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UK state pension

13468911

Comments

  • Registered Users, Registered Users 2 Posts: 12,778 ✭✭✭✭DrPhilG


    I do rent out a property in Ireland. I asked my accountant if that would help and she said no?

    Currently earning gross annual rent of about €10k.



  • Registered Users, Registered Users 2 Posts: 3,134 ✭✭✭beachhead


    Yes,ring them and post any updates to help others



  • Registered Users, Registered Users 2 Posts: 3,134 ✭✭✭beachhead


    Ring them and ask.You can also email the HMRC.Supposedly they reply after 10 days!! Let us know how you get on



  • Registered Users, Registered Users 2 Posts: 636 ✭✭✭RCSATELLITES


    It depends on your situation at the moment. When you file your tax return with the accountant are you saying you are a non resident landlord? (Based outside Ireland)

    As when you are a non resident you are exempt from paying prsi, but can pay the voluntary (but you need 10 years) which I don't think you have. So would it make sense for you to be a tax resident in Ireland in order for you to pay the prsi s contributions.

    In my situation I live in Ireland so pay the €500 and get the 52 weeks contributions. Then I pay the UK nation insurance per year for the pension.



  • Registered Users, Registered Users 2 Posts: 12,778 ✭✭✭✭DrPhilG


    I'll have to check but I think I'm Irish resident landlord.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    With all due respect if your accountant can't give you definitive advice on this what are you paying them for?



  • Moderators, Business & Finance Moderators Posts: 10,705 Mod ✭✭✭✭Jim2007


    First of all you pay an accountant for the services specified in the letter of engagement and second all the OP said was that he did not know his status and will check. NOW BACK ON TOPIC.



  • Registered Users, Registered Users 2 Posts: 297 ✭✭pauly58


    I've found DWP useless, forget trying to get through on the phone, they lost my birth & marriage certs & then said in email , that there was no proof they ever received them. Our lot in Sligo are fantastic compared to them.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    I got a phone number for the international case officer and got through swiftly and was given great help.



  • Registered Users, Registered Users 2 Posts: 3 modgal


    Hi, can anyone help me, I applied to buy back years for UK pension as I was entitled to. It has taken 2 years, locating my NI insurance number took a year (my fault). Anyway, after I left UK in 1990s I went to work in Netherlands and then onto Australia back to Ireland in 2006, then kids home duties until 2015 back to work. Can anyone tell me if I am only entitled to buy back at higher rate class 3, I have applied for cheaper class 2. Than you for your help



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  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    The criteria for class 2 I believe is, you must have been working before you left the UK,and you must have commenced work when you entered the new country.



  • Registered Users, Registered Users 2 Posts: 3,134 ✭✭✭beachhead


    Widows son is correct.See gov.uk Search for:- Plan Your Retirement Income section and scroll down to see who qaulifies to pay Class 2

    When you apply provide a list of employers with dates to help DWP decide on Class 2 or 3.Dates of leaving UK and starting new employment up to the present day



  • Registered Users, Registered Users 2 Posts: 433 ✭✭Sponge25


    Are Irish citizens entitled to benefits in general if they live permanently in the UK?



  • Registered Users, Registered Users 2 Posts: 3,134 ✭✭✭beachhead


    Yes.The 2 governments have a reciprocal agreement for Irish and British citizens



  • Registered Users, Registered Users 2 Posts: 5,478 ✭✭✭SCOOP 64


    I rang UK revenue 3 times today , cut off 3 times after about 10 minutes ,wondered if its my phone or is it the norm.



  • Registered Users, Registered Users 2 Posts: 7,909 ✭✭✭The Continental Op


    Probably overwhelmed? Often takes me an hour to get through to them.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 6,336 ✭✭✭OfflerCrocGod


    My credit ran out after an hour, patiently, on hold. Skype didn't see the credit I bought until I logged out and in again. Was fuming. Didn't answer the robot voice machine clearly. Just demanded to talk to a human. Call was picked up in 5 minutes.



  • Registered Users, Registered Users 2 Posts: 6,336 ✭✭✭OfflerCrocGod


    At least I was able to find out that my bank transfer was fully allocated to last year when it was meant to be for the last ten years instead! They'll get that fixed but it might take 16 weeks. They had no idea why my direct debit was cancelled. I'll have to fill out the direct debit form again. Thankfully it's all online but what a shambles of a system.



  • Registered Users, Registered Users 2 Posts: 8,246 ✭✭✭SuperBowserWorld


    If you've done the application they hopefully will get back to you in few months with a letter telling you what class you can pay at. For me, because I didn't give them all my employment details post UK I have some class 2 and a lot class 3, so I've posted the details I could find + Irish social insurance payment details to them. Hopefully this will reduce those class 3 to class 2 payments. Waiting on a response from them.



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  • Registered Users, Registered Users 2 Posts: 7,909 ✭✭✭The Continental Op


    That was sort of the problem I had. I'd spoken to them worked out how much to pay and said what I was paying for then 2-3 months after paying I called (an hour to get through) and they had the money but not allocated it because they didn't know what the money was there for.

    So now its gone to a case worker with hopefully the relevant info for them to update it. Told it could to check back in 2 weeks but could take 12. Suspect the issues are down to volume its a deal thats too good to miss out on.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 240 ✭✭Heiser


    Ive to pay the last 12 years worth of contributions, I was going to pay through my Bank of Ireland account but as they would be a new payee I'm limited to sending them only €1000. Has anyone sent their payment through Revolut?



  • Registered Users, Registered Users 2 Posts: 240 ✭✭Heiser


    If it's ok to pay through Revolut it might be better to sign up for their Plus plan, for a yearly €48 you get free currency exchange up to €3k.

    Depending on how much you need to send, most of that could be made back in the savings on fees in sending sterling to the HRMC account, plus then you get the other Revolut Plus benefits.



  • Registered Users, Registered Users 2 Posts: 14 rob_satellites


    Is that not only on the app. If you physically go down to a branch then you can send as much as you want?



  • Registered Users, Registered Users 2 Posts: 3,568 ✭✭✭Peckham


    That limit is lifted after a few days. 2 days, I think.



  • Registered Users, Registered Users 2 Posts: 6,336 ✭✭✭OfflerCrocGod


    I used Revolut. I have a £ Revolut account from when I was in the UK. You can open one easily. Then just transfer over every month up to the free limit and pay the lump once you've enough.



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  • Registered Users, Registered Users 2 Posts: 5,478 ✭✭✭SCOOP 64


    Still can't get through (00442890538192) always drops at 11 minutes on hold .



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    What are you ringing them about?



  • Registered Users, Registered Users 2 Posts: 6,222 ✭✭✭Charles Babbage


    It might be wise to check the cost of other transfer options. Then you have the option of transferring at a time of your choosing. For instance, the € is up 1.5p in the last week.

    This kind of site indicates the options https://www.monito.com/en/compare/transfer/ie/gb/eur/gbp/1000



  • Registered Users, Registered Users 2 Posts: 406 ✭✭Rock Steady Edy


    Can see on line that I've finally been credited for.the years I topped up - whole process took 18 months from start to finish. Mine was a fairly straightforward case where I gave them all the information they needed in Jan 2023, and they informed me how much I was due to pay 8 months later, which I promptly did.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    How long did it take from time of payment to showing in your record?



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  • Registered Users, Registered Users 2 Posts: 406 ✭✭Rock Steady Edy


    6 months (at which point they didn't allocate it to the right years) and another 3 months to correct it after I pointed it out.



  • Registered Users, Registered Users 2 Posts: 699 ✭✭✭danoriordan1402


    I must say I had a quick turnaround, I also had to get my NI number as I could find any previous payslips with it, or any other docs. So I got that in June, send the query off to get the contributions, sent another query off to state my case for the lesser amount class contributions and finally got a letter last week:

    It stated I had 10 qualifying years already and listed out the payments below:

    Worked it out as a bit less than 6k in total - so if I pay this, it will have me up to day, excluding the partial rate 2023 to 24 I guess ?



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    Depending on how old you are it might make sense not to pay the three most expensive years there if going forward you can make them up at the lower rate.



  • Registered Users, Registered Users 2 Posts: 6,222 ✭✭✭Charles Babbage


    On the above, is a line "To find to if your State Pension will increase after you pay voluntary NICS, you must phone the Pension Service"

    From other comments here that does not seem to be an easy thing to do, as the phone queue just times out.

    Can you email or write to them? I don't see that I have any complications, I had the bare 3 years contributions which are mostly credits, they have agreed that I can pay voluntary contributions, I have to pay Class 3 in any case. I was considering just writing a letter setting out all the information and indicating the years etc and posting that off with a sterling cheque.



  • Registered Users, Registered Users 2 Posts: 636 ✭✭✭RCSATELLITES


    Don't know why they gave 47 and 5 for 2023 to 2024 separately. But that year for them is finished back in April 2024. Tax year in UK April to March. The new Tax year is 2024 to 2025 and you won't be able to pay for it until after April 2025. Hope this answers your question. So you will be fully up to date, once you pay. Might be a good time to look at converting some euro to pounds now, as pound dropped along with stocks and shares.



  • Registered Users, Registered Users 2 Posts: 699 ✭✭✭danoriordan1402


    Hadnt thought of that to be honest, good point - I am 50 currently



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    You will have another 16 or 17 payable in the future most likely at the lower rate.. I reckon I've saved you about two and a half grand....



  • Registered Users, Registered Users 2 Posts: 112 ✭✭Deenie78


    I'm sure this has been asked before but I can't find the answer - how do find the bank details to send my back payment to? TIA



  • Registered Users, Registered Users 2 Posts: 636 ✭✭✭RCSATELLITES


    It's on the back of the letter you would have received. Here is a picture of mine.



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  • Registered Users, Registered Users 2 Posts: 112 ✭✭Deenie78


    Thank you both!

    Strange that's not on the letter I received (was a bit worried there that I was that dope that didn't check both sides!!)



  • Registered Users, Registered Users 2 Posts: 636 ✭✭✭RCSATELLITES


    😂 Don't be hard on yourself. Now that was the letter I received recently for 2023-2024 not the other letter with the last 7 years 👍



  • Registered Users, Registered Users 2 Posts: 5,478 ✭✭✭SCOOP 64


    What are you ringing them about?

    To see they are getting any further with my request to pay class 2 contributions, feels like nearly a year now, got the odd later for more information which I have sent on.

    Like to actually talk to someone.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    00441912037010 ask for the international case officer.



  • Registered Users, Registered Users 2 Posts: 1,764 ✭✭✭peejay1986


    Really sorry but I've had a read through the thread and still confused.

    My wife just received her calculations letter today.

    It states she has 5 years of qualifying payments and says you need 10 to qualified for state pension.

    Similar to above, she has a list of years on back from 2006 to 2024 (although 10-11 and 11-12 aren't listed for some reason) with payment amounts beside.

    Do all of these need to be paid or just another five years to bring it to 10 years?



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    You can pay any years you like. If you only have ten years contributions you only get Ten thirty fifths of the pension. You need 35 years to get the full pension and a minimum of ten to get anything at all. You should also be able to pay in future years up till your 67th birthday.



  • Registered Users, Registered Users 2 Posts: 1,764 ✭✭✭peejay1986


    Aaaah ok. Thanks for clarifying that.

    So, she's almost 37 years old now and already has five years contributions. So would she be able to just pay a couple of the cheaper ones and then continue to pay yearly until 67?

    That would total more than 35 years then.



  • Registered Users, Registered Users 2 Posts: 68 ✭✭Widows Son


    Anything over 35 years is a waste. If it was me id pay the cheapest years now, as many as I could afford, in case they change the rules going forward. If you can continue paying at the low rate going forward continue until you have 35 years.



  • Registered Users, Registered Users 2 Posts: 1,764 ✭✭✭peejay1986


    Perfect, thanks again for explaining. Big help.



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  • Registered Users, Registered Users 2 Posts: 3,046 ✭✭✭BailMeOut


    Sorry if this answer is already posted somewhere above but I made my "application to pay voluntary contributions for periods living or working abroad" mid March this year for the first time. How long does it typically take for them to confirm if the application has been approved. The email I got back in March says 'We will write to you to confirm if your application has been approved' and do I get this via email or regular post?



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