Aardvark
Non-gamer
Living in soggy 22 and still wondering what's going on.
Posts: 2,172
|
Post by Aardvark on Sept 17, 2022 19:17:40 GMT 1
It serves to show one is not blindly accepting a shitty situation. To do nothing or say nothing just encourages those who would exploit us to carry on.
|
|
|
Post by cernunnos on Sept 17, 2022 19:30:04 GMT 1
Who is exploiting whom?
Immigrants moved to France to be better off ? Now the pound is floudering , or some such, those that are still dependant on the UK will suffer?
|
|
Deleted
Deleted Member
Posts: 0
|
Post by Deleted on Sept 17, 2022 20:29:38 GMT 1
I don't think there's any doubt he means that we, the immigrants included, are being exploited by the imperial masters. Our supposed representatives have exploited the system to exploit us and to gain personally. They are not in a cost of living crisis and they don't seem too bothered about the rest of us. Parliament is in recess until 17 October. That's shocking.
|
|
|
Post by houpla on Sept 17, 2022 20:33:47 GMT 1
Who is exploiting whom? Immigrants moved to France to be better off ? Now the pound is floudering , or some such, those that are still dependant on the UK will suffer? What about the immigrants who moved to France because, at the time, money and consumerism wasn't the God /religion that it is in the UK? What about those who did their sums based on reasonable expectations only to see the goalposts changed over and over again by UK politicians? What about the immigrants who are now suffering as a result of being 're-classed' because the French government and administration are delighting in getting their own back for Brexit? Hmmm?
|
|
|
Post by houpla on Sept 17, 2022 20:35:35 GMT 1
Parliament is in recess until 17 October. That's shocking. Is it though? At least the B******s aren't doing even more harm when they're on holiday!
|
|
|
Post by cernunnos on Sept 17, 2022 20:38:34 GMT 1
Who is exploiting whom? Immigrants moved to France to be better off ? Now the pound is floudering , or some such, those that are still dependant on the UK will suffer? What about the immigrants who moved to France because, at the time, money and consumerism wasn't the God /religion that it is in the UK? What about those who did their sums based on reasonable expectations only to see the goalposts changed over and over again by UK politicians? What about the immigrants who are now suffering as a result of being 're-classed' because the French government and administration are delighting in getting their own back for Brexit? Hmmm? Hmmmmm indeed!
What about those that don't blame others for their own mis judgements !
|
|
|
Post by houpla on Sept 17, 2022 20:45:27 GMT 1
So you'd call being robbed of seven years-worth of pension 'a misjudgement'? Interesting definition...
|
|
Deleted
Deleted Member
Posts: 0
|
Post by Deleted on Sept 17, 2022 20:52:12 GMT 1
What about them and who are they? English, Welsh and Scots settled in France, certainly those with a functioning brain, have every right to lay the blame for current woes at the feet of the UK government and its enablers. Who else would you blame for the current mess?
|
|
|
Post by pcpa on Sept 17, 2022 22:16:33 GMT 1
What about the immigrants that moved to France, took what little (or lots) they had with them and decided to make a future in the new country with what they had, those who face up to and deal with their current woes (currency fluctuations) without blaming the country that they had left behind both in body and mind who appreciate that compared to many either in France or in the rest of the world they really have very little to whinge about?
|
|
|
Post by pcpa on Sept 17, 2022 22:24:39 GMT 1
So you'd call being robbed of seven years-worth of pension 'a misjudgement'? Interesting definition... My many missing pension years be they the UK state pension or lack of private pension were definitely my misjudgement, yes I could try to blame bad advice from my accountant etc but the responsability was mine.
The good news is that until April 2023 dependant one ones NIC contribution and employment history we have the opportunity to make voluntary NIC contributions to buy back missing years to get back to a full UK state pension.
For the years in France if what you were doing would have been considered self employed in the UK and that can include years not working for others but renovating your property/gîtes etc for future earnings then it will only cost £160 per year purchased which would be repaid within 9 months by the increased pension recieved.
|
|
Aardvark
Non-gamer
Living in soggy 22 and still wondering what's going on.
Posts: 2,172
|
Post by Aardvark on Sept 18, 2022 8:53:18 GMT 1
Interesting concept. Reminds me of the letters I used to get from the I.R. telling me that I was falling behind in contributions. Then informing me that if I paid £XXX I could make up the missing ones. They didn't explain where the money might come from. I had one year of unemployment benefit and had to live on £42 a week. When that ran out there was a small safety net from Social Security but that didn't cover my utility bills, let alone insurance, rates, etc. I ended up selling my house and living on the proceeds.
|
|
|
Post by houpla on Sept 18, 2022 16:48:59 GMT 1
Well the seven extra years I will have to wait to claim my pension were nothing to do with judgement, bad or otherwise. I paid a hefty lump sum to regularise my contributions and ensure a full pension, before moving to France. Then the goalposts were moved. Looking at the pension forecast now is something of a sick joke. I'm informed that I won't get a full pension because there are seven years contributions missing. Yes, the seven years-worth that HM Gov imposed once I'd left UK and wasn't eligible to contribute for, even if I could have afforded it! As for paying any more in...that's an even sicker joke!
|
|
|
Post by pcpa on Sept 18, 2022 17:11:10 GMT 1
I think you may mean that you had made a lump sum payment to give you the then 30 years of contributions to qualify for a full state pension and that has since risen to 35 years?
Dont forget that the qualifying years were originally 40 years.
Mine is a similar situation, I had 24 or 25 years, not far short of the then 30 year requirement for which I was very gratefull to the UK government and at my then age it was possible that I may have returned to the UK to work for a few years.
The next time I looked I could no longer make voluntary contributions as over 3 years had passed since my last NIC contributions, so I was very very surprised to learn that now I can make payments going back to 2006 but have to do so before April 2023, it was only by chance that I found the info and its something that should be brought to the attention of anyone we know who could benefit.
I reckon they are now allowing the contributions that I was previously ineligible to make for precisely the reason that you cite, they have moved the goalposts again and those who had early retired with 30 years of contributions would no longer get the full pension.
I understand your distaste at making further contributions but if you are allowed then don't cut off your nose to spite your face, the class 2 contributions are an absolute bargain and no-brainer, if you read the form carefully you can work out what boxes to tick and what to say to get the lower rate, console yourself that it is still better than 40 years of contributions which it surely will be again soon and even more.
|
|
|
Post by tim17 on Sept 18, 2022 17:11:16 GMT 1
Well the seven extra years I will have to wait to claim my pension were nothing to do with judgement, bad or otherwise. I paid a hefty lump sum to regularise my contributions and ensure a full pension, before moving to France. Then the goalposts were moved. Looking at the pension forecast now is something of a sick joke. I'm informed that I won't get a full pension because there are seven years contributions missing. Yes, the seven years-worth that HM Gov imposed once I'd left UK and wasn't eligible to contribute for, even if I could have afforded it! As for paying any more in...that's an even sicker joke! I was in a similar situation in that when I left the UK I had at that time enough years of contributions to get a full pension upon retirement, spin on a few years and the changes meant I was five years short. Luckily, I have been able like pcpa to pay additional contributions at a low rate so when I get to 67 I'll have a full pension unless of course the goalposts get moved again.
|
|
|
Post by pcpa on Sept 18, 2022 17:21:41 GMT 1
Interesting concept. Reminds me of the letters I used to get from the I.R. telling me that I was falling behind in contributions. Then informing me that if I paid £XXX I could make up the missing ones. They didn't explain where the money might come from. I had one year of unemployment benefit and had to live on £42 a week. When that ran out there was a small safety net from Social Security but that didn't cover my utility bills, let alone insurance, rates, etc. I ended up selling my house and living on the proceeds. Looking through my files I found some of those letters, how I wish now I had made the payments because they were next to nothing, you can't put an old head on young shoulders though!
When you claim unemployment benefit or income support you get an NIC credit, because of this people who have never done a days work in their life end up with a full state pension!
I have been living on my French savings since Covid began, I have now sold my UK house (last Friday!) to continue doing so until I reach state pension age.
If I am able to purchase the missing years I will consider myself very fortunate, it will mean a 40% increase in pension.
|
|