the PS pension is made up of the standard free for all state pension of 230 per week (11,960 per year), and on top of this i will get 153e, to make a pension of 20k per annuam (half salary), so only 20000-11960=8,040 is made up of my PS pension contributions of 13.5% of salary.
so lets say tou retire from the private sector, you still get your free for all state pension of 11,960 per year and what ever you put towards a pension yourself, just like the 13.5% we pay.
if your gripe is because you didnt open a pension, then its your fault, nobody elses. i still insist that you make your way to personal issues as the keyboard hard man is old new now.