My disability 利益 hasn't 保護するd my NI 記録，記録的な／記録する and I'm 18 years short 予定 to 行方不明の credits: STEVE WEBB replies

• e-mail

明言する／公表する 年金 error: HMRC sent me to the DWP's International 年金 Centre, which told me to （犯罪の）一味 the?Jobcentre in Annan, Scotland, about my 行方不明の NI credits

I'm at my wits end trying to sort this out. I'm nearly 72 and the 強調する／ストレス is unbelievable.

I have (結局) received a letter from HMRC 説 there is a gap of 18 years in my NI 記録，記録的な／記録する, starting from 1995 (when I was in 領収書 of Invalidity 利益 as it was then called) to my 明言する／公表する 退職 age of 62 in 2014.

Throughout these 18 years I was in 領収書 of IB which became Incapacity 利益 as I had a 完全にする mental health 決裂／故障 and could no longer work.

The NI credits for these 18 years were never put on to my account so my 明言する／公表する 年金 is low.

The letter from HMRC told me to 接触する the International 年金 Centre which I did, and I received a reply 説 that I needed to 接触する the Jobcentre in Annan, Scotland, where I was living for a time.

I duly 接触するd the Jobcentre and they had no idea what I am talking about. I am not really surprised as it is now 29 years ago. They could not even bring up my 詳細（に述べる）s on their 審査する using my NI number.

They told me to 持つ／拘留する and then 削減（する） me off (this is after waiting 45 minutes to get through at all).?

The 選択s when （犯罪の）一味ing them do not 含む a 部類 for my query so it was just luck getting to speak with someone at all.

I have read on This is Money that it is the 責任／義務 of HMRC to keep 記録，記録的な／記録するs of NI for 無能にするd people (and others) but they say not.

Is there ANY possible way you can help/advise or direct me to what I should do now??

This has been going on for over 12 months now and the 強調する／ストレス and worry is unbearable at times.

I also feel that perhaps this is another 'can of worms' with people losing out on their 年金. I already lost out 予定 to the changes in the age when 明言する／公表する 年金 was paid (地雷 was 62 instead of 60).

I am wondering just how many other 無能にするd folks are losing out which hasn't been queried yet as they are too 貧しく.

I know you are incredibly busy but if you could advise me その上の in any way I would be so 感謝する. My income is low so I need everything to get by.

Thank you in 前進する for all you do to help people.

SCROLL DOWN TO FIND OUT HOW TO ASK STEVE YOUR PENSION QUESTION

Steve Webb replies: I was very 関心d to read of the problems you have had in getting your 国家の 保険 記録，記録的な／記録する sorted out.

I 嫌疑者，容疑者／疑う there are many people in the same 状況／情勢 as you, and I hope that this column will encourage more people to check that their NI 記録，記録的な／記録する is 正確な for periods on 利益.

By way of background, people who are unable to work ? for example, because they are 失業した or sick - can get 'credits' to 保護する their 国家の 保険 記録，記録的な／記録する.

These credits should be awarded automatically if you received one of the に引き続いて benefi ts (a fuller 名簿（に載せる）／表（にあげる） and explanation of the 支配するs can be 設立する at: 国家の 保険 credits: 適格（性）).

Got a question for Steve Webb? Scroll 負かす／撃墜する to find out how to 接触する him

- Jobseekers Allowance (JSA)

- 雇用 Support Allowance (ESA)

- Invalidity 利益 / Incapacity 利益

- Maternity Allowance

- Carer's Allowance

- 全世界の／万国共通の Credit

- Working 税金 Credits (in 確かな circumstances)

When the system 作品 正確に, DWP should 通知する HM 歳入 and Customs that so meone has spent a year on a 関連した 利益 and HMRC should スピードを出す／記録につける this as a year of credits on your NI 記録，記録的な／記録する.

At 退職, DWP then uses HMRC's 記録，記録的な／記録するs to work out your 明言する／公表する 年金 entitlement.

Unfortunately, when something goes wrong, it can be very hard to get someone to take 責任／義務.

Although your NI 記録，記録的な／記録する was incorrect this may have been 予定 to a 失敗 by DWP to 通知する HMRC that you were on 利益 all these years.

You have 示唆するd that things might have gone wrong when you were moved from Invalidity 利益 to Incapacity 利益 in the 1990s.

If so, putting it 権利 is therefore the 責任／義務 of DWP. But it is ridiculous to 示唆する that you should somehow ask the Jobcentre where you were living several １０年間s ago for help with this, 特に as you now live outside the UK.

When I 接触するd DWP on your に代わって it 認める that there was an error here and 通知するd HMRC that your NI 記録，記録的な／記録する needed to be updated.

You told me you were in 'shock and 不信' when you got this news as you had 大部分は given up.

Since then, DWP has now recalculated your 明言する／公表する 年金. You have received arrears of around £7,000 and your 週刊誌 明言する／公表する 年金 has risen from £201 to £218.?

One 利益／興味ing thing to be aware of is that time on 確かな 利益s since 2002 does not only count に向かって your basic 明言する／公表する 年金 but also gives you some entitlement to the 明言する／公表する Second 年金.

This means that even people getting a 十分な basic 明言する／公表する 年金 should be checking their NI 記録，記録的な／記録する because they may be 行方不明の out on 付加 明言する／公表する 年金.

Anyone who wants to check their 国家の 保険 記録，記録的な／記録する can do so either 経由で the HMRC website Check your 国家の 保険 記録，記録的な／記録する or the DWP Check 明言する／公表する 年金 場所／位置.

If you were on one of the 利益s 名簿（に載せる）／表（にあげる）d above for a whole 財政上の year then that year should show as a 十分な 'qualifying year' に向かって your 明言する／公表する 年金. If it does not, then you should 接触する DWP and ask it to 通知する HMRC of the error.

Last year, This is Money helped to 最高潮の場面 the fact that 潜在的に millions of people on 全世界の／万国共通の Credit had gaps in their NI 記録，記録的な／記録する because credits were not 正確に 記録，記録的な／記録するd.

DWP says that it is 直す／買収する，八百長をするing that problem and played it 負かす／撃墜する on the basis that many people on 全世界の／万国共通の Credit are not yet at 年金 age.

But in your 事例／患者, you have been retired for a １０年間 and we are talking about errors going b ack to the 1990s. In this 状況／情勢 it is a 事柄 of 緊急 that errors are 訂正するd and I'm pleased that this has finally been done.

When I asked DWP for a comment, a spokesperson said: 'Your reader has been 知らせるd of her 増加する in 明言する／公表する 年金 and was 問題／発行するd arrears of £7,095.46 covering the period 6 March 2014 to 1 May 2024. We apologise for the inconvenience 原因（となる）d.'

For other readers, we would be 利益／興味d to hear if you find gaps in your 記録，記録的な／記録する for periods on 明確な／細部 利益s, and how you get on when you raise this with DWP.

Are NI credits 行方不明の from your 明言する／公表する 年金 記録，記録的な／記録する??

Check your NI 記録，記録的な／記録する, and your 明言する／公表する 年金 予測（する） if you have not yet reached 明言する／公表する 年金 age.

If you believe credits are 行方不明の, here are the 関連した 接触する 詳細（に述べる）s.

DWP's 未来 年金 Centre (if you are under 明言する／公表する 年金 age)

DWP's 年金 Service (if you are already getting a 明言する／公表する 年金)

Please also 令状 to This is Money and tell us your story: pensionquestions@thisismoney.co.uk.

Put NI CREDITS in the 支配する line and 含む which years you think are wrong on your NI 記録，記録的な／記録する and why you should have received credits.

Unfortunately we cannot 答える／応じる to everyone, and if you are not getting a 満足な 返答 from the DWP you can 接触する your MP and ask them to step in.

Find your 地元の MP and their 接触する 詳細（に述べる）s here. Steve Webb, a former MP and 年金s 大臣, 申し込む／申し出s tips on how to get help from MPs here - scroll 負かす／撃墜する to the third box in the story.