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  1. Now I have all of the old paperwork out, I have found a forgotten clerical medical pension that I have that seems a bit dodgy to me. Brief history of the policy; Originally taken out with United friendly in the 80's, who were then bought out or merged at a later date with Royal London. This is /was a mutual with profits. In 2007 I was contacted by an independent financial advisor who said he would take a look at the pension as I was considering transferring the pension to an occupational scheme. The advisor advised me to transfer the existing funds (admittedly not much a
  2. PENSION DISPUTE WITH CLERICAL MEDICAL (PART OF THE LLOYDS TSB GROUP) AND THE HANDLING OF THE COMPLAINT BY THE FOS AND FCA In 1993 I transferred my final salary scheme fund to a pension fund with Clerical Medical (CM), a Lloyds affiliate, under a Section 32 Buyout Plan. I had been provided with a ‘Product Guide’ by CM with a BSI kitemark on the cover which stated- ‘CLARITY APPROVED BY PLAIN ENGLISH CAMPAIGN’. The relevant clause in the ‘Product Guide’ stated:- ‘If the transfer payment comes from a scheme which was contracted out of the State Earnings Related Pension Scheme (
  3. ]Afternoon All, I have had to leave my job as the problems with my lower back just do not allow me to stand on my feet for 8 hours straight, and my doctor has issued me a fitnote and referred me to a musculoskeletal specialist. I was on ESA from Jun-Dec 2013 and returned myself to work (before having an atos medial, i hadn't been declared fit nor unfit for wok) as the treatment i was receiving then had some effect and i felt human again but i am no longer allowed the injections and im back to square one and the pain most mornings means its physically difficult to even get my socks on
  4. Hi all I've just had notification of a second repo order on my house, after a many year fight. I won the last round with a walking possession order over me but still owned a house at the end of it. I did a 550 mile round trip in a day for that too. Phew. Here is the background: I moved someone in whilst I'm working away to afford the mortgage payments whilst I deal with the arrears repayments. They get paid on 10th of the month, leaving me around 10 days behind every month. I asked Hamilns Solicitors (Santander litigation dept) whether this was a problem as I could make it up in th
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