Welcome to This Is Money Podcasts. I'm Georgie Frost and joining me and Simon Lambert today is Tanya Jeffreys.

And coming up, state pension top ups are in dire need of an overhaul, says, are somewhat overworked Tanya.

So is a new online service being launched in the spring, The Answer. Simon explains what on earth's going on in the bond market. The premium bond gift worth almost £100 in today's money when it was given is worth next to nothing. Now, we'll discuss that and we do love a neighbourly dispute this time cameras in the back garden don't

forget getting step to date with all the latest breaking money news just go to this ismoney.co.

uk or download the app don't forget you can stay on top of what's going on in the markets

by tuning in to the digest and invest podcast by itara go to your regular podcast

platform and listen on the go.

Digest and Invest by Itoro, the podcast for those interested in trading and investing.

But first, a new online service for buying state pension top-ups will be launched by the spring.

It comes after a deluge of complaints that the current system is confusing and takes too long to process payments.

Now, buying top-ups can give a generous boost to your retirement income if you buy the correct years on your record.

But the system is run jointly by the Department for Work and Pensions and HMRC.

So horror of horrors, you have to currently deal with both of them.

Tanya, I can't imagine anything worse. Just to let the dear listeners into a little secret.

We were talking about this before we went live on air, Tanya, and how many complaints you are getting at the moment, which is why I say you're somewhat overworked, because this is such a big issue at the moment.

Before we get into the fact that you're having to do the government's work for them, what are state pension top-ups?

Why would you buy them? How does the system work?

Go? They do give a good boost to your state pension and they fill gaps in your record,

basically, either part years or four years that you haven't earned towards your state pension.

Why might you have those?

Is it perhaps mothers having children?

Anyone could have gaps in their record for lots of different reasons.

...