Jump to content


  • Tweets

  • Posts

    • Should this to be take into court with him or should he send something in earlier?
    • This is the other sign  parking sign 1a.pdf
    • 4 means that they need to name and then tell the people who will be affected that there has been an application made, what the application relates to (specificially "whether it relates to the exercise of the court’s jurisdiction in relation to P’s property and affairs, or P’s personal welfare, or to both) and what this application contains (i.e what order they want made as a result of it) 5 just means that teh court think it is important that the relevant people are notified 7 means that the court need more information to make the application, hence they have then made the order of paragraph 1 which requires the applicant to do more - this means the court can't make a decision with the current information, and need more, hence paragraph one of the order is for the applicant to do more. paragraph 3 of the order gives you the ability to have it set aside, although if it was made in january you are very late. Were you notiifed of the application or not?    
    • These are the photos of the signs. At the entrance there is a 7h free sign. On some bays there is a permit sign.  Also their official website is misleading as it implies all parking is free.  I can't be certain of the exact parking bay I was in that day, and there was no PCN ticket on my car and no other evidence was provided.  parking sign 2.pdf
    • Hi, In my last post I mentioned I had received an email from SS who were asking me to hand over the keys to my mother’s flat so they could pass them to the Law firm who have been appointed court of protection to access, secure and insure my mother’s property.  Feeling this, all quickly getting out of my hands I emailed ss requesting proof of this. I HAVEN’T HEARD BACK FROM SS.  Yesterday, I received an email (with attached court of protection order) from the Law Firm confirming this was correct (please see below a copy of this).  After reading the court of protection order I do have some concerns about it:   (a)   I only found out yesterday, the Law firm had been appointed by the court back in January.  Up until now, I have not received any notification regarding this.  (b)   Section 2   - States I am estranged from my mother.  This is NOT CORRECT    The only reason I stepped back from my mother was to protect myself from the guy (groomer) who had befriended her & was very aggressive towards me & because of my mother’s dementia she had become aggressive also.  I constantly tried to warned SS about this guy's manipulative behaviour towards my mother and his increasing aggressiveness towards me (as mentioned in previous posts).  Each time I was ignored.  Instead, SS encouraged his involvement with my mother – including him in her care plans and mental health assessments.   I was literally pushed out because I feared him and my mother’s increasing aggression towards me. Up until I stepped back, I had always looked after my mother and since her admission to the care home, I visit regularly.   .(c)    Sections -  4, 5 and 7  I am struggling to understand these as I don’t have a legal background.  I was wondering if there is anyone who might be able to explain what they mean.  It’s been a horrendous situation where I had to walk away from my mother at her most vulnerable because of; ss (not helping), scammer and groomer. I have no legal background, nor experience in highly manipulative people or an understanding of how the SS system operates, finding myself isolated, scared and powerless to the point I haven’t collected my personal belongings and items for my mother’s room in the care home.  Sadly, the court has only had heard one version of this story SS’s, and based their decision on that. My mother’s situation and the experience I have gone through could happen to anyone who has a vulnerable parent.    If anyone any thoughts on this much appreciated.  Thank you. ______________________________________________________  (Below is the Court of Protection Order)  COURT OF PROTECTION                                                                                                                                                                                   No xxx  MENTAL CAPACITY ACT 2005 In the matter of Name xxx ORDER Made by  Depty District Judge At xxx Made on xxx Issued on 18 January 2024  WHEREAS  1.     xxx Solicitors, Address xxx  ("Applicant”) has applied for an order under the Mental Capacity Act 2005.  2.     The Court notes (my mother) is said to be estranged from all her three children and only one, (me) has been notified.  3.     (Me) was previously appointed as Atorney for Property and Affairs for (my mother).  The Exhibity NAJ at (date) refers to (me) and all replacement Attorneys are now officially standing down.  4.     Pursuant to Rule 9.10 of the Court of Protection Rules 2017 and Practice Direction 9B the Applicant 2must seek to identify at least three persons who are likely to have an interest in being notified that an application has been issues.”  The children of (my mother), and any other appointed attorneys are likely to have an interest in the application, because of the nature of relationship to (my mother).  5.     The Court considers that the notification requirements are an important safeguard for the person in respect of whom an order is sought.  6.     The Court notes that it is said that the local authority no longer has access to (my mother’s) Property.  7.     Further information is required for the Court to determine the application.  IT IS ORDERED THAT  Within 28 days of the issue date this order, the Applicant shall file a form COP24 witness statement confirming that the other children of (my mother) and any replacement attorneys have been notified of the application and shall confirm their name, address, and date upon which those persons were notified.  If the Applicant wishes the Court to dispense with any further notification, they should file a COP9 and COP24 explaining, what steps (if any) have been taken to attempt notification and why notification should be dispensed with.   Pending the determination of the application to appoint a deputy for (my mother), the Applicant is authorised to take such steps as are proportionate and necessary to access, secure and insure the house and property of (my mother).   This order was made without a hearing and without notice.  Any person affected by this order may apply within 21 days of the date on which the order was served to have the order set aside or varied pursuant to Rule 13.4 of the Court of Protection Rules 2017 (“the Rules”).  Such application must be made on Form COP9 and in accordance with Part 10 Rules.              
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Pension funds transfer


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6089 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi there

 

maybe someone here can help

Many moons ago in 1994 an advisor from NatWest convinced me when I arrived in the UK to take out a private / personal pension with them and to opt out the government one. I paid into this plan for a short while until my employer made me redundant in 1995 and I couldn't afford the contributions anymore

My new employer had a company pension scheme which was far better and I joined that one instead once I became eligible in 1996 and have paying into that ever since as I am still with that employer.

I still have the NatWest one with currently £245.- in it which reduces year by year due to NW fees. I have asked the pension advisor at work a few years ago whether I could transfer the money into my pension fund at work, ( at the time it was about £340.-) and he said after all the transfer fees it would not be worth it. I checked with Nat West and they said they couldn't understand that as they would not charge anything for a transfer

but they also won't pay the money out to me either

So does that mean I can't do anything with that money, after all it is mine but I cannot gain any access to it ? :confused:

Link to post
Share on other sites

Last year I was paid a sum similar to the amount you mention for a company pension scheme that I long since had forgotten about and which was "orphaned" so to speak. I can see no reason why you shouyldn't be able to do the same unless the law has changed...

 

Contact the pension trustees of the occupational pension scheme you wish to cash or transfer and ask them to provide a solution. Insist it be in writing. Otherwsie, contact the Pension Advisory Service (see: The Pensions Advisory Service (TPAS) - Occupational Pensions)

 

You might also like to take a look at: Pension Fraud

 

Despite the conspiracty theorist ranting style of the site, I have checked the maths of the Annuity payments and it seems spot on. I also conducted a small (minute) amount of research to see if what was being said was true and it also seemed to be correct (please note caveats "seems" and "seemed" which are placed here for a reason - I am no expert!)

 

But judge for yourself.

 

Shoestring

The more I read this site, the more congratulations I want to heap on CAG for the invaluable service they are performing. Bravo!

Link to post
Share on other sites

Many thanks - I will write to NatWest straight away as the money (my money) just dwindles away year by year otherwise

Incidentally the "pension advisor" at work said to just leave it and it will reduce it self to zero over the years. Not really my ideal solution as it is my money that reduces itself to zero and I could think of better things to do with it to be honest:-|

Link to post
Share on other sites

:rolleyes: I think he just couldn't be bothered with it as it is not a huge amount and the paperwork involved probably didn't suit him.

That was the impression I had anyway, but there you go

Since he gave me that advice I lost another £100.- out of that plan

I just posted my letter to NatWest and see what they say

Link to post
Share on other sites

  • 1 month later...

I am interested in the outcome of this Phantom if you are still around on here.

 

I have just called Legal & General about my company pension scheme which I stopped payments approx 2004 due to longterm illness - they guy told me I have £1.5 in my account, I asked him for a statement of this and how I go about cashing it in as I am in financial difficulty right now and want to get as much money as I can - he told me I cannot cash it in and have the money, I can only transfer it to another pension.

 

He maybe right, but surely this is MY money and I am entitled to do with it what I like?

I know this money is dwindling daily and it would help me out no end if I could get my hands on it.

 

Anyone out there have any answers for me???? PLEASE!

Link to post
Share on other sites

Guest Aviva Support

moneyhelp

A pension is designed as investment for retirement purposes, there will be an age limit as to when you are able to remove the money from your pension, and only then to purchase an annuity.

 

Hope this helps

Becca

Link to post
Share on other sites

Hi Moneyhelp

 

I tried to transfer it from NatWest to my current company pension scheme, but guess what - your current pension scheme provider does not have to ACCEPT the transfer !!

In my case my employer's / company scheme refused the transfer !!!!

So I am back to where I was before

I have a dormant old pension scheme with MY money in it which I truly cannot do anything with

They will not pay it out (£300.- hardly a lifetime investment) and I cannot transfer it either, so it will truly reduce itself to 0 over the next years , a complete waste of MY money !

I think there should be somewhere you should be able to complain about it, but I guess there won't be:mad:

Link to post
Share on other sites

Thank you for your replies so quickly too.

 

This has made my blood boil to be honest. I was forced into leaving my previous job due to ill health, struggling on benefits knowing that I have £1.5k sitting dwindling away.

By the time I am at an age where I can take it out there will be nothing left.

 

This suxs BIG time!

Link to post
Share on other sites

Be wary of putting any money into an annuity unless you absolutely have to. Figures I've run on Excel SS show that pension funds plan to keep about 40% of the overall cash pot which they use to offset payouts made to long life customers. The normal annuity is set for 21 years for a man and 24 yrars for a female (as I recall), after normal retirement age. In other words men are expected not to live past 86 years and women 89 years (if the 65 pensionable age cutoff is used across the board).

 

The 40% includes their heafty charges and commissions and God only knows what else. Basically YOU are paying THEIR pension when you take out an annuity and the bosses insist on guaranteed schemes or invest the funds themselves into a pension plan over which they have complete control.

 

Be cautious.

 

Shoestring

The more I read this site, the more congratulations I want to heap on CAG for the invaluable service they are performing. Bravo!

Link to post
Share on other sites

Stable doors closed after horse ran away....

The money I have with NW is lost, I only have got my work based pension scheme now.

As I have been with my current employer for over 10 years it has become non-contribution, i.e. only my employer now makes contributions, I don't anymore, so that helps a bit financially for me and I still build up a pension, but I am only 37 (38 this Sunday :oops:) so long way to go yet before even thinking about cashing anything in

Link to post
Share on other sites

What you really need is an independant financial advisor here. Mine told us about all the options with a company pension and we chose the best option and took the money out into a personal pension a few years back. It's doing really well now after the inital hit on withdrawal.

 

Can't understand why the amount only reduces year on year with yours. Surely you have some earnings from the scheme - that's the whole point. Mind you I do not have a lot of knowledge about these things - I leave it to my financial advisor.

 

You really want to chose an advisor on personal recommendation too as some of them can be a bit fly. Ask around people you know and see if anyone has a gem they use.

Link to post
Share on other sites

Guest Aviva Support

moneyhelp

 

If you have been forced to leave work through ill health some companies make allowances for this - when i worked in pensions there were certain policies that had a clause written into them, I would maybe try phoning the pension company and explaining your circumstances... I'm not saying you will definately get this, just that it is an option on some policies.

 

Also, you will still be asked to purchase an annuity for income, rather than just getting the lump sum.

 

HTH

Becca

Link to post
Share on other sites

 

Can't understand why the amount only reduces year on year with yours. Surely you have some earnings from the scheme - that's the whole point. Mind you I do not have a lot of knowledge about these things - I leave it to my financial advisor.

 

It's because it is only a small amount (less than 300 GBP) and I don't make anymore contributions. NatWest's charges for running this scheme are higher than the return, so the money left reduces over time until it will reduce itself to zero at some point. I tried to transfer it out and into my pension scheme at work but they refused to accept the transfer.Apparently once they accept it, they have to guarantee to me that it will be doing well, as it is a final salary scheme and that's why they rarely accept transfers. I don't know too much about it either, but that's where I am now

:|

Link to post
Share on other sites

moneyhelp

 

If you have been forced to leave work through ill health some companies make allowances for this - when i worked in pensions there were certain policies that had a clause written into them, I would maybe try phoning the pension company and explaining your circumstances... I'm not saying you will definately get this, just that it is an option on some policies.

 

Also, you will still be asked to purchase an annuity for income, rather than just getting the lump sum.

 

HTH

Becca

 

Yes I had read that on the link further up in the thread, so I checked it out - but thank you for pointing this out.

I have an appointment with CAB in August, I will run this past them and see what they say. I know laws is laws, but if I can fight this and prove I desperatly need some money (ie a bed to sleep on or a chair to sit on) I will do what I have to do - thanks again folks :)

Link to post
Share on other sites

That's what my pension advisor from work said

(I should start up a new one where the little money that's with NatWest will do better), but I have my doubts it will make a difference as I am not making anymore contributions to this, I am building up my work's pension instead

I believe these £250 odd pounds would do just as well in a savings account somewhere, but they won't pay it out

If they did I would probably invest it into my sons' child trust fund, but again, they won't give it to me which is very annoying. It should be my decision what I want to do with this money:sad:

Link to post
Share on other sites

Probably - but there should be a threshold for small or minimum amounts, because £250.- which is quite evidently dwindling away due to running costs should be exempt and just be refunded or paid out or should at least not be subject to any charges. This way they are taking my money for nothing in return

I have moved to the UK from abroad in the early 1990s and when I left my last employer in continental Europe they paid out my company pension funds with my last wage as in the few years I was with them it was a small amount only anyway. No hassle, no ifs and no buts. My state pension is still secure over there , as these are separate things.

I am surprised this is so different here:-|

Link to post
Share on other sites

  • 4 weeks later...

That's the thing - I can't

My current pension scheme won't accept the transfer. They say they don't have to accept transfers and this is one they don't want. Under legislation they are bound to ensure the money does well and for this they cnnot guarantee it so they don't want it.

So I am stuck. Nat West won't pay it out, their charges are higher than the return and my new pension scheme doesn't want it

Game Over for the little man yet again

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...