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    • oh well i wonder what new fake documents they have made up then...for them to try this.... just to check nothing funky like Link have filed an n244 to lift the stay and strike out her defence....she hasnt moved since last court comms has she?   is this an n24? bit unusual for a 13mts stay to just be lifted... has she not received anything from link/kearns in the last fw weeks like a docs bundle? bit like this thread... https://www.consumeractiongroup.co.uk/topic/466576-lc-assetlinkkearns-claim-form-2-mbna-cc/?do=findComment&comment=5256397  
    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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Please help - Pension policy and death


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Hi,

I would be grateful if anybody could help me, the circumstances are rather unique.

 

My father died of cancer in 2005 and my mother has been contacted by an indepentent financial advisor recently who managed a 'Group Life Assurance Scheme'.

 

My father worked for a small company for 2 years around 2001-2003. A 'Group Life Assurance Scheme' was setup shortly after he started and was active for about 1 1/2 years, he was then made redundant and months later the company became 'Dissolved' (I assume this is bankrupt?).

 

I assume my father forgot about this pension as he never mentioned it. Norwich Union (who the policy is with) have sent us a letter basically saying there is £4k and they want to send us the cheque...However...

We have found the origional documents for this policy and there is a 'Acceptance Terms' and it says...

 

Lump Sum: £8,000

Also explains in death of member 3 X Salary will be paid (printed as lump sum £78,000)

 

SO my question is, can my mother (next of kin) claim this death benafit?

 

Its confusing as the company he worked for is now dissolved.

The documents state...

 

DEATH BENAFIT

In the event of your death whilst a member of the plab, the full value of the accumulated fund will be paid to your dependants. In addition they will also receive 3x your normal annual salary.

 

Thank you ever so much for reading.

 

Thank You,

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Sorry to hear the loss of your father.

 

I would suspect that the 3 times annual salary only applies if the member dies whilst in service, as to whether the £4k is reasonable or not I persoanlly do not know, but I wll see if I can find someonw who is more up on this subject than me.

Consumer Health Forums - where you can discuss any health or relationship matters.

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My father died in 2001 and just before Christmas my sister recevied a letter from the DWP enclosing a letter from some pension fund or other. My father apparently had a pension from donkeys years ago that he had forgotten about and which my mother had also forgotten about. My sister signed the forms and got them witnessed by a solicitor and sent them back and received a cheque for over £5,500 which included accrued interest from 2000 which was when my father reached 65. I would think Norwich Union have probably got the figures correct and the sum no doubt includes interest. I would agree with Gizmo the 3 x salary probably would only be paid out if your father had died whilst still employed by them. We have a similar clause in the pension fund I am a member of at work.

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