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Hi thank you for your message, please note that I will look to provide an accurate but nevertheless speedy reply to your inquiry. I am sorry to hear about your situation but I will endeavour to help you today.
It does not sound like you were misinformed, do you have confirmation you need not pay the premiums in writing? What is the paperwork concerning the fact you are not working as a carer?
I think you will need this looked into unfortunately this is not something we can do on this platform, my suggestion is you refer it to the pensions advisory service who can then look at the paperwork you have been sent and decide if there is an issue, they can be contacted here: https://www.moneyhelper.org.uk/en/pensions-and-retirement?source=tpas
Or on 0800(###) ###-####/p>
I trust this assists