Penmores is an independent company, not part of HMRC or DWP. You can apply to HMRC yourself for free.
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Our fee, in plain numbers.

36% of the back payment you receive, including VAT. That's 30% plus VAT. Nothing upfront, and nothing at all if no money is paid to you.

Fee calculator

£
Back payment to you
Our fee
You keep

What we charge on

  • Backdated State Pension arrears paid to you because of our work
  • Worked out after any deductions DWP makes

What we never charge on

  • Your weekly State Pension going forward
  • Pension Credit
  • Anything, if no back payment is made

Examples

Worked out from our 36% fee. Your back payment depends entirely on your record.

Back paymentOur fee before VATVATOur fee in totalYou keep

Paying us

DWP pays any back payment straight into your bank account. We never receive your money and never ask for your bank details.

Once you've had DWP's letter confirming the back payment, we send you an invoice. You can pay by bank transfer, card over the phone or cheque, and we can agree a payment plan if that helps.

Changing your mind

You have 14 days after signing up to cancel, at no cost.

You can do this for free

Anyone can apply to HMRC for missing HRP, online, by phone or by post, without paying anyone. Our service is for people who'd rather we did the work.

Apply free on GOV.UK