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Hello, I am Keith, one of the experts on Just Answer, and pleased to be able to help you with your question.
I see that you have been indulging in tax avoidance, however the NI Threshold is well below the Income Tax (IT) one so you may well have been unwittingly paying these contributions. Have the relevant office in Newcastle been sending you letters warning you of a lack of contributions? If not then it is highly likely that my surmise that when you were on the company payroll you may well have been contributing. I would advise you to check by getting a state pension forecast at gov.uk/state-pension-statement or by telephoning 0845 3000 168
The position for ladies in your position is exceedingly complex and I should advise you to read this web site very carefully as it throws much light on your situation:
I do hope that I have been able to point you in the right direction for more comprehensive guidance.
Thank you for your support.