WikiWirral Share a Little Learn a Lot about your Wirral
Forum Stats
12330 Members
65 Forums
73260 Topics
989263 Posts
64 posts in the last 24hrs
Max Online: 7831 @ 8th Apr 2013 4:18pm
Who's Online - Click Me
69 registered (alan128, 12 invisible), 1362 Guests and 321 Spiders online.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


(Views 7days)This Weeks Most Read
Finsbury Park mosque. 1289
Bexit Offer for EU Citizens 382
Washing machine 262
Range Rover P38A Air Suspension Help Needed 207
Loving Home Wanted For 3 Cats. 171
Deja Vu, Lightning Strikes Thrice, Groundhog Day 135
Benefit Cap is Unlawful 129
VW t4 fixed side window replacement 110
Wanted roof box 97
audi specialised pls 44
New General Forums
Theresa May and the Holy Grail
by snowhite
Today at 06:17 PM
Deja Vu, Lightning Strikes Thrice, Groundhog Day
by fish5133
22nd Jun 2017 7:38pm
Ant and Dec
by cools
18th Jun 2017 2:11pm
Another Scam
by Excoriator
18th Jun 2017 10:00am
New Wirral History
Round the Wirral with a movie camera[1934]
by snowhite
16th Jun 2017 2:03pm
Bascule Bridge
by Sufee
6th Jun 2017 9:09pm
Pathe news short - merseytunnel 1934
by oldpm01
5th Jun 2017 1:57pm
1878 Post Office Directory of Cheshire query
by derekdwc
1st Jun 2017 10:41pm
Bakery at 275 Poulton Road 1925 onwards
by JAFitz
30th May 2017 8:59pm
Forum Tips
Photo Gallery Forums
wirral from Liverpool big wheel
New Brighton Big Wheel
Topic Replies
live webcam from africa, a must see
by cools
48 minutes 14 seconds ago
audi specialised pls
by diggingdeeper
Today at 05:41 PM
Bexit Offer for EU Citizens
by Excoriator
Today at 02:43 PM
Ipad 1 charger
by madrob
Today at 02:34 PM
What song are you listening to?
by snowshoes
Today at 01:34 PM
Sailing volunteers
by dogsbrain
Today at 01:11 PM
Finsbury Park mosque.
by Beethoven
Today at 11:03 AM
Loving Home Wanted For 3 Cats.
by lincle
Yesterday at 12:03 PM
60 KG Weights set & exercise bars FOR SALE 40 !!
by GaryFromWirral
Yesterday at 10:25 AM
June
M Tu W Th F Sa Su
1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30
Recent Posts : What's On ?
Shotwick - Old And New (Hall and Solar Farm)
by diggingdeeper
18th Jun 2017 11:41am
Sefton Park
by diggingdeeper
17th Jun 2017 7:28pm
Topic Options
Rate This Topic
#1027418 - 22nd Dec 2016 2:03pm Pensions *****
fish5133 Online   content
Forum Master

Registered: 22nd Mar 2010
Posts: 2998
Loc: Heswallish
If like me your ignorant/confused of the whole NI/pension process, opting in opting out serps etc etc then you might find this Government link useful as you can check all your NI records and future pension. You will need to register with them and get user name etc.

https://www.tax.service.gov.uk/check-your-state-pension

Top
Google Ads
#1027421 - 22nd Dec 2016 5:28pm Re: Pensions [Re: fish5133]
Excoriator Online   content
Guardian

Registered: 21st Jan 2010
Posts: 907
Loc: wirral
The state pension is brilliant and bureaucracy-free. All it took was a single 30-second phone call to get my state pension paid into my bank.

What a contrast with the various company pensions I'd accumulated over the years. Most of them for small amounts, but still... None of them could give me an accurate forecast like the state one does. I had about seven or eight of these and every one required a form to be filled out and submitted along with my birth certificate (No. It can't be a copy. It has to be the original!) and they were all very S.L.O.W to send it back so it could be sent to the next one. Be prepared if you are in the same position as I was. Obviously you need to prioritise with the biggest first.

I often smile when I read of 'state bureaucracy' My experience is that it is the private companies that rejoice in forms and procedures. I had the same experience with private medical care. Before the doctor could even say 'Good morning' I had to have an authorisation code for a consultation from the insurance company and it got worse as treatment was needed. There were arguments between doctor and insurance company about the cost, and whether the treatment was to be allowed etc. etc. Awful! It's the last thing you need if you are unwell or worried. You get none of this at the NHS.

Top
#1027435 - 22nd Dec 2016 10:00pm Re: Pensions [Re: fish5133]
diggingdeeper Offline

Wiki Master

Registered: 9th Jul 2008
Posts: 10278
Loc: Birkenhead
Sad thing about the state pension has been the life-changing changes they have made to it at pretty short notice.

The latest scheme has not yet been finalised yet it started earlier this year - this creates an additional hazard of people being over-paid and having to make repayments.

Its been over two years that I have been trying to get a state-pension forecast and I still haven't managed to obtain one.

There are a lot of traps, there are loads of people that made voluntary contributions to pension schemes but have gained very little (or even nothing).

The national insurance credits system desperately needs to be re-vamped, I lost one years credit due to one single day missing thanks to an administrative mistake - fortunately I noticed and was able to have it corrected albeit it took a lot of messing around over a number of months. Credits should be done on a weekly or monthly basis.

My expected state pension (subject to them sorting out the rules) has halfed in the last two years. Pensions are supposed to be a life-long planning but massive changes at short notice make this a farce. The Government are supposed to maintain stability not increase instability.

Building a bigger soapbox for my next outburst on the subject.
_________________________
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

When the debate is lost, slander becomes the tool of the loser. Socrates

Top
#1027445 - 22nd Dec 2016 10:35pm Re: Pensions [Re: fish5133]
snowshoes Online   content

Wise One

Registered: 16th Aug 2010
Posts: 788
Loc: ottawa canada ( formerly new b...
Sorry that you are having such a hard time DD.
I made voluntary contributions for about 10 years and have had
no problems.

Top
#1027462 - 22nd Dec 2016 11:44pm Re: Pensions [Re: fish5133]
venice Offline

Forum Master

Registered: 21st Jul 2011
Posts: 2748
Loc: Wirral
And the Government wonders why so many people shy away from entrusting their hard earned money into pensions.

Top
#1030712 - 13th Feb 2017 9:09pm Re: Pensions [Re: fish5133]
RUDEBOX Offline

Wiki Master

Registered: 29th Aug 2008
Posts: 19144
Loc: Here.
http://www.waspi.co.uk will be doing a presentation at Wirral Unite Community Branch Meeting on 3rd March 2017 at 3pm. PM for details.
_________________________
Mia Mabel


Top

Moderator:  Mod 
Random Wirral Images

Click to View Topic.
Newest Topics
audi specialised pls
by Little_B
Today at 05:02 PM
Bexit Offer for EU Citizens
by granny
23rd Jun 2017 9:38am
Benefit Cap is Unlawful
by RUDEBOX
22nd Jun 2017 7:37pm
VW t4 fixed side window replacement
by Mike72
22nd Jun 2017 8:00am
Range Rover P38A Air Suspension Help Needed
by Martin1943
20th Jun 2017 8:06pm
For Sale & Free
Ipad 1 charger
by madrob
Today at 02:34 PM
Washing machine
by GingerTom
20th Jun 2017 9:05pm
22" full 1080p hd and freeview tv
by monsterz4
20th Jun 2017 8:50pm
Apple TV box the 1gen
by monsterz4
20th Jun 2017 8:48pm
42 lf smart tv
by stumpyduck
20th Jun 2017 8:15pm
Featured Member
Registered: 8th Nov 2011
Posts: 336
Newest Members
OwenChristian, DaveAitch, Fairz87, mikerobbo84, Robbo1960
12330 Registered Users
Today's Birthdays
woofie (55)
New Wirral Info
Shotwick - Old And New (Hall and Solar Farm)
by diggingdeeper
15th Jun 2017 10:19pm
Sefton Park
by diggingdeeper
15th Jun 2017 10:02pm
Property Law
by lau2908
14th Jun 2017 8:04pm
van driver needed
by futurepast
14th Jun 2017 7:34pm
Sailing volunteers
by dogsbrain
14th Jun 2017 4:31pm
News : New Topics
Bexit Offer for EU Citizens
by granny
23rd Jun 2017 9:38am
Benefit Cap is Unlawful
by RUDEBOX
22nd Jun 2017 7:37pm
Finsbury Park mosque.
by Beethoven
19th Jun 2017 11:42am
Grenfell Tower - Notting Hill
by diggingdeeper
14th Jun 2017 5:13am
Manchester airport
by Dilly
9th Jun 2017 6:01pm
New Enthusiast Forums
audi specialised pls
by Little_B
Today at 05:02 PM
VW t4 fixed side window replacement
by Mike72
22nd Jun 2017 8:00am
Range Rover P38A Air Suspension Help Needed
by Martin1943
20th Jun 2017 8:06pm
Loving Home Wanted For 3 Cats.
by DavidC
20th Jun 2017 8:32am
Loving Home Wanted For 3 Cats.
by DavidC
18th Jun 2017 6:02pm
(Views 24hrs)Trending Newest Topics
audi specialised pls 44
Ipad 1 charger 24
Wirral Sunrise Sunset
Sunrise Sun 4:44am
Sunset Sun 9:45pm
Local Time Sun 9:49pm
WikiWirral Can . . . .