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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      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.

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Hi,

 

My husband has a pension that came to light earlier this year. Luckily his parents kept all the letters etc for him & gave it to him after he made contact, hence why it's just come up.

 

Anyways going by the paperwork it says he has approx :£20.000 & its been frozen for over 18years. So he has been looking at ways to do something with it. (he's nearly 51) But unknown to me he got into contact with a introducer who looked into the pension then sent him paperwork about what they can do to help him. Apparently they put the pension into their company & invest it or something & that he will be able to get an £ amount at 55 & then he could reinvest the rest for 10 years before cashing it in. (there's very little paperwork explaining what they do etc)

 

For investing his pension they will charge him a special introductory offer off £1000 (which they take from the pension itself) & then a yearly charge (again special price) of around £300, I think this isn't charged until year 3 or something. Now as the paperwork only came through on Friday, this is the first I've heard off it & when I read the accompanying documents it didn't sit right with me. There's also a permission letter enclosed for him to sign to agree to this.

 

I've looked up the Company & there's very little info on them as it appears Company registered around 2011. I also found a forum where a poster asked about this company & the advice given was basically to avoid as it was a [problem]. Now my husband signed the forms BUT I wouldn't let him post it back as I'm concerned that if it is a [problem] he will end up loosing his frozen pension altogether. He isn't too happy with me doing this but I think he's doing the wrong thing.

 

So any advice would be appreciated please.

I don't suffer from insanity, I enjoy every single minute of it!!

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Not my area of expertise but what amounts to a hefty 1.9K over 4 years, and what happens after the 'special price' expires.

 

Personally I would be looking to local independent advice this does not sound right to me.

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Many thanks for your replies so far.

 

The whole thing stinks to me, but hubby is convinced by the company that they will reinvest his pension. (phone calls done without my knowledge so no idea what they promised him exactly) But the paperwork is lacking any real definition of what they will do etc. The fees they charge are actually taken from the pension pot itself, so potentially he could end up loosing a big chunk in fees etc for the 14 years he's on about investing in. I personally feel it's a con & am so thankful I stopped him posting permission letter back.

 

Now I just want to clarify for myself, that until they actually get his signed permission form back they can't do anything with his pension money? As he had to give permission for them to track it down originally & I'm worried now they will plunder it & he ends up with nothing.

I don't suffer from insanity, I enjoy every single minute of it!!

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I would do a thorough check to make sure they are licenced with the FSA to start with as then any 'losses' would be covered.

 

Name the company and I will do a few checks.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks again for your replies & the links, it seems I was right to be cautious!

 

The Company is called Quantum Global Introducers Ltd, with an address for an office building in Manchester.

 

I've now hid the signed permission letter so it can't be sent. I've also checked all the paperwork (1 sheet with special offer fees & authorisation slip) there's no written outline of where the monies go to or what exactly the return is!! My husband is now listening to me about my fears regarding his pension & this Company.

 

Oh lastly I had another read of the fees letter & then at the bottom it does say they needed the authorisation slip sent back for them to be able to transfer the money. So I'm relieved that they can't access it at all.

 

Thanks again

I don't suffer from insanity, I enjoy every single minute of it!!

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Let's not forget that the biggest sc@m to UK pensioners has been perpetrated by the Bank of England with their Quantitative Easing, artificially low interest rates, financial repression and debasement of the Pound.

 

In comparison the above mentioned fraudsters are amateurs.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Business Overview

 

Quantum Global Introducers Limited is an Active business incorporated in Scotland on 31st January 2012. Their business activity is recorded as Other Activities Auxiliary To Insurance And Pension Funding. Quantum Global Introducers Limited is run by 2 current members. 2 shareholders own the total shares within the company. It is not part of a group.

 

The latest Annual Accounts submitted to Companies House for the year up to 31/08/2012 reported 'cash at bank' of £45,903, 'liabilities' worth £136,481, 'net worth' of £-25,276 and 'assets' worth £111,205. Quantum Global Introducers Limited's risk score was amended on 13/06/2013

 

Those figures wouldn't entice me to give them money.

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If what they are doing is construed as financial advice, why is there this disclaimer

 

 

In accordance with the Financial Services and Markets Act 2000, Quantum Global Introducers Ltd does not provide any financial or investment advice. Quantum Global Introducers Ltd does not handle any deposits and does not handle any client funds.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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They claim to ''act as an introducer only' many of these firms introduce to a another member company in the same group.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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They claim to ''act as an introducer only' many of these firms introduce to a another member company in the same group.

 

Indeed, Brig. The concern on the previous thread linked above was that often the other member company is not regulated in the UK and therefore has far less investor protection.

 

HB

Illegitimi non carborundum

 

 

 

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Indeed, Brig. The concern on the previous thread linked above was that often the other member company is not regulated in the UK and therefore has far less investor protection.

 

HB

Indeed so, there is discussion at present about the closing of this loophole, together with the suggestion that all companies in ''financial'' industry field should be individually licenced by the relevant regulators.##

This would certainly prevent situations like this occurring HB.

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he will lose all of his money with this type of "investment", you are "borrowing" the cash given to you on the back of an inverstment in some overseas company that is not subject to UK protection but will be taxable at 50-200% as these schemes are deemed by HMRC to be fraudulent. When you are clobbered for the tax you will still have to repay the money borrowed to fund the cash yoou have taken.

Point him in the direction of the advice here or linked to here and give him grief if he refuses to see reason. He could end up losing £40k!!

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Sit him down and let him read the thread. SIR DO NOT GO DOWN THIS ROUTE!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Many many thanks for all your replies.

 

So if I'm too understand this correctly, this Quantum Global Introducers are NOT financial advisers, investors or anything like they suggested to my husband? So in fact for a special offer fee off £1200 (Inc VAT) they do what exactly?

 

On the letter, it states this figure for moving the pension pot over to themselves & that for a yearly fee of £300 charged from year 3 to manage said pension. But there's no mention or guideline to what they do with the £20.000 or what the expected return is to be.

 

I'm just so grateful that I stopped my husband from posting authorisation letter, it sure sounds like the little fallout we had over this was worthwhile, as he's still got his pension. I think he was so taken in by what the salesperson said to him on the phone that at the time he believed them over myself. He sure is listening to me now!!! Lol

 

Many thanks again for helping me make him see sense.

I don't suffer from insanity, I enjoy every single minute of it!!

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Their sole purpose is to line their own pockets!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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