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BANGKOK 19 February 2019 01:03
Terry2905

UK state pension

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HI everyone.

 

I will be retiring (hopefully) to Thailand in December 2022.

 

I am a UK citizen, and my UK state pension will become due in May 2024.

 

But I have looked at the UK state pension claim form https://www.gov.uk/government/publications/guidance-on-claiming-a-state-pension-if-you-retire-abroad, and I can't answer all the questions! It is asking for my full life history!

 

I can't answer most of it!

 

I don't know/remember the exact address where I was born! I can't remember every address I ever had in the UK! I can't give employment details of every employment I ever had in the UK or abroad, with staff number!

 

I need help!

 

How did you fill out that form, to get your UK state pension paid to a Thai bank?

 

It is still a few years before I retire to Thailand, but I want answers?

 

The simple question is how to get your legal entitlement to your UK state pension, if you cannot give your full life history to the DWP!

 

I don't know my address in the UK where I was born! But that is a required field on the UK state pension application form! All my UK addresses where I have ever lived in, with dates? I don't know/can't remember!

 

Every employer I have ever had, with full address and employee number? I don't know!

 

Impossible to fill in that form!

 

Marriages and divorces, with original forms also?

 

But that is what the UK pension claim form asks for!

 

So how do I get my legal UK state pension, when I cannot give my full life history?

 

 

Edited by Terry2905

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Is your address at time of birth on your Birth Certificate?

 

And if you miss a few UK addresses, will anyone know?  I must have moved home over 30 times due to my Forces childhood, University then moving for work, I only know about 4 of these addresses!

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You might be better off considering having your pension at least initially paid into a UK bank if that is an option. In fact there are a number of reasons why it might not be a good idea to have burned one's boats on retirement. On the other hand you might already be non-resident and have de-facto residency elsewhere. It won't be Thailand.

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Why do you want to tell them that you are retiring abroad, just makes things more difficult?

 

 

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I would make a start by logging on to getting your State Pension Forecast. You can also download your full national insurance record. You will have to create a GOV.UK Verify account, if you don't have one already.

GOV.UK Verify

https://www.gov.uk/government/publications/introducing-govuk-verify/introducing-govuk-verify

 

https://www.gov.uk/check-state-pension

 

A lot of the form may be verification of identity, the more evidence you can build up whilst connected in the U.K. the better, as Verify will validate you against you credit record and bank account information etc........

 

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Suggest that you obtain your pension before moving to Thailand

The most important number is your National Insurance number.

From that they know all about you

The address that they refer to will be your current UK address

When I applied I did not send my Birth Certificate-maybe they did not ask

 

Note If  you move to Thailand on a permanaent basis you have to declare this

You will be classed as non resident UK

 

This means that your state pension will never increase.

If you use the NHS you have to pay.

You will no longer receive the heating allowance

If you chose not to decare this then all correspondence will go to your UK address.

I am paid direcly into my UK bank

 

I think even now I can ask them to pay into my Thai bank

Obviously if they pay into your Thai bank -they know that you are a UK non-resident.

As a non resident you cannot open new UK bank accounts . Declaring yourself a UK non resident is easy.

Reversing your status at some later point in the future -is not.

 

 

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I filled in the form as much as I knew regarding addresses etc and then in the "other information" box, I stated that I had forgotten some of my previous address information.

 

For birth certificates, marriage certificates, you can apply for copies - not too expensive and very efficient service.

 I submitted the form and my pension was confirmed within 10 days. Fantastic and efficient british bureaucracy at work!!

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4 hours ago, johnwf1963 said:

I would make a start by logging on to getting your State Pension Forecast. You can also download your full national insurance record. You will have to create a GOV.UK Verify account, if you don't have one already.

GOV.UK Verify

https://www.gov.uk/government/publications/introducing-govuk-verify/introducing-govuk-verify

 

https://www.gov.uk/check-state-pension

 

A lot of the form may be verification of identity, the more evidence you can build up whilst connected in the U.K. the better, as Verify will validate you against you credit record and bank account information etc........

 

Found that impossible to do. Experian wasnt enough and couldnt give anything else except passport

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11 hours ago, Terry2905 said:

I can't answer most of it!

Just answer what you can.

I could remember everything they asked.

Have you any family that can help you with your bad memory.

The National Insurance number is the most important they can check employment contributions and then work out how much you get. 

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On 2/13/2019 at 5:40 AM, Delight said:

As a non resident you cannot open new UK bank accounts .

Yes you can. Several banks will open accounts for non-residents, subject to normal KYC rules.

 

There is no blanket government prohibition on non-residents opening UK accounts. It is entirely up to the bank.

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1 hour ago, KittenKong said:

Yes you can. Several banks will open accounts for non-residents, subject to normal KYC rules.

 

There is no blanket government prohibition on non-residents opening UK accounts. It is entirely up to the bank.

 

 

Can you name them.

 

My last research evidenced that non-residents could not open an account with any of the mainstream banks. Transferwise Borderless account was the only provider I found that allowed an account to be opened with an overseas address.

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