Same problem here. No passport, never held a credit card so would have to phone them. I’ll just take my chances and accept what I get. It’s only just over 8 months away now anyway.
You can still pay back years
Best to ring them up and see - they are very helpful when you get through
Oh - and phoning the pension people to check it out doesn;t requite much ID - it is the online version and the online payments system that is a pain in the whatsit!!!
I found that paying a lump sum now results in an increase that will pay it back within a few years
so well worth it if you plan on living for a while yet!!!
just phone when you have some time to spare on hold!!
best hurry upthough - once you claim it you're pension is fixed!