Hi Al! Yes, it is all part of the Mega Pensions Raid, waged by polis who have seen the £££ saved by most of us! It is no joke, they know we are a soft target. I have no doubt that, in 10 yrs, I will not get a penny of my fully NI paid "State Pension" because, it will be means-tested.
No question, look at the Ladies, they have lost over £50,000 due to changes in the last few years!
IMO, there is no point whatsoever in buying State "qualifying years" or maybe, even buying a pension!
OAP