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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:
grumpygrape · 13/07/2026 22:21

saraclara · 13/07/2026 22:17

FFS. Capita is also responsible for teachers pensions, and it's the same shit show for them. And no teacher or HT is responsible for that shit show, just as no civil servant is. How many times does it need saying that Capita is a private company?

Bbbbbut, it doesn’t matter because all Civil Servants and Teachers are overpaid, underworked, protected scroungers, so it doesn’t matter if a bloated private company screws them around and out of their dues for months/years.

Happyjoe · 13/07/2026 22:18

MissCooCooMcgoo · 13/07/2026 20:01

Thankyou, I'm honestly absolutely furious. All I am trying to do is wrap up her affairs and the red tape across the board is sickening.

I'm still waiting on probate being granted too (although thats only been 8 weeks) and I can do NOTHING without it. Soon, the council will expect council tax to be paid again after the 6 month reprieve. I cannot sell the house without probate and I cannot use her bank account to pay for any council tax or bills without it either.

I don't have two pennies to rub together so they're just going to have to whistle for it!

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.

saraclara · 13/07/2026 22:17

FFS. Capita is also responsible for teachers pensions, and it's the same shit show for them. And no teacher or HT is responsible for that shit show, just as no civil servant is. How many times does it need saying that Capita is a private company?

grumpygrape · 13/07/2026 22:14

This reply has been deleted

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Seriously, are you with the rest of us in this century ? Your views of Civil Servants are at least 30 or more years out of date.

UncharteredWaters · 13/07/2026 22:12

They were equally shit 20 years ago when my dad died.

grumpygrape · 13/07/2026 22:09

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 don’t know one CS front line worker who does it for the excitement.

BlackberryView · 13/07/2026 22:09

Deleted

grumpygrape · 13/07/2026 22:06

KateSixer · 13/07/2026 20:41

True but as I said above they take their lead from who pays them.

I know the CS inside out.

Front line workers = hard working strivers taking the stress of dealing with the public home every night.

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

I maintain you could halve the non front line staff, pay a bit more, and actually increase productivity. No one I've met in the front line disagrees with this!

I’m not sure what inside out you know but it isn’t true.

OneStarAwake · 13/07/2026 22:05

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!!

Yeah, I really enjoyed having shitty nappies plastered against the screen, people punching staff, being threatened and sworn at. It was great.

I fucked off out of it ASAP as did anyone else who was able to.

Btw if you cut back office it makes life much more difficult for frontline staff.

grumpygrape · 13/07/2026 22:04

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Codswallop

JHound · 13/07/2026 22:01

nomas · 13/07/2026 19:15

I didn't know Civil Service pensions are inheritable if you're an adult? Is it a lump sum?

Edited

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

grumpygrape · 13/07/2026 22:00

KateSixer · 13/07/2026 19:48

I am genuinely sorry for your loss.

I do though think we need a revolution in dealing with the insane inefficiency and internal job preservation in the civil service (and LAs too).

I hope that does not diminish my appreciation of your loss.

Edited to say that my beef is with management not front line workers!

Edited

Interestingly, when the inefficient, overpaid, underworked, tea drinking, newspaper reading, working from home, always on holiday, (have I missed anything ?) civil servants were running CS Pensions they were efficient.

Now, the outsourced, ‘value for money’, private company Capita have the contract very few recently retiring Civil Servants have had their lump sums or monthly pensions paid.

Whether you agree with the level of CS Pensions, and nowadays very few are as lucrative as the general public think, or not, to deny retirees their legitimate income is disgusting. Many won’t be able to claim their State Pensions yet and even if they did those SPs will be calculated based on their expected CS Pensions. My SP was reduced by 40% due to my opting out for CS Pension.

Oh, and CS internal job preservation is, in my view, an outdated concept.

Ineffable23 · 13/07/2026 21:57

MissCooCooMcgoo · 13/07/2026 21:50

Would that actually do any good though? They'd want all the gory details wouldn't they and I don't know if I can do that.

The broadsheets anonymise everything before they publish it and there's no "sad face" type affairs but definitely think HR are the best first place to try.

Example of the guardian's consumer champions article:

https://www.theguardian.com/money/2026/jun/08/scottishpower-cheques-late-brother-relatives?CMP=Share_AndroidApp_Other

ScottishPower sent six cheques addressed to my late brother

Bereaved relatives have been bombarded with calls, emails and letters addressed to the deceased

https://www.theguardian.com/money/2026/jun/08/scottishpower-cheques-late-brother-relatives?CMP=Share_AndroidApp_Other

Ithinkhesamerdog · 13/07/2026 21:57

KateSixer · 13/07/2026 19:48

I am genuinely sorry for your loss.

I do though think we need a revolution in dealing with the insane inefficiency and internal job preservation in the civil service (and LAs too).

I hope that does not diminish my appreciation of your loss.

Edited to say that my beef is with management not front line workers!

Edited

Capita (private co) administer the public service pensions so you shall we agree that inefficiencies apply to the private sector too?

MissCooCooMcgoo · 13/07/2026 21:51

LavenderOregano · 13/07/2026 21:44

@KateSixer your posts on this thread have been mind-bogglingly inappropriate. What on earth is wrong with you?

OP, have you spoken to your mum’s old HR department recently? HR can expedite applications with Capita if you let them know this is still ongoing. Death in service payments are a priority

Edited

No, I havent. I will attempt this tomorrow.

OP posts:
MissCooCooMcgoo · 13/07/2026 21:50

Pedant61 · 13/07/2026 21:44

They were bad last year, when I dealt with them, but have got much worse since Capita took over. There has been a huge amount of press coverage. It may even be worth contacting the financial pages of one of the broadsheet.

Would that actually do any good though? They'd want all the gory details wouldn't they and I don't know if I can do that.

OP posts:
MissCooCooMcgoo · 13/07/2026 21:49

KateSixer · 13/07/2026 21:44

I accept that my comments are tangential to the original thread and I apologise.

And yet, you persist.

OP posts:
KateSixer · 13/07/2026 21:47

Lumpycat · 13/07/2026 21:43

Brilliant. Civil Servants having a terrible time accessing the pensions they’ve earned and somehow it’s also their fault.

I am a non frontline CS and you’d probably be shocked at the level of responsibility I have for my salary.

Anyway. Good luck. Sounds like things are moving very slowly towards something like a viable service.

And I am sorry to you too because I totally accept what you say about huge responsibility at often an early age and low pay and not only in the SCS.

But if you are at that level then I think you should also acknowledge the truth of what I say!!

Pedant61 · 13/07/2026 21:44

They were bad last year, when I dealt with them, but have got much worse since Capita took over. There has been a huge amount of press coverage. It may even be worth contacting the financial pages of one of the broadsheet.

LavenderOregano · 13/07/2026 21:44

@KateSixer your posts on this thread have been mind-bogglingly inappropriate. What on earth is wrong with you?

OP, have you spoken to your mum’s old HR department recently? HR can expedite applications with Capita if you let them know this is still ongoing. Death in service payments are a priority

KateSixer · 13/07/2026 21:44

UnPetitDunPetit · 13/07/2026 21:41

But there are an awful lot of unproductive, time serving, costly, lazy, bureaucratic, quick to complain types too.

None of which has anything whatsoever to do with Capita's poor administration of the civil service pension scheme.

I accept that my comments are tangential to the original thread and I apologise.

Lumpycat · 13/07/2026 21:43

Brilliant. Civil Servants having a terrible time accessing the pensions they’ve earned and somehow it’s also their fault.

I am a non frontline CS and you’d probably be shocked at the level of responsibility I have for my salary.

Anyway. Good luck. Sounds like things are moving very slowly towards something like a viable service.

Cantthinkofadifferentname · 13/07/2026 21:43

KateSixer · 13/07/2026 19:48

I am genuinely sorry for your loss.

I do though think we need a revolution in dealing with the insane inefficiency and internal job preservation in the civil service (and LAs too).

I hope that does not diminish my appreciation of your loss.

Edited to say that my beef is with management not front line workers!

Edited

They are not Civil Servants it's been outsourced to Capita

UnPetitDunPetit · 13/07/2026 21:41

This reply has been deleted

Message deleted by MNHQ. Here's a link to our Talk Guidelines.

But there are an awful lot of unproductive, time serving, costly, lazy, bureaucratic, quick to complain types too.

None of which has anything whatsoever to do with Capita's poor administration of the civil service pension scheme.

Barney16 · 13/07/2026 21:40

Im sorry for your loss OP and I sympathise with anyone dealing with paperwork related to someone you love dying. My partner died a month ago, not CS, but I have been reduced to sobbing hysterically at the member of staff at the bank because I couldn't seem to navigate their system. It's brutal.