• Content count

  • Joined

  • Last visited

Community Reputation

196 Excellent

About GaryC

  • Rank

Profile Information

  • Location UK
  • Nationality British
  • Hometown Swindon
  • Gender Male
  • Year of birth 1959

Recent Profile Visitors

2,170 profile views
  1. I don't disagree.  I think the logic, such as it is, is that Class 2 provides access to fewer benefits etc than Class 3.  I am not sure of the whole list but while you get access to qualifying years for your pension, you don't get access to others.  Still doesn't make a whole lot of sense though...   
  2. I don't think there is any logic.  Similarly, if you are self-employed in the UK you pay Class 2 (and Class 4) NIC. The former is £3.05 per week; the latter a percentage of your income to bring you closer to what an employee would pay.  But, if you are below the payment threshold and make voluntary NIC payments, then as a self-employed you also pay Class 2.  Compare that with and employee, who has to pay Class 3 if they are below the threshold and want to top up their record.  
  3. Not a Brexit issue.  Booklet NI38 sets out who can pay Class 2 when living abroad. You can pay Class 2 NICs if you’re employed or self-employed abroad and if you satisfy the following conditions. 1. You’ve lived in the UK for a continuous 3-year period at any time before the period for which NICs are to be paid*, or 2. Before going abroad you paid a set amount in NICs for 3 years or more (this will be checked when you ask to pay Class 2 NICs*), and 3. In addition to conditions 1 and 2, you must also, immediately before going abroad, have been ordinarily an employed or self-employed earner in the UK. If you don't qualify for that, then it's Class 3.  
  4. There are various numbers for HMRC.  The one I gave is the "direct" line to the NI teams but they all/generally start 0300 200.  7 numbers is right.  
  5. Computers - only as good as those who programme them.  On a serious not, I don't know quite why the annual reconciliation and allocation of voluntary payments takes so long but my guess would be that stuff is transferred and reconciled between various aging back-office computer systems that have to talk to more up-to-date ones like self-assessment etc.  
  6. DWP are correct in that they cannot see the record until HMRC has allocated the payments.  I trust you called the HMRC NI Team on +44 300 200 3500?  And I assume Graham gave you his internal ID No.  which is 7 characters.  I am sure he will mail you good news in a few days.
  7. Apparently, it's taking up to 30 weeks to update the visible record after people make voluntary NIC payments.  Not sure why but probably linked to the fact that HMRC is administering the various Covid support packages, giving people general help and advice around tax/NI/Furlough/Grants in relation to Covid in addition to their normal role in that regard, and, of course, dealing with everything else employees/employers have had to do re Covid.      I think they have therefore de-prioritised this work.  For instance, everyone's NI record used to be updated by about July, following the end of the tax year in April.  Since Covid that has been more like September and having just checked mine while typing this it is still not done.  Also, I sent HMRC the German form for electing for unlimited tax liability treatment literally on 6 April as soon as the information for the tax year was cast in stone and received it back a couple of days ago, so about 23 weeks to stamp and return a form!  Again, probably not seen as particularly high priority in these busy Covid times - thank goodness the FA in Germany is "understanding of my plight"!   A lot of people on the HMRC Customer Forum  Customer Forums - Community Forum - GOV.UK (  have been asking why their record has not been updated for weeks/months after making voluntary payments and one helpful HMRC contributor admitted that it could take up to about 30 weeks at the moment.  I know it's easy to say but I would hang in there and leave it until about 6 months has passed before giving HMRC a prod.
  8. Entitlement to an S1 Form

    I have just been reading that in this format Regulation (EC) No 883/2004 of the European Parliament and of the Council of 29 April 2004 on the coordination of social security systems (Text with relevance for the EEA and for Switzerland) (, rather than just surmising, and it does seem to say that once one is a pensioner, i.e. past state pension age and therefore in receipt of a social security pension for one or more member states including the UK for this purpose, that it matters not what other income one has.  Good news for those with UK state pensions but also other (non state pension) income from one or both countries...  
  9. Entitlement to an S1 Form

    My understanding is that it is no German income, not just no German social security pension. 
  10. Entitlement to an S1 Form

    If your only income is the UK state pension then you are entitled to a form S1 and the UK picks up the tab for some healthcare costs - but not longterm care.  If you have any German income then that does not apply.  What is not so easy to fathom is what the position is if you have only UK income made up of UK state pension and a UK occupational pension.  I think the same should apply as the UK would be the competent institution but cannot find that written down anywhere...  
  11. There have been a number of mis-selling scandals in the UK since then, especially around this "point of sale" type insurance.  They are no longer allowed to try to force it on you or hide it away in the small print, thank goodness.  They now have to explicitly ask and if you say no, they have to just move on, whereas before there was always the pressure-sell if you said no!  
  12. I can live with that, lol
  13. Interesting.  You'd think it would be similar in each country, whatever the "best" system is...   That said, I don't know when the credit score agencies in the UK take a dim view of too many credit cards.  Not sure it as low as 2.  One thing I keep being "warned" about as a potential negative flag under the UK system is that I don't have a mortgage.  That's because I am old and have paid it off, rather than not having or being able have one.  There are crazy rules in all of these systems...  
  14. Having a credit card and using it responsibly will help boost your credit rating.  Also, if it comes with a card you don't want, just stick in the cupboard or cut it into pieces.  
  15. My experience is that interest in credit card purchases runs from the date of the expenditure to the date of payment if you miss the due date and incur interest at all.  So at the sorts of eye-watering rates credit cards charge, you could pay 3 or 4 Euro on a 100 Euro balance if you are just 1 day late in paying.  The less is, never pay anything less than the full balance.   My card charges a "mere" 12% but on a £600 balance they estimate £9 interest if you do not pay in full.  Leave it for another month and there's another £10 and so on...