I could really do with some advice. My head is all over the place. I started teaching in 2002. I opted out of the TPS in my first year because I couldn’t afford the payments. I moved counties in 2005 and my new employer started taking TPS payments right away, and I’ve been paying up until 2018 when I moved abroad to teach. Between 2005 and 2018 I taught in two other counties (four in total). A couple of weeks ago, I got a message to check my pension account, so I did. Long story short, I have been “opted out” my entire career and have zero contributions. How on earth can I prove that I was making payments 15 years ago?! I certainly don’t have any records going back that far, and I don’t imagine the councils will either. I messaged TPS but they basically said there’s nothing they can do as it was my employers responsibility. What do I do?! It honestly feels hopeless right now. I don’t have a U.K. union (although was a member the whole time I was in the U.K.) or a U.K. employer to apply to opt in. Do I just need to accept that this money is gone and that I won’t have any pension at all?? Please help. It’s been such a shock.