Correct. My wife had 41 years, started work at 19, retired at 60. The gap was from non-payment between age 60 and 66. At the time this was easily checked on the .gov.uk website.
Log in, request the illustration. If one is short of years there is a button to click which shows the missing years. In my wife's case whenever I checked it the years would be post her retirement and would increase the longer she was retired.
Prior to reaching SP age we called the DWP who confirmed the years which needed to be purchased.
I know you're right about 35 qualifying years. I think this means literally that, one "qualifies" or is entitled to SP. The value though is a different and determined by the DWP based on contributions. In my mind it's a common misunderstanding. My knowledge is only through having checked many times as we waited for Mrs P's SP to be available. This is why I suggest ebiker double-checks.
Many years ago I checked and I was told that I had full contributions as I had 40 years - so no problems with pension
SInce then I have checked again - just to see - and found out that I was behind and would NOT get a full pensions
because I have not contributed since I retired so I am supposed to pay that as well
Oh - and another thing
My wife wants to check he pension stuff
but to do so she needs to log onto the government gateway
which she can;t as she doesn;t have the necessary documentation
She has a passport and she has an NHS pension and all the details
but that is not enough
apparently she has to ring the help line and they can talk her through it but she has tried that once and got nowhere
it does seem to take some effort and determination to get it all sorted at times
Things are not always how they appear - best to check - then check again