I have desperately been trying to call the pension helpline for MONTHS now, but just keep getting cut off! The phone message says "don't leave it until near the deadline", but I am not holding much hope as I expect it can ONLY GET worse, as people become more desperate. In the meantime, I will be unable to make the voluntary contributions that may be required. This is a Lose Lose situation. Things haven't been this dire since the Great War. So much for progress. This is very serious as thousands of people will miss out, meaning even MORE future poverty in our empty pocket society.