Voluntary NIC Contributions based on incorrect advice

Many people like myself will be greatly hacked off at having done the "right thing" and made voluntary NIC contributions, particularly when they were made at a time when we were particularly cash-strapped.

However my complaint isn't regarding that issue but I feel doubly aggrieved because a major reason for paying the contributions was based on incorrect information given to me by the advice line.

Before deciding whether to make NIC payments I requested a forecast and finding the forecast difficult to follow I subsequently spoke to the section. The main point of interest for me was that my wife had virtually no contribution record and whilst contributing in my own name seemed attractive, what was of particular interest to me was that she would receive a pension based on my own contributions when she reached 60. My wife and I are exactly the same age - I'm just a few hours older. When I called the enquiry line I gave them both our NI numbers and fully explained that it was this aspect I was enquiring about. Based on the advice that she would receive a better pension at age 60 if I made voluntary contributions to enhance my own record, I went ahead and made around 2000 worth of contributions over the years.

Recently I read on a Government Tax web site that in fact this advice appears not to be true and that she would only start receiving a pension when I start to receive mine. In other words, she wouldn't get her pension until both of us were 65. So the five extra years I was advised she would receive as a result of my contributions was incorrect.

Is there any chance of me receiving a refund on the basis of the advice line providing incorrect advice?

I have legal and tax insurance which might be my next port of call if there is any likelihood at all of success.

John

Reply to
John Hunter
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As far as I am aware, it has *never* been the case that a wife can receive a pension based on her husband's contributions *before* the husband reaches pension age. If you think that the helpline told you otherwise, there must have been a misunderstanding between the question they were answering and the question you *thought* they were answering.

Was this purely a telephone conversation, or have you got anything in writing? Did you record the conversation?

Unless you have some concrete evidence of what they told you, you haven't got a hope in hell!

Your voluntary contributions will presumably increase *your* pension, plus your wife's pension based on your contributions - when she eventually gets it. Whether or not the increases represent good value for money in relation to the extra contributions, heaven knows - but I doubt it, unless you both live to be 100!

Reply to
Roger Mills

It is normal practice for these kinds of phone calls to be recorded. op should launch a complaint, maybe also serve a subject data access request.

Daytona

Reply to
Daytona

Even so, how long are such recordings kept? My impression is that all this will have happened several years ago.

All the odds are stacked against the OP. Even if the recording exists, it isn't going to be in the interests of the DWP (or whatever they were at the time) to 'find' it - unless it proves conclusively that their advice was correct and that the OP mis-interpreted it.

Reply to
Roger Mills

I think that DWP helpline don't give financial advice, and any action you take is your own responsibility. They are not bound by FSA regulations on financial advice. You can ask for reimbursement of Class 3 contributions, but there is no automatic right to a refund and each case is looked at individually.

Alec

Reply to
Alec

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