I had some contact with this company earlier in my working life but I'm afraid there's not a lot I can suggest that you haven't already done. During your grandfather's time British Celanese was a subsidiary of Courtaulds. Courtaulds was subsequently (after your grandfather had stopped working there) acquired by Alzo Nobel. They in turn closed down the Spondon site and sold it. I have no idea what the number is that you are trying to call. It's a Derby (Spondon) area code but the number appears not to be allocated. From my slim knowledge of the history of the company I would have expected your grandfather's pension to be in the Alzo Nobel (CPS) Pension Scheme. But Willis Tower Watson are the Pension Scheme Administrator of that scheme and would be the people who should know if your grandfather had contributed. Is your grandfather certain he contributed? Joining pension schemes wasn't compulsory in those days. Or might he have got his contributions returned when he left them? That happened sometimes back then. Sorry not to be of more help.

Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?

The answer to this is going to depend on what the agreement your friend signed says. Or contact the housing provider and ask them.

Well it would have been helpful if you had included this new information about the ban in your original post .....

First thing to do is what the the DVLA website extract says - write to the Central Casework Group with full details of your licence, adding that you spoke to DVLA call centre xx/xx/xxxx and they told you they couldn't see the details either. Get proof of posting. Are you in physical possession of your Driving Licence Photocard? And the card shows it is still current? If so include a photocopy of it when you write to DVLA. There's no reason for you to assume that the licence has been cancelled or that you have been banned. Just some IT problem at DVLA. I wouldn't go into all the stuff about your court case last year. There's no evidence that the current glitch in the DVLA system is anything to do with it and it will just muddy the waters. Most comparision sites ask for your licence number. You can get quotes without the licence being checked but when you take up an insurer's quote they then check your licence number against the DVLA website to make sure it is valid and to check if any Points for motoring offences are recorded. If you are unable to access your licence details on DVLA then insurers won't be able to either so they will refuse to proceed and cancel their quote.

I agree with you. You and the company are separate legal entities so the company property that you damaged is third party property as far as you are concerned.. Get the company to write to you holding you formally responsible for the damage to their fence with the quotations for the repair. Send it by post (proof of posting) to Prima and ask them to confirm they will deal with the the third party directly. Best that someone other than you writes on behalf of the company! I suspect this is simply lack of knowledge by staff on customer service desks who don't understand the concept of companies and their shareholders being separate legal entities. If Prima still make difficulties use their formal complaints system until either they agree to cover the TP claim or issue a deadlock letter. You can then go the FCA.

Don't poke the bear! Has the card been returned to your father? Or is he unable to use a Freedom Pass and having to pay to use local buses where he lives?

The plot thickens ... China may be producing the counterfeit stamps. Seems there's a lot of them about Royal Mail urged to investigate claims of Chinese-made fake stamps | Postal service | The Guardian WWW.THEGUARDIAN.COM Minister says he will work with business to investigate, while China dismisses suggestion of state role as ‘absurd’ Although that wouldn't have explained what happened to citizenB's friend who apparently received the stamp from the Royal Mail. The fake stamps are (allegedly) only distributed through non-Post Office shops and the ones from the Post Office are legit and made under strict controls in the UK. Post Offices aren't permitted to go out and buy their stamps from other sources. (For clarity it was Royal Mail who provided the stamps to citizenB's friend, not the Post Office, which is a separate company. But I assume Royal Mail got its stamps for the 'swaps' from the legit UK manufacturer and didn't buy them on Amazon!). Still, I will make sure I buy stamps from a Post Office in future, not from my corner shop. Did you friend ever get anywhere with his complaints @citizenB ?

They are also apparently going to start a court action without issuing a PAPLOC!

Hard to say if it was mis sold without knowing what sort of policy it is. I don't know who was doing the selling but Scottish Widows themselves are a reputable company not known for offering 'dodgy' products. I realise that even the finest products can be unsuitable for the person they are sold to. How long has she been paying premiums into it?

We're not really a benefits advice site here but I'll give it a go as it's had me puzzled about my own SP! April 19th is a Friday so is Friday your SP "Payment day of the week" based on your NI number according to the gov.uk explanation I've posted below? If so then the reason appears to be that your increase in SP is only due from the end of the first full week after 8th April, with 'full week' for you being the 7 days Friday to Friday. "End of" because SP is calculated weekly in arrears even though it is paid 4-weekly in arrears. The national increase in SP rates comes into force on the first Monday of the new financial year, which this year, as you say, is Monday 8th April. Your first Friday payment day after 8th April is 12th April but that isn't a full week after the national increase, it's only 5 days (8th - 12th). So you don't get the increase until the next payment day, Friday 19th, as that's the end of your first full week [7 days] at the new national rate - your weeks always begin on a Friday. Complicated? Of course, this is the DWP we are talking about! But, assuming Friday is your "Payment day of the week" according to your NI number, your payments appear to be correct. When is the state pension paid? The new state pension is usually paid every four weeks into an account of your choice. You’re paid in arrears for the previous four weeks – which is why April's payment increases won't be paid in full until May. Your payment day depends on your National Insurance number. If it falls on a bank holiday then you may be paid earlier. Last two digits of your National Insurance number Payment day of the week 00-19 Monday 20-39 Tuesday 40-59 Wednesday 60-79 Thursday 80-99 Friday Source: Gov.uk

I can't really offer you any more advice on this, you need to discuss with the solicitor. Getting the previous title register records will be helpful and may show whether before death they co-owned as Joint Tenants or Tenants in Common. Form DJP can be used for either type of co-ownership. The information on LR ownership puts a different light on whether she is legally entitled to make further draw down borrowings from her share of the ownership.

This gets more complicated every time you post! Do you mean that she was registered as sole owner some years before he died? That he had gifted her the house but continued to live in it with her? How many years before his death was the house transferred to his wife? I find this confusing, I am not going to try to guess what was going on. You will need to do research and discuss with the solicitor. It is possible to get the previous ownership records but I've never done it. Call Land Registry customer services for advice. But if she was the sole owner of the house before he died I'm not sure how it can form part of your father's Estate at all, or how it can now be held in Trust under the Will.

I don't know much about Lifetime Mortgages and we don't know what the rest of the Will says, who owned the property at the date of your father's death or even if she is an Executor so I can't give any specific advice and agree with lolerz that you should discuss this with the soliciitor. What I understand a lifetime mortgage to be is essentially a loan facility secured on the property from which you can borrow money which is repaid from the sale of the property when you die. So a type of Equity Release. So if you are going to sell the house soon then I would anticipate that the loans she has taken will have to be repaid from the sale proceeds. That will reduce the amount left in the Residuary Estate and so the amount the beneficiaries will inherit. She may be able to transfer the loans to the new house she is moving to with her new partner - if she has any ownership in it.... Whether you can adjust what she receives from the Estate to take account of the loans she has taken out is something you need to take legal advice on. It depends, for one thing, whether she is a Residuary Beneficiary at all. Is she? And is she an Executor? If she is she could obstruct your attempts to reduce her share of the Residuary Estate. You have Probate presumably. Is she named on the Probate document as an Executor? I would question whether she had the right to borrow further money under the lifetime mortgage after your father's death if the house had been owned solely by your father. It could even be fraud because you can generally only borrow secured on property that you own, not on property owned by someone else (at least not without the owner's consent). I wonder if she has told the mortgage company that your father has died? The Will Trust appears to say that from the date of your father's death the house is legally owned by his Trustees. She is one of them but that doesn't give her the power to act unilaterally and take out further loans. And in any case Trustees have to act in the best interests of the beneficiaries as a whole and I believe Trustees are forbidden by law to use Trust assets as security for their personal benefit. These are potentially serious criminal offences, I wonder if she realises that? It might be legal to raise a loan secured on the house to carry out repairs but (a) that would have to be a decision of all three Trustees and (b) it would be done only if the repairs could not be paid for from other Estate assets. Surely if the repairs needed were so large that a new mortgage loan was needed you would have known about the condition of the house? Who was the registered owner at the Land Registry at your father's date of death? Is it now registered in your three names as Trustees? It might be worth you getting copy of the Title document for the house from the Land Registry to show the solicitor. It costs £3 and you get a downloadable pdf. Search for land and property information - GOV.UK (www.gov.uk) It's only the Title Register you need to get, you don't need the Title Plan. If it's the first time you've used the Land Registry site it will ask you to set up a (free) Land Registry account before you can do the download. I think you have uncovered a serious issue here that needs professional legal advice. Incidentally, I assume you are an Executor so do you have a copy of the "life time mortgage ... that her and my dad opened before his death"? As Executor you have it because the liabilties your father incurred under it are part of his Estate. Ask her for a copy.

@Karalius any updates on this/