Thanks.

Hi, I can retire any time I would like due to my age and service. The deferred part of the online of the calculator states these; Retire.03/07/27 - lump sum is £14,228.08 and annual pension is £2,134.20. Retire 03/07/22 - lump sum is £13,637.35 and annual pension is £2,045.59. If I have to wait till I retire to cash in this deferred part of my pension, then the numbers are not far off each other - I was wondering if I can remain working with the same local authority and cash in the deferred part of my pension with them, and looks its as if I would gain financially ? I don't think I can, but as I don't know the legislation, so I looked online. I asked that specific question but couldn't get an answer, I thought that CAG could help. Thanks for your swift reply.

Can I cash in a deferred pension from a local authority and still be employed by them ? I live in Scotland and I have two pension pots - an active one and a deferred one. I looked at the pension fund online, the benefit sums are basically the same if I try to cash it in just now, or wait for another 4/5 yrs (tillI I retire ). I have tried online and can't get an answer ?

Hi folks, I have defaulted on a loan from Sept 2020. The original loan amount was over £380, the 1st repayment was just over £20, I made a total two payments of £120 and £175 and no more, the original company sold it on, they then sold it on, and it was sold on twice more. I am being sued in Glasgow Sheriff Court by the current dept holder for over £1400, I have three weeks to send in my Simple Procedure Response Form 4A. The duration of the dept was 70 plus weeks. APR is over 1200% The rates of interest which apply to the credit agreement . . . Interest is charged at a simple fixed rate of just over 200% per annum the amount of credit for the term and is applied to the account, in full at the commencement of the agreement. Any help would be gratefully received especially a defence against the astronomical interest rates. Thanks.

Hi Chubba, Is there a way to reduce your claim and keep it in the small claims court ? If you are amending the POCs then an amendement to reduce the amount of charges must be perfectly reasonable. That is a long fight you have had so far. All the best anyway. Regards - William.

Hi Disgruntled, I have had a quick look at your thread, I hope you keep it entertaining and get a satisfactory outcome. I can't help with your interest question. You seem well versed in your arguements with the A&L so far though. I do hope you continue to give them the runaround. A refreshing thread/story. William.

There are various CAG's who you may be able to contact on the following link........... http://www.consumeractiongroup.co.uk/forum/alliance-leicester/95497-urgent-all-l-account.html William.

Hi, this is from a thread I had a few years ago........... Some these may help you Aliance terms and conditions From this I have taken the only part which deals with T & Cs ; http://www.alliance-leicester.co.uk/...ts/ec03964.pdf more re terms and conditions, I'm adding as I find them............ http://www.alliance-leicester-group....conditions.pdf 1998 terms and conditions............. Alliance terms and conditions From mimijane................O ct 2005 http://web.archive.org/web/200512100...nts/CA2077.pdf From dizzykate................ 2001-2002 Bank Account Interest Rates & Charges - Alliance & Leicester From monkey boy...........May 1999 - 12th Oct 2001 Current Accounts at Alliance & Leicester plc William

I remember seeing your original post Good luck...............

I shall sub to this thread......thanks.

So its possible to ask a Question................. and get NO ANSA ???

I am dissapointed.............. The people who believe have "no comment", and the people who know the truth have "no comment". I can safely assume that all CAGGERS have NO opinion on President Bla iry. STAGGERING...........TRULY STAGGERING !!

Feel free to add your own please. Thony Charles Lynton Bla irey............. As Per MOD, As at 23 December 2009, a total of 243 British forces personnel or MOD civilians have died while serving in Afghanistan since the start of operations in October 2001. Conviction - For crimes against Uk nationals abroad. Sentence - Summary execution.

Forgot to say bearing...........that your sense of humor will carry you thru' a lot of frustrating days trying to reclaim your bank charges. I won't wish you good luck as you will not need any "luck" GO FOR IT. William.

Hi, Subbing to you thread. Hope you don't mind, moral support only just now. I shall follow your journey with interest. William.

You have one question, namely............... Do you think I should pay the charges which are probably several hundred pounds worth by now or let them run? I would advise that if you can afford to pay them just now, pay them !! You will get them back after the High Court case is settled (my opinion only). You will lose interest in the interim (fact). You may get the interest back (if you sue). I had a court case with The A&L which was settled (out of court) days before the mass imposition of Stays on the bank charge claims throughout the court system. I found being a litigant in person was very stressful, but satisfying after the A&L coughed up out of court. I spent a lot of hours going over the various/relevant threads trying to garner information. This is what you will have to do before making any decisions regarding "paying or not" Have the A&L issued a default notice on your account ?

Do you not have statements covering the time since you made up your last SOC. If not you must send a new Subject Access Request with the £10 fee. I have not got any more statements since 2007. I will send a SAR. You'd need to update the SOC in any event to remove any charges which are now over 6 years, include any recent ones and to update the interest. Although you'd only claim the s.69 interest if you had to File a claim at court. I still intend to claim from 2001 as I began this process late 2007, do you think I will be able to do this ?? If you keep the claim moving this time, you should be paid in time for summer hols pocket money. Thanks for your help I spent last night looking thru' the stickys and a lot of threads. I looked at all the letters I have from BC and the ones that I have sent. I sent BC a Request For Payment Of Charges letter on the 20.03.07, the charges were for Period 12.10.01 to 28.12.06. That was the last letter I sent them. I really was not well enough to go to the next stage (LBA) at that time. Moving forward with my claim is not as straight forward now though (I think) ........... 1- As I live in Scotland just now it would be easier (for travelling and travel costs) to use the Scottish Courts to proceed with my claim. In 2005/06/07 I recieved a lot of help from the CAG members on how to use the English Court system. This was the only reason I was able to succeed against The All & Leic. But there seems to be a lot less replies to posts nowadays due to the ongoing High Court case and the problems with "stays". 2- There are time barring limits for issuing claims which will affect how I proceed. My assumption is that I can proceed with a LBA to BC which is appox 2yrs and 2months after I sent them my original Request For Payment Of Charges. Can I still claim for charges from 2001 as I began the reclaiming proccess in 2007 ?? I looked at my credit report and BC have entered a default entry on the 10th of may 2009, here is part of the entry................. BARCLAYCARD Credit card / S... Default £612 10/05/2009. Started:30/08/2001 Cheers - William

Thanks for looking by slick, I did phone BC and they do not have the letters that I sent them (still have rec del tabs) in 2007. I did not ask but I was told that my BC account was now being handled by BC. I will contact them (BC) again with a SAG and establish if any other charges have been added since 2007. I will also sift through the other BC threads again and get up to speed (as much as I can that is) with BC............ Can anybody advise if I should send an updated Schedule Of Charges with the additional interest or just keep my claim to the original sum ?? I was off ill in early 2006/7 and I spent hours an hours for months on the CAG A&L forum, receiving help, and giving what assistance I could. I found it extremely stressful being a litigant in person for just a single claim !!. I did get an out of court settlement from the A&l, just as the Court stays were being implemented. I hope I can see this one (claim) out now without too much hassle. Thanks - William.

I will now attempt to contact BC. I am in the midst of a refund charge Tnunami. I hope this will be resolved sometime. WK

Just off the phone to Neil at Calder Financial. I took his name,marked the time of the call (16.16) and informed him that I was taping the call. He went thru' the details stuff............ He was articulate and professional which was refreshing, I listened intently for any chink/weakness in his "company speil"........... After about 15 mins I made him aware of his responsibilities under the Harrassement Act (I have already told his company in 2007 not to harrass me as the account is in dispute) at which point he told me not to do his job, his manner was still controlled. He then asked me about specific details about the account, I then realized that he was looking at the account in detail................ He then said that BC were not dealing with it directly and had passed over the "entire" account for Calder to chase up (not his word). I informed him to tell his client that the account was in dispute and to desist from contacting me further regarding this matter. Then came my moment................. His words were "Barclaycard have passed over all the information to us and there is no record of the reasons why the account is in dispute".I informed Neil that I have copies of all the letters I have sent to BC (pre-lim, schedule of charges et al) and i told neil that BC should have sent this to them. I then asked him for the name of the Data Controller for his company AND there AT LAST after 25/30 mins of an 0845 number, I HAD HIM............... He said "we don't have that"................ I said "you do".............. It may be a secretary, but, somebody is respondsible for data control. He put me on hold and I put the phone down. As with all things relating to the refunding of charges my absolute thanks go to all the CAG members. WK.

I have recieved a card thru' my letterbox from Calder Financial which gives an 0845 No to call . I am assuming that it is the old Barclaycard reps - (Mercers) in disguise. I will phone them tonight, I am assuming they are starting to chase me up about this account. I have just looked and have found all my statements, the copies of letters, reciepts and post office tabs from my original claim, they relate to the return of the unlawful charges added to my BC account............ Thanks for having a look see at my thread. BK

Cheers Andy, Interest must have accrued on the wages I should have been paid, so who is entitled to it, myself or another party?? Any ideas?? I would have assumed it was me..........I shall have a chat with my union lawyer. I have been told that I am entitled to one hours of "free" legal advise per annum:) William

Hi folks, I work for a local authority who have still to pay an annual pay rise due to my union and employer failing to agree the actual percentage rise figure (appox %2.5). The pay award, will of course, eventually be agreed. When implemented, the date which the award will be backdated to will be June 1st 2007. We recently had a mass meeting (with senior management and personnel)regarding, the implementation of our new equal pay policy and the annual pay award , at this meeting we (the plebs:) ) were asked if we had any questions.......... I asked if I would receive 8% on any wages that I had earned from June the 1st and which had been deferred until the annual pay award, was agreed and implemented. The reply was an elongated and vague no!! (he defended my googley and fended away my curve ball)..........I then asked if they agreed with me that there was a moral obligation to pay interest (as per above)........the reply was "I won't comment on the morals of this":lol: It was the only question he failed to answer...........I left him in no doubt about why he failed to answer a simple moral question............So to my question, can I claim interest at 8% per annum (or any other percentage amount) from July 1st 2007 up to and when the annual pay award is implemented? I live in Scotland and have no idea if I could raise a small claim (myself)or whether I could band workmates together for a class action........taking on your employer in court is obviously a drastic tact with serious implications (for promotion for example). Any help views or guidance will be gratefully received. William.

Thats what happens if enough pressure is brought to bear. William.

YES JAN YOU ARE WITNESSING THE UNRAVELLING OF A HUMAN BEING