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Civil service pensions- what a fucking farce!

115 replies

MissCooCooMcgoo · 13/07/2026 19:13

My mum died in March. They were notified literally on the day by her manager. We are now in July and they have been the most unhelpful, frustrating people I have ever had the misfortune to deal with!

I called 4 weeks ago and they assured me they had everything from me they needed only to chase today to be told they want more information including my decree absolute from my first marriage? WHY do they need this information from 14 years ago?

My mum kept her information updated and they have me down as the beneficiary with my married name of the last 12 years.

Anyone else had to deal with this shitshow? They should be ashamed. All of this is hard enough as it is.

OP posts:
Katemax82 · 16/07/2026 19:24

MissCooCooMcgoo · 13/07/2026 19:22

Honestly the beurocracy is sickening. We'll be paying 5x as many people as we need to work a severely inefficient process.

And yes, there is a lump sum death in service payment.

My dad was a civil servant and died in 1992 I think his lump sum was about 20k for each of us 3 kids

MissCooCooMcgoo · 16/07/2026 19:04

Didn't get a callback, not really surprised.

Did get another letter asking for the same things again. That's 3 times i've been sent duplicated letters asking for information i've already sent and when I call they confirm they have!

I did however find out why they want mums decree absolute. Paid into a widower pension apparently so they need to confirm when the marriage ended.

Why all these government departments aren't all joined up i shall never know all these things are public record.

OP posts:
MrsShawnHatosy · 14/07/2026 10:34

I can certainly confirm that civil service pensions were efficient when in-house. I retired in 2019 and experienced no delays an all in getting my pension.

Rachelshair · 14/07/2026 10:24

KateSixer · 13/07/2026 20:50

Says an office wallah!

The adrenaline and immediacy of the front line makes it exciting. Whether it's on a counter or a fire engine. You never know what happens next. It's life.

You'd never understand!!

I think you need to take your baseless assumptions elsewhere love and stop derailing.

KateSixer · 14/07/2026 10:10

DeftGoldHedgehog · 14/07/2026 07:13

@KateSixer People have been remarkably polite in the face of your shitposting. Considering the number of deleted comments you have, I'm surprised you haven't been banned altogether as you are contributing only hatred and bigotry on a thread started by a recently bereaved OP.

I did apologise for thread drifting. My comments could and probably should have been in a separate thread.

However none of my comments including the deleted ones were abusive (unlike some I have received). People are obviously free to disagree. I don't actually know the exact reason some of my posts were deleted (irrelevancy to the OPs thread perhaps) but while some posters evidently found them contentious and objectionable (as is their right) they were not abusive (which is what I assume you mean).

Anyway no more from me on this thread.

Lumpycat · 14/07/2026 07:19

To continue the derailing. I have been in the CS for over 30 years. Yes it can be difficult to expel useless staff due to the raft of HR protections and there are some pockets of inefficiencies but the anti public sector brigade are very out of date. It’s very target and results driven in the several areas I work across.
If we’re using our own experience I will say that of my five siblings I was the only one to go to university. The others work in varied parts of the private sector. Three of them definitely have higher paid and more relaxed roles with far more benefits. So I’m OK with the over protective HR and unions and generous maternity benefits and pensions. Otherwise why stay?

OP. All the information coming from the Capita task team and pressure groups is about what ‘pot’ of applicants your claim has landed in. They are addressing backlogs according to which category and your category should be a priority one with some movement soon according to latest updates.
No point in trying to get an MP or consumer rights type champion on board. They already have thousands of escalations and it doesn’t appear to affect the process.

SparklyBrickViper · 14/07/2026 07:19

It’s an absolute shitshow.

Someone from my team retired in February and still hasn’t received their pension. An ex colleague retired (43 years service), and has just lost the house she was hoping to retire in because her lump sum payment hasn’t been calculated or paid; she’d given a year notice of her plans.

@MissCooCooMcgoo apparently there are a number of groups on Facebook who are really helpful and provide advice. Might be worth joining.

There’s a petition that’s doing the rounds as well - not sure it will make a difference but.

www.megaphone.org.uk/petitions/stop-the-civil-service-pension-crisis-bring-pension-administration-back-in-house?trk=feed_main-feed-card_feed-article-content

GoodkneeBadKnee · 14/07/2026 07:16

KateSixer · 13/07/2026 19:17

No wonder they cost us all so much!!

That didn't take long🙄

DeftGoldHedgehog · 14/07/2026 07:13

@KateSixer People have been remarkably polite in the face of your shitposting. Considering the number of deleted comments you have, I'm surprised you haven't been banned altogether as you are contributing only hatred and bigotry on a thread started by a recently bereaved OP.

DontKillSteve · 14/07/2026 07:03

This thread is classic.

A private company (Capital) are doing a shite job administering CS pensions.
Civil servants on the thread tell us it worked well when admin was internal.
It then turns into a pile-on about how the CS is inefficient and the staff lazy.

You couldn’t make it up! There is a terrible, inaccurate narrative in this country that public sector = shit and private sector = brilliant. It’s codswallop.

I hope it soon gets resolved for you op, it’s a disgrace.

Gengha · 14/07/2026 07:00

They are terrible. I’ve been trying to collate my pension info and even trying to create an account and log in was an absolute drama. So sorry you’re having to deal with this x

Zanatdy · 14/07/2026 06:57

TheClocksFast · 13/07/2026 20:40

Yes, and Capita didn’t pay for those extra staff. The taxpayer did. I think Capita has started to pick up the bill for the surge team now… I hope!

The government are claiming the cost back from Capita.

madaboutpurple · 14/07/2026 06:56

Is it worth letting your MP know about this?. It sounds terrible.

LavenderOregano · 14/07/2026 06:48

An article in the Times this morning. It does sound as if Capita’s approach to the backlog may be to keep asking irrelevant questions so that they can delay paying out, which fits with your experience, OP. It must be so distressing for you and everyone in the same boat.

www.thetimes.com/article/8a1f2bfa-4e9f-4924-a3f1-98605d0f7017?shareToken=596d761b3f49b323fa32f61f87989ac7

Sidebeforeself · 14/07/2026 06:33

KateSixer · 13/07/2026 23:19

Look I am not going to report your abuse although I'd be justified in so doing (I see you have now deleted the word fuck and replaced it with an *!)

Also this is the OP's thread and I accept that shortcomings in the CS are not the subject matter here.

But your statement that "I’m a CS ‘office worker’ and I’ve never met a bunch or harder working, intelligent and highly competent people" is risible.

Yes that applies to some very dedicated CSs but anyone working in the service (especially those with private sector experience) would have to be blind not to recognise that across the whole CS there are very significant levels of unproductive workers, inefficiencies and pointless projects.

Edited

Did you miss out on a CS promotion recently or something? You sound very bitter

TheClocksFast · 13/07/2026 23:37

Unless you know me, my office, my job and co-workers, you’re not actually qualified to comment on it, are you!

KateSixer · 13/07/2026 23:19

TheClocksFast · 13/07/2026 23:08

@KateSixer

“I know the CS inside out.

Office workers doing not so much slowly, counting the hours to home time. Actually not home time as they all WFH.”

The civil service employs over half a million people working in thousands of locations in a huge variety of roles. How could little you possibly know the WHOLE thing inside out? What ignorance and arrogance.

I’m a CS ‘office worker’ and I’ve never met a bunch or harder working, intelligent and highly competent people. There’s no option to ‘do not so much slowly’: we have high targets to meet in a very niche and very highly-skilled role. Everyone works VERY hard. Oh, and the pay is shite too.

I don’t know who you’re referring to but it’s not me nor my colleagues. (So go * yourself.)

Edited

Look I am not going to report your abuse although I'd be justified in so doing (I see you have now deleted the word fuck and replaced it with an *!)

Also this is the OP's thread and I accept that shortcomings in the CS are not the subject matter here.

But your statement that "I’m a CS ‘office worker’ and I’ve never met a bunch or harder working, intelligent and highly competent people" is risible.

Yes that applies to some very dedicated CSs but anyone working in the service (especially those with private sector experience) would have to be blind not to recognise that across the whole CS there are very significant levels of unproductive workers, inefficiencies and pointless projects.

NightsinthegardensofSpain · 13/07/2026 23:09

Sent too soon..
Sorry you are going through all this too OP

NightsinthegardensofSpain · 13/07/2026 23:08

My husband died last September and I only just heard from them regarding death in service payment and possible death benefit for our son last Saturday.
They had all the forms and documents by November. Said they had all they needed
Now in July they say they need something else...it's unbelievable.

I have had to fill in a financial hardship form with them as I can't work due to a long standing health problem .
The stress from chasing it up is terrible.

TheClocksFast · 13/07/2026 23:08

@KateSixer

“I know the CS inside out.

Office workers doing not so much slowly, counting the hours to home time. Actually not home time as they all WFH.”

The civil service employs over half a million people working in thousands of locations in a huge variety of roles. How could little you possibly know the WHOLE thing inside out? What ignorance and arrogance.

I’m a CS ‘office worker’ and I’ve never met a bunch or harder working, intelligent and highly competent people. There’s no option to ‘do not so much slowly’: we have high targets to meet in a very niche and very highly-skilled role. Everyone works VERY hard. Oh, and the pay is shite too.

I don’t know who you’re referring to but it’s not me nor my colleagues. (So go * yourself.)

YYURYYUCICYYUR4ME · 13/07/2026 22:55

They are not known as 'Crapita' for nothing!!

TheClocksFast · 13/07/2026 22:51

CasperGutman · 13/07/2026 20:26

Yup. Absolute chaos. I have former colleagues who've retired and have been surviving for 6 months or more on emergency loans from their former employers because Capita have got nowhere with paying out their pensions. And I have current colleagues who would have been former colleagues by now, but for the fact that they've seen the shitshow pensions debacle and decided to postpone their retirement until it's sorted!

I’m retiring in 7 years’ time - so I hope they’ve sorted it out by then!

MissCooCooMcgoo · 13/07/2026 22:31

Happyjoe · 13/07/2026 22:18

Apologies if already written, not seen the whole thread. Can apply for Class F exemption for the council tax, means no council tax until you have probate, then have 6 months to go before payment, as long as nobody is living in the house.

This is helpful, thank-you

OP posts:
KateSixer · 13/07/2026 22:23

Look I have apologised for being responsible for thread drift from the OP's original post. The adequacy or otherwise of the CS should be a separate thread.

I fully understand that Capita are private. But they work to a contract agreed with the CS. How demanding or well policed do you imagine that is?!

Inefficiency irritates me whereever it is!

I do think productivity in the CS is low. Everyone I know in a SCS role shared this view. I think many in lower grades recognize it too.

But apologies for what was not intended as a hijack but seems to have become one.

nomas · 13/07/2026 22:22

JHound · 13/07/2026 22:01

I thought all pensions were to named beneficiaries. (Defined contribution at least.)

Edited

Makes sense. I work in the private sector so hadn’t really thought about civil service pensions, but good to know more.

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