Alan Jones

I would like to self serve. Also it states in the tax code letter that if the tax code is wrong to let HMRC know of any changes on line via your personal tax account, however, there appears no way to actualy do this unless I am missing something. I don't want to spend an hour on hold to get this changed.

I received a change of tax code letter in January saying that it had been estimated that I will owe tax on savings interest for the current tax year so my tax code was changing. This may be possible but until I receive my end of year statements I won't know for sure but I shouldn't because most of my savings are in a cash ISA. I have now received another tax code because it is estimated that I will owe tax on interest for next year. I haven't earned this interest yet but tax will be taken, plus, I will definitely not earn enough interest to put me over the £1000 allowance as I carefully manage my accounts. How can I get this changed as I should not be paying tax on money I am not earning.

Why do you think you would qualify for class 2 NI, this is for self employed people. If you want to voluntarily pay for missing years, then class 3 national insurance is the way to do this and the way everyone else, myself included has to do it.

I am in the same position, over 40 years of NI contributions, but I need 3 more years to qualify for a full state pension. This is because I have been contracted out for most of my working career and so not not paid full national insurance. The easiest way to achieve a full pension is to pay class 3 voluntary contributions for the extra 2 years. You can either pay a lump sum to complete missing years (you can go back up to six years) or you can pay monthly by direct debit for the current year and seeing as you have quite a few years to go to state pension age, this may be the better option.

I am currently filling gaps in my NI record because I was contracted out for most of my working life. I am 2 years away from state pension age (May 2026) and I will need another 3 years credits for a full pension. I can claim a full year for the year 2023/24 but not until November and there is currently around an 8 month processing window. This year will be added to my record before I reach state pension age, but the next 2 years credits will not be added to my record until after I start claiming my pension, 2024/25 around 3 months after and 2025/26 around 15 months after. Once these additional credits are added, will the additional pension be backdated?