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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?
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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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