My pension is due to start early next year, so I checked Gateway to see my potential pension amount.
I need to buy 4 years of NI to get the full pension.
Eventually found the page to make payment, but needed to quote a UTR reference number, which I do not have.
Without this UTR it is impossible to buy missing NI years.
So although I want to pay, I cannot and my pension will be reduced because of it,