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Good morning dad's.
I pay CMS. I am a PAYE employee. I pay Direct Pay.
Those who are familiar I am convinced CMS do not include my pension contributions under THE RAS arrangement my employer uses.
This is because my pension contribution isntakej after tax ajd the pension scheme claim bacl the 20% paid tax, therefore if CMS are using gross pay surely this will mean they are not taking my pension contributions into consideration?
I hope this makes sense and any guidance would be helpful.
Hello,
With pension contributions relived at source. You have to apply to have them taken into account. They do not account for them automatically.
Send a copy of your pension statement for the relevant tax year. With a cover letter.
The RAS contributions are then subtracted as a weekly average on the contributions from the CMS weekly gross income figure. And the liability calculation is recalculated.
The sum is modular. So pension contributions can be accounted for at any time (for the relevant tax year on historical income).
If they say they only account for them at review, or they are accounted for in figures provided by HMRC they are being disingenuous.
I hope this helps.
@dushisbest thanks for your reply. To clarify further I have been in contact a numerous of times and they always say its my workplace pension amd RAS pensions are automatically accounted for but as you rightly said I think it isn't the case.
I have sent them my contribution statement all the way back to 2020 and started a complaint.
Im 1000% sure its not being included. They are buying incompetent.
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