosing your birth date.

    I am still awaiting a reply from the DWP requesting my claim is backdated.
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