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    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
    • The move marks the first time the country's central bank has raised interest rates for 17 years.View the full article
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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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Mineworkers pension


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Hi everyone, I am just enquiring about my MPS that I am recieving.

 

I claimed my pension 5 years ago when I was aged 50. I took a lump sum and then a monthly pension of £235.

 

My question is, can i change the monthly pension I receive into a one off cash lump sum instead?

 

I am being finished at work on friday due to ill health as I have polycistic kideys and am just waiting for my fistula to be sorted out for the start of dialysis and also a heart problem which they cannot sort out until I am settled on dialysis which could be at least 18 months away.

 

I still have 4 years left on my mortgage and I am trying to sort out ways of trying to pay off my mortgage as this is the one major worry that I have, I dont want to lose our home due to not being able to afford the mortgage.

 

I knew that this time would come but didnt expect it to start at 55 and thought my mortgage wuold be paid off by the time it started.

 

I just wondered if anybody could help, I cannot see anything regarding this on the MPS website.

 

Many thanks

Alamand

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Hello there.

 

I'm not really up to speed with current pension rules, but I think the reasons you might be able to commute a pension are on the grounds of 'triviality' or ill-health.

 

Try ringing the Pensions Advisory Service, they should be able to talk you through this. Their advice is good and it's free.

 

https://www.pensionsadvisoryservice.org.uk/ask-us

 

HB

Illegitimi non carborundum

 

 

 

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the changes have never affected final salary schemes and are not retrospective.

If they were applicabe to FSC's and you hadnt taken your pension yet there would be a cap on what you would get as a lump sum anyway as the money isnt yours as such, it belongs to the scheme and they pay it out according to their rules. If the trustees changed the rules so every future pensioner only got a penny allocated to their personal pot that would be tough luck but legally allowable.

You have the best deal you could have possibly ever had.

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Thank you for your replies.

I think I will leave it alone. It was just an enquiery as I have had to finish work thru ill health and am just looking to try and sort my finances out, with just 3 years left on my mortgage I was just looking if I could get any capital to pay it off.

 

Alamand

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that will be worth trying to get as cash under a trivial capital scheme. The amount that counts as trivial will depend on what other income you have as well as the amount of the pot so having the miners pension will be an advantage with this one!

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