hmrc kak

[heka]

Hi everyone. I am wondering if there are any expats here. My problem-I lived a long time in germany & payed into the german tax system. I made the assumption that when I came back to uk my funds would be automatically transferred to the GB pot, this is not the case & I have a substantial deficit in insurance stamps payed. I am 49 yrs of age & have only a full 10years toward my pension. I think the answer is to fund my own private pension to make up the deficit, but I am hoping someone may have some advice as they were or are in the same boat.

[ostell]

You should receive a pension from Germany for the payments you made there. My wife is in that situation, before we married she lived and worked in France. She receives a reduced UK state pension but also a small (and I mean small!!!) pension from France.

Have you asked for a pension estimate