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    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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pension advice re: how to cash in part pension at 55 yrs of age


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Please can someone advise me? My brother is 55 years old and has a personal pension policy, which is currently worth around £10,000. He is long-term disabled and in receipt of DSS bens. i.e.Income support,Disability Living Allowance.

He is looking for advice on cashing in part of this pension-but cannot find help locally and do not know Who can assist.

 

Please can anyone offer any advice on who we should contact? We have tried the company who holds his policy and and a number of Independant financial Advisers but none have been able to give assistance.

 

Many thanks,

katykatz:confused:

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Hi Katykatz,

 

The company he has the pension with should give him details of the options open to him, I would write to them and tell them exactly what you want and they will reply accordingly.

 

I can't see why an IFA can't help either, but there is a lot of work involved with Pensions and with the value of this one their fee may be too high.

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Dotty50,

Thanks very much for your advice and your time to respond to my query about my brother's pension. I think that I did contact the company Royal Liver who holds his policy-but they had said that my brother had opted to have his pension in 2020 and therrefore he could not taken any part of it until then. I only asked them on my brother's behalf because of the government ruling that opened up the option for people of 55 years cashing in part of pension. But, I believe the government has now withdrawn this option.

Though, I thought that some companies would "allow" pension policy holders to cash in at 55 years and not sure how my brother would go about transferring his policy from Royal Liver-an IFA explained that the costs of doing this would be too high for the amount of money my brother has.

I should have added this in my original query-but I had lost some of the papers and wrote in as my brother had been asking me to, without the full details, for that I apologise.

 

Thanks again,

katykatz

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Dotty50,

Thanks very much for your advice and your time to respond to my query about my brother's pension. I think that I did contact the company Royal Liver who holds his policy-but they had said that my brother had opted to have his pension in 2020 and therrefore he could not taken any part of it until then. I only asked them on my brother's behalf because of the government ruling that opened up the option for people of 55 years cashing in part of pension. But, I believe the government has now withdrawn this option.

Though, I thought that some companies would "allow" pension policy holders to cash in at 55 years and not sure how my brother would go about transferring his policy from Royal Liver-an IFA explained that the costs of doing this would be too high for the amount of money my brother has.

I should have added this in my original query-but I had lost some of the papers and wrote in as my brother had been asking me to, without the full details, for that I apologise.

 

Thanks again,

katykatz

 

Hello there.

 

I wouldn't dispute what Dotty50 has said and she's probably much more up to date than I am. But when I had dealings with this sort of plan, there were options for people in ill-health and for early retirement, I think.

 

Are you able to tell us what the policy document says about early or ill health retirement please? And can you tell us the name of the plan in case its terms are available on the internet?

 

I can see that an IFA would need to charge for the work involved in advising on this sort of transfer to another pension provider because the process is quite lengthy.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Re: My brother's pension query-thanks everyone who has given advice. My brother's pension details: the policy justs states that it is a "Personal Pension" and when we asked Royal Liver via Finacial Adviser (who gave this help with no charge) for a "Triviality Form" due to my brother's ill-health Royal Liver advised that they were unable to provide this form as the minimum age for triviality was 60 years-this was in October 2010. Thanks

Please can someone advise me? My brother is 55 years old and has a personal pension policy, which is currently worth around £10,000. He is long-term disabled and in receipt of DSS bens. i.e.Income support,Disability Living Allowance.

He is looking for advice on cashing in part of this pension-but cannot find help locally and do not know Who can assist.

 

Please can anyone offer any advice on who we should contact? We have tried the company who holds his policy and and a number of Independant financial Advisers but none have been able to give assistance.

 

Many thanks,

katykatz:confused:

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Hi Katy,

 

How and when did your brother take this out? Did he use a Financial Adviser?

 

Your brother should have full details in a policy schedule or something similar, if he hasn't, then he needs to write to RL and ask for copies and, as I said before, details of what options are open to him.

 

As said in previous posts, Pension advice is a very complicated and regulated area, which may be why you are finding it difficult to get help, however you should be able to find an IFA with a qualified pension person to take a look and give you some basic information for a small fee but you will need ALL the paperwork relevant to the plan.

 

Try alerting the site team to see if they can point you in any direction to someone on here who is qualified to assist

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If you live in the UK you can contact ‘IFA Promotion’ who will be able to provide you with a list of independent financial advisers local to your area. Their telephone number is 0800 085 3250 or you can go to their website http://www.unbiased.co.uk

 

 

Just had a quick look on the Royal Liver site, not much info there but did spot this for you if it's any help.

 

Or here

 

http://www.pensionsadvisoryservice.org.uk/

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Hello again guys. I'm really rusty on all this, but I thought 'triviality' was to do with the possible pension available being so small that it could be 'commuted' for cash. There are rules for this which I haven't looked at so far, but I would say they are nothing to do with being in ill-health. Of course ill-health would have to mean inability to work ever again, I think, rather than a temporary disability.

 

Ill-health in my view is not the same at all as triviality.

 

Can you help me here Dotty?

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hello again. Dotty, you've shamed me into doing this :).

 

Katy, here is a page from the Pensions Advisory Service that Dotty mentioned, about ill-health retirement. I hope it might help a bit.

 

http://www.pensionsadvisoryservice.org.uk/personal-and-stakeholder-pensions/stakeholder-pension-schemes/ill-health-retirement

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi Dotty50,

Thanks very much for all your time and help with this pension situation-really appreciate this. My brother took this pension out I beleive, in 1983/4. He did not get independant financial advice at the time, it was just that the company he worked for Arjo-Wiggins, were offering it to its employees-most of whom did take up the offer.

Un-fortunately, I am disadvantaged on many counts here-1. My brother does not have the original policy details 2. His ex-girlfriend burned all his possessions (including papers relating to his pension) in an 'amicable' break-up a couple of years ago and 3. I totally do not know what I am doing-as Financial matters are foriegn to me-so all in all...my brother has more hope of winning the lottery that he does'nt even participate in- than me sorting this out.

What I will do now tho' is contact Royal Liver as you advised and ask for a copy of his pension policy.

I do have trouble negotiating this site,as excellent and really helpful as it is, so please could you let me know how I go about contacting the site team? Thanks

 

Again thanks Dotty50 for your considerate and helpful advice

 

katykatz

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Hello again guys. I'm really rusty on all this, but I thought 'triviality' was to do with the possible pension available being so small that it could be 'commuted' for cash. There are rules for this which I haven't looked at so far, but I would say they are nothing to do with being in ill-health. Of course ill-health would have to mean inability to work ever again, I think, rather than a temporary disability.

 

Ill-health in my view is not the same at all as triviality.

 

Can you help me here Dotty?

 

My best, HB

 

Hi HB,

Many thanks for your time and help. The only Financial advice my brother received (last year, as it was free) :was to ask the company (Royal Liver) for my brother to cash-in part of his pension under the "triviality clause" as he had recently suffered a stroke and then another unknown brain trauma and because of these health problems, he could apply to cash-in part of pension through "triviality".

 

Appreciate your time with this problem Honeybee13-thanks

Katykatz

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Hi Katy,

 

Your very welcome, any questions just ask and if I can help, I will or many of the others on here.

 

To alert the site team, you just hit that little triangle at the bottom of the post (it will say report post when you hit it) but don't worry that's what it's for and the site team may be able to find someone to assist further.

 

However, without a copy of the pension you will not get anywhere so get that first and when you've got it, come back on here and let us know. You will need to write the letter to Royal Liver in your brothers name as they will not be able to release any information to you due to data protection but he could ask that you are put on their system as an authorised person to discuss it on his behalf.

 

 

Hi HB, I suggested the site team in case they knew of a pensions expert on here.

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Sorry HB, Its just something that Dotty50 advised that I might try alerting the site team to see if I can be directed to more help-though I must say-I have received tremendous help and advice here both from Dotty50 and you Honeybee-thanks a lot to you both!

Hello again. Why would you want to contact the site team here please? I'm confused.

 

My best, HB

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Great idea (about asking my name to go on their system,as authorised person on my brother's behalf) I shall put a letter together for Royal Liver asking for policy details and will include a letter signed by my brother authorising me to act on his behalf.

Shall get back in touch when I have this-and thanks for clarifying this for me-as I did not know where to start.

 

Thanks again for yours and Honeybee13's time and advice.

 

Sincerely,

katykatz

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Sorry HB, Its just something that Dotty50 advised that I might try alerting the site team to see if I can be directed to more help-though I must say-I have received tremendous help and advice here both from Dotty50 and you Honeybee-thanks a lot to you both!

 

Sorry, I missed that. I can't remember the last time, if ever, I saw a pensions expert here. My OH is a pensions bore, but doesn't deal with this type even when I can get him to comment. Dotty and I may be the best you can talk to for now, unless someone else turns up.

 

I would definitely speak to the PAS if you haven't already. It's free and I believe they know their stuff. There are so many different pensions and annuities out there these days that it's very confusing. My knowledge dates back to before many rule changes.

 

My best Katy and Dotty, HB

Illegitimi non carborundum

 

 

 

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Hello again ladies. I apologise if this has been posted before, it's from the PAS about claiming an ill-health pension.

 

Dotty I apologise again, but triviality and ill-health are not the same argument. If I go back to the last page to see what you wrote I shall lose this, so I'll post and then go back to check.

 

http://www.pensionsadvisoryservice.org.uk/personal-and-stakeholder-pensions/stakeholder-pension-schemes/ill-health-retirement

 

My best, HB

Illegitimi non carborundum

 

 

 

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Hi HB,

 

I've not mentioned triviality, I don't know anything about it myself! :???:

 

Only that an impaired annuity MAY be a possibility.

 

Very sorry about that, Dotty. I knew it had been mentioned, my mistake, it was LV.

 

So what are you planning to do, Katy? Sometimes with insurance/pension companies you need to be persistent and also gather as much information as you can to back your case or at least make them examine other avenues.

 

There's nothing to stop you contacting LV direct rather than paying someone to do it for you. Do you think you've had a full explanation from them, or has it been dribs and drabs of information?

 

My best, HB

Illegitimi non carborundum

 

 

 

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