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About Boilerman

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  1. Hello all, I bought a prepaid funeral plan from Pride Planning Trust through Prosperous Life. I had a call from Pride Planning today saying my plan had been discontinued and did I want to upgrade for and extra £500. I refused saying we had a contract between us and now you have breached the contract by informing me that my plan has been discontinued. They offered to cancel and give me a full refund, without interest. Can anyone offer me some advice and how I stand legally? Thanks Ken
  2. Hi All, Just a little advice please. I had a works pension that was frozen some 8 years before I got married. My wife and I are going trough divorce and she seems interested in some of this pension. Question is as the pension was paid into and frozen before we married is she entitled to some of it? I am retired and disabled and claiming pension credit + enhanced PIP and Enhanced Mobility. the pension she is looking to have part of pays £42.27/Month She is 58 and due to retire at 67. She has a work p\lace pension and she earns around 1,500/month her new partner earns about the same. wondering also if I am entitled to Spousal award, not that I want to claim any of it, just use it as a lever to get her off my back. Thanks in anticipation Ken
  3. Just a quick one whilst following this thread, I had a similar letter, however I was declared bankrupt in March 2015, I knew nothing of this debt, However I was aware that my estranged wife was claiming some 10 years ago. Because of the bankruptcy am I still liable for the debt, note, the debt wasn't on the list of creditors as I knew nothing about it. Regards Ken
  4. Hi all, I'm a little bit confused, possibly an A.G.E. thing, and I can't seem to find any answers here, again, possibly an A.G.E thing I have a very small fund with an occupational pension, it will pay £54 P/A, or if I take a one of Small Triviality Payment the amount would be £1,448.05 less TAX of £217.20 making a total £1,230.85. I am Claiming Pension Credit of £740.00/4 weekly, and two other pensions one pays me £42.15/month the other £80.77/month. The are notes in the paperwork that refers to:- * Lifetime Allowance declaration * Percentage of standard lifetime allowance that the total benefit taken represents Also I don't have a big enough private income to attract inland revenue payments, even with the cash sum I could take, question will I still have to pay tax on the amount? any help would be very much appreciated Regards Ken
  5. Hi all, I've tried searching for an answer, however I can't find anything definitive, so here goes:- as I understand it,the NCD is for the person, I say this, as if you have an accident you (the person) lose your NCD regardless of what car, van, lorry (unless you have a protected NCD, or would affect your NCD Also reinforced by the fact that if someone driving your car on a TP insurance on their policy, you don't lose your NCD. now, then, if the NCD is for the vehicle and not the insured owner, why, when you change your car do you not have to start the NCD process all over again. The whole insurance industry appears to be one big [problem]. I'd really like someone to explain in simple terms what this is all about......Or if you believe that car insurance should be for the driver, maybe lobby the insurance companies to be realistic and sensible......Is this legal even. Why should I, a driver with no accidents or claims should pay £195/year for the car I have now, but a second car would cost me nearly £1k. I shan't be driving the two cars at the same time, and whatever car I wont be driving will be locked up securely Comments explanations would be very much appreciated. is there some way I can get a better fairer deal?? Thanks all Ken
  6. I did try to deal through my insurers, however they wanted me to pay the excess and then claim it back from the third party; on advice I approached the third paty insurers who handled the claim very quicky, all done and dusted within 3 weeks
  7. Wow, quick reply, thank you so much, I think I'm being pressured into using these people, I'm thinking maybe a letter to the third party's insurers may be a better option, they seemed to want move things on quickly without fuss Kind regards Ken
  8. Hi All, I had was involved in a RTA back in January; happy to say not serious and not my fault. Third Party admitted liability, so I made a direct claim to their insurers, who promptly arranged for repairs to my car, arranged a hire car, and paid out a sum to my passenger in injury compensation. I didn’t make a personal injury claim at the time as I didn’t experience any effects that I could attribute to the accident. However just about a week later I did experience a stiff neck and shoulder pain, also pain down my arm, I knew that it must’ve been as a direct result of the accident, but I was under the impression that I would be out of time to make a claim, so I put it down to experience and forgot all about it. I had a call recently from an accident claims specialist who said that the insurers put aside an amount for injury compensation, I did explain that I thought it would be too late, however the guy was very persistent, so I agreed to make a claim through them. I was passed on to their legal team who took details. I then got this letter from them via email, however something appears to be “Not Quite Right” :- “Dear Mr Murphy Re Your Accident on 29th January 2015 Please note as requested, we have arranged After the Event legal expenses insurance to cover you throughout this case. On the information currently available to us, we believe, that a contract of insurance with AmTrust Europe Legal is appropriate to cover your opponent’s charges and your own disbursements in case you lose. What this means is that if your claim is unsuccessful, the insurance then takes effect to protect you, as previously discussed the premium amount is deferred and costs £350.00 which is payable by you upon conclusion of your claim as it is no longer recoverable from your opponent since the government changed the rules with effect from 1st April 2013. If you lose the premium is still not payable. Full details are contained in the insurance policy documents. It is generally this type of cover which we recommend; we do not have any financial interest in recommending to you AmTrust Europe Legal. We only select from a limited number of insurers for After the Event legal expense insurance contracts but we are not contractually obliged to conduct our business in this way. You can ask us for a list of the insurers that we use. Yours Faithfully” Shall I tell them to go do one, or do think it’s OK Thank for your help Ken
  9. Thank you king these are my thoughts also. I'm also feeling that as I'm in no particular hurry for settlement, that I could perpetuate this to stack up legal cosst on his part
  10. Mmm, food for thought, certainly solve the issue, however, I think it may create more issues lol
  11. Hi BazzaS, Thanks once again for your reply The shed is sitting on a concrete patio, it is not fixed, and is officially regarded by Lincs Planning officer as a smokers room, and by the claimant as a store, there is some confusion here, as I believe the claimant is being guided by his solicitor, but he is not telling the truth nor the full story Regards Ken
  12. Thanks for your reply, This is not a gift in the sense of gift, nor is any land involved, The guy put, what amounts to a large wooden shed on my patio, he left and said I could keep it as, 1, he couldn't afford to take it away, and 2. he had nowhere to take it to. So if this is not a contract of transfer of ownership, what would it be, and after he gave and I agreed, has he the right to rescind this agreement without consultation or agreement? This is dragging out, I have all the time in the world to resolve it, I am considering suggesting that she take the mater to litigation, but I'd like to be sure that I have legal baring. kind regards Ken
  13. Hello all who have contributed to this post, it is still ongoing; The other side's solicitor seems to be jumping around all over the place, and appears that she is flaying in deep water; as follows She appears to think the cabin was sold to me, however I have never indicated that this is the case, in all correspondence I state that the cabin was given to me, there is a verbal agreement also a text message from the other party saying "you can have the cabin and the contents", at first I refused saying that it was his and that I wanted it removed. then I have further texts saying that I can have it, I replied "yes OK if that's what you want". As I interpret the law on contracts, both verbal and written, it doesn't necessarily have to be a formal document, therefore am I correct in saying that as he has given me the cabin and I have accepted, that legally he has passed title to me? Your continual replies and advice and very much appreciated Ken
  14. So posting to his solicitor would be they correct thing to do, as we don't have an address for him
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