Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • PCNWarrior
      PCN - MFG - ESSO COBHAM - GRAVESEND

      By PCNWarrior · Posted

      I have received a PCN from Euro Car Parks for MFG - Esso Cobham - Gravesend. I was completely unaware that there was any such limit for parking and always considered this to be a service station. I stopped there to use the toilet, have a coffee and made a couple of work calls. I have read the previous topics on this location which suggest I can ignore this and ECP will not take legal action. The one possible complication is that the vehicle is leased by my employer so I do not want to involve them with the associated reminders and threatening letters. The PCN was first issued to the leasing company Arval who have notified ECP of the hiring company. I have attached a copy of the PCN Notice to Hirer with details removed as per instructions. What options do I have or should I just pay the PCN promptly at the reduced rate of £60? img20240424_23142631.pdf
    • FTMDave
      PARKING FINE STANTED AIRPORT MCDONALDS

      By FTMDave · Posted

      What you have uploaded is a letter with daft empty threats from third-party paper tigers.  Just ignore it. What we need to see is the original invoice you received last October or November.
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      TERMINAL NOTICE.pdf
    • gmlmonika
      PARKING FINE STANTED AIRPORT MCDONALDS

      By gmlmonika · Posted

      Please find attached 
    • lookinforinfo
      NPC ANPR PCN Claimform - Taxi - Appealed - No Parking Or Waiting At Anytime - St Thomas Hospital, London, Se1 7eh.

      By lookinforinfo · Posted

      Thanks for posting the CPR contents. i do wish you hadn't blanked out the dates and times since at times they can be relevant . Can you please repost including times and dates. They say that they sent a copy of  the original  PCN that they sent to the Hirer  along with your hire agreement documents. Did you receive them and if so can you please upload the original PCN without erasing dates and times. If they did include  all the paperwork they said, then that PCN is pretty near compliant except for their error with the discount time. In the Act it isn't actually specified but to offer a discount for 14 days from the OFFENCE is a joke. the offence occurred probably a couple of months prior to you receiving your Notice to Hirer.  Also the words in parentheses n the Act have been missed off. Section 14 [5][c] (c)warn the hirer that if, after the period of 21 days beginning with the day after that on which the notice to hirer is given, the amount of unpaid parking charges referred to in the notice to keeper under paragraph 8(2)(f) or 9(2)(f) (as the case may be) has not been paid in full, the creditor will (if any applicable requirements are met) have the right to recover from the hirer so much of that amount as remains unpaid; Though it states "if any applicable ...." as opposed to "if all applicable......" in Section 8 or 9. Maybe the Site could explain what the difference between the two terms mean if there is a difference. Also on your claim form they keeper referring to you as the driver or the keeper.  You are the Hirer and only the Hirer is responsible for the charge EVEN IF THEY WEREN'T THE DRIVER. So they cannot pursue the driver and nowhere in the Hirer section of the Act is the hirer ever named as the keeper so NPC are pursuing the wrong person.  

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

FIL pension

labrat
 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2133 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

labrat

labrat

Posted
Posted

This really is just a placeholder until I get hold of the full letter tomorrow but any advice is appreciated as with only being 30(ish) I have no experience with pensions

 

My father in law has been receiving letter for approximately 8 years or more stating he has approximately 38,000 in a pension

 

He is currently 63 and has been waiting to pull part of this out towards a new caravan

 

Today he has received a letter "politely" advising him that there has been an administration error and that his pension was converted into an annuity 8 years ago and therefore there is nothing in his pension pot and that they hope that "this will not cause him any stress"

 

He has checked and apparently he has been receiving £10 a week/month (wasn't too clear on the phone) but he can't remember ever signing up to this

 

I will get hold of the letter tomorrow hopefully and be able to give more story but he also has yearly statements for the last 8 years stating this money was waiting for him and is obviously distraught

 

Any advice?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted

Thanks honeybee I will do asap

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted

please find attached the documents, i believe i have removed all the relevant data

 

sorry they are not the best images but uploading from work means i have to do it when they're not looking

pension.pdf

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
honeybee13

honeybee13

Posted
Posted

Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted
Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

i would assume the defendant is indeed his wife

the £550 is apparently yearly not monthly

as for the 3% increase he has no idea as he has never had any sort of statement about this annuity - only statments saying his total pension pot value

 

he also has no memory of agreeing to an annuity, and although it suggests a tax free payment on the letter he is also fairly certain he has not had one

 

i know it sounds like closing the door after the horse has bolted but is it worth doing a SAR or whatever the GDPR equivalent is to get the documents where he agreed to this?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
ericsbrother

ericsbrother

Posted
Posted (edited)

there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

Edited by dx100uk
spacing
Link to post
Share on other sites
Ethel Street

Ethel Street

Posted
Posted
Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

It was Gross £559 a year HB so about £37 a month after 20% income tax deduction when it started in 2011. With 3% annual increases now around £43 a month after tax.

 

 

Your could certainly do a SAR labrat and get copies of his instructions in 2010, assuming they exist. I'd guess he did give instructions even if he doesn't remember it or didn't understand what he was instructing.

 

Do you have his bank statements? Can you check he has actually been receiving the pension since January 2011?

Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted
there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

 

going off the letter it was done december 2010 so will chase this thank you

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted

cant seem to edit so sorry for double post

 

just checked down pension wise and apparently he should have been put on an enhanced pension with being diabetic

is this also worth chasing?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
ericsbrother

ericsbrother

Posted
Posted (edited)

yes,

try and get the info as they should have offered him a transfer of balance if they didnt want to keep the rest of the pot as a pot.

By then the law had changed and they couldnt force people to take an annuity in that way.

 

get what you can and then go to the PAS and eventualy the Pensions Ombudsman if the PAS think it has legs.

 

As 8 years of paying out a pension have passed it would be unusual (but it does happen) to get an order that forced them to hand over a pot of money now but getting an enhanced payout backdated is easily doable

Edited by dx100uk
spacing
Link to post
Share on other sites
labrat

labrat

Posted
  • Author
Posted

Will update as I can

 

I only see FIL once a week so may take a while

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...