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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other! One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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Abbey Life Annuity - Enhanced Annuity letter. Please help


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I wonder if someone can advise me with this please?

 

My parent's have given me a letter to deal with that they received from Abbey Life regarding a Joint Life Annuity policy they have.

It says in it that the FCA recently undertook a review of annuity sales as to whether customers were given adequate information about their options at retirement and in particular regarding 'enhanced annuities'.

 

It says that enhanced annuities work on the basis that if a customer has a medical condition or lifestyle factor (ie smoking etc) they will probably live a shorter time than someone in a better state of health. Firms expect to pay these customers their retirement for less time so typically provide them a higher income. It says that Abbey Life did not offer EA but one may have been avail to you from another provider if you were eligible and therefore you may be due compensation.

 

Enclosed is a questionnaire. My dad says he has no recollection at all of Abbey mentioning these EA and as he has a heart condition he would have actually bought one if offered it at the time.

 

He now has the start of vascular dementia so it's been left to me to deal with this.

Does anyone know much about the FCA review or how to proceed without me messing this up for them?

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We could do with some help from you.

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Upload the documents (redacted ) and we will take a look.....although as there from the Abbey really cant see you completing them incorrectly.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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the letter says all you need to know about the why, it now depends on what an actuary thinks about your dads health and lifestyle. they may well need to access dads madical records (make sure that you werent lying about the 100 a day fag habit) and a charge will be made for this. If there is a difference between his annuity and the average for someone with those problems then they will top up

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For what its worth, I know a few guys that worked for Abbey Life and there is a very good chance that they would not have asked about health. As far as I can remember they did not offer an enhanced annuity so would not mention it in case they lost the commission.

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  • 6 months later...

I have just joined as we too have this questionnaire from Abbey Life. Have written to them and now they are phoning back tomorrow afternoon.

 

1. My husband had a Waiver of Contributions implemented as a result of an accident before he reached retirement age. He does not get a huge amount because he only took out what we could afford at the time . We had hoped to increase it over time, because his employer did not offer one, even so we were pleased we did a Waiver of contributions option.

 

Note: He went onto have a TIA and now has a pacemaker.

 

2. Looking at the questionnaire in our mind it was not relevant - we thought he was committed to Abbey Life. In fact it starts off with why did you contact Abbey Life.

 

Hence - we wrote and said that given their letter it looks like he may well have been entitled to claim.

 

So our question is -

 

(a) this person from Abbey Life is saying he could help us over the phone to complete the questionnaire. But we are wondering if we should be seeking independent advice now?

(b) being my husband was already on 'Waiver of Contributions' then is he in a different category?

 

Any thoughts would be appreciated.

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