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  1. I read the other day that he's talking about visiting and his ambassador suggested May might be a good time. Given that Trump cancelled a visit because of demonstations and more or less hid when he did come over, I wonder why he thinks it would be any different this time? He certainly seems very sensitive to people expressing their opposition to his policies. Downing Street are trying to play down the significance of this.
  2. While we were all watching the Brexit farce: State Pension Credit will no longer be available to claimants whose partner is under state pension age
  3. After his retweet of Britain First videos and attack on the PM and British values [sent to the wrong Theresa May], there are increasing calls for him not to come here. https://www.theguardian.com/us-news/2017/nov/30/evil-racist-how-the-uk-reacted-to-trumps-theresa-may-twitter-attack https://www.theguardian.com/commentisfree/2017/nov/30/britain-demand-apology-trump-cancel-state-visit-theresa-may
  4. I know this sounds strange, but if to date your NI contributions will give you a full state pension when you retire can you ask to stop your NI contributions up to retirement?
  5. hi I received a ccj for a credit debt £450 I offered them £6 a month they have refused that I told them my only income is my state pension , they told me they will get attachment of my state pension can they do this thanks
  6. http://www.bbc.co.uk/news/business-39352654
  7. I have a current packaged bank account complaint and can confirm the FOS's poor practises. Important info in my case was drip fed to the FOS from the bank without my disclosure. The FOS caseworker would ring me sometimes 5 days later than agreed. The caseworker would then ambush me on the phone about information I knew nothing about, hardly good advocacy at any level. The They could not even read a bank statement correctly which led to sleepless nights because the FOS caseworker attributed a 11k withdrawal to the wrong company making me believe fraud had occurred, that is until many weeks later once I got sight of the bank statements I requested from the FSO and realised the FSO caseworker's school boy error. Even when I demanded the case be dealt with by another caseworker due to incompetence this was ignored and a decision railroaded. Now I have a legitimate claim for harassment against the caseworker for refusing to hand the case over and for continuing to ring me trying to harass me with questions about information not prior disclosed to me. I held a senior management post at The Home Office for over 23 years so I am used to dealing with casework and policy matters at all levels. I believe I am well qualified therefore to categorically state what a complete mess and state of denial the FOS is in. Until MP's experience this poor level of service I seriously doubt things will change for the better.
  8. In order to qualify for the State pension you have to have made full NIC contributions for a number of years. Is this correct? If so, how many years? I believe the figure is 37 years. I have long been self-employed, low income, unmarried. I am fairly sure I have less than six years of contributions and will not achieve that State pension requirement by the time I reach retirement age, not even close. So, with regard to pensions, is there any point in making voluntary contributions?
  9. READ MORE HERE: https://www.gov.uk/government/news/dwp-announces-extra-support-for-armed-forces-spouses-and-civil-partners-to-help-protect-their-state-pension
  10. Today (6th April 2016) marks the official beginning of the 2016/17 tax year, which brings with it a raft of changes to pensions, tax and savings. Here's a guide to what you need to know. https://uk.finance.yahoo.com/news/handy-guide-tax-010447129.html?cache=clear
  11. Summation of the facts but it does make you think doesn't it. Medical science is helping mankind live longer but it seems that we should feel guilty for being a drain on society for taking our pension that we've paid for. Just to cheer you up……how did a pension we all paid into suddenly become a benefit. ????? Worth some thought - Where did all the money go???? THE ONLY THING WRONG WITH THE GOVERNMENT'S CALCULATION OF AVAILABLE PENSION IS THAT THEY FORGOT TO FIGURE IN ALL THE PEOPLE WHO DIED BEFORE THEY EVER COLLECTED OLD AGE PENSION. WHERE DID ALL THAT MONEY GO? Remember, not only did you and I contribute to our Pension, our employer did, too. It totalled 15% of your income before taxes. If you averaged only £15,000 over your working life, that's close to £220,500. Read that again. Did you see anywhere that the Government paid in one single penny ? We are talking about the money you and your employer put in a Government bank to ensure that you and I would have a retirement pension from the money we put in, it was not money that the Government had any right to spend elsewhere. Now they've started to call the money we paid in an 'entitlement' when we reach the age to take it back. If you calculate the future invested value of £2500 per year (yours & your employer's contribution) at a simple 5% interest (that's less than what the govt. pays on the money that it borrows from overseas), after 49 years of working you'd have £892,919.98. If you took out only 3% per year, you'd receive £26,787.60 per year and it would last better than 30 years (that means until you're 95 if you retire at age 65) and that's with no interest paid on that final amount on deposit ! If you bought an annuity with the money and it paid 4% per year, you'd have a lifetime income of £1976.40 per month. THE CROOKS IN GOVERNMENT HAVE PULLED OFF A BIGGER ROBBERY THAN THE GREAT TRAIN ROBBERS EVER DID. Entitlement !!?? My foot !! IT'S MY MONEY !! I paid IN cash for my pension. Just because they borrowed the money to spend on other things, that doesn't make my pension some kind of charity or hand out!! Remember MP's benefits ? --- free healthcare, outrageous retirement packages, 67 days paid holidays, three weeks paid vacation, unlimited paid sick days. Now that really should be called welfare entitlements, yet they have the nerve to call my O A P retirement payments entitlements ? We're "broke" and the government can't help our own OAPs, our ex-service personnel, our orphans or our homeless. Yet in the past few years we have provided aid to Haiti, Chile, Turkey, India, Pakistan, etc., etc., etc. Literally, BILLIONS of Pounds !!! And they can't help our own citizens ! Our retired seniors living on a 'fixed old age pension have to beg social services to receive additional aid, while our government and religious organisations pour hundreds of billions of £££ tons of food to foreign countries ! They call the old age pension an entitlement even though most of us have been paying for it all our working lives, and now, when it's time for us to collect, the government is running out of money. Why did the government borrow from it in the first place ? It was supposed to be in a securely locked box, not to be used as part of the Government's general funds. PS Our Road Tax payments should go back to paying for the maintenance of our roads, like they were meant for.... Who changed that?
  12. I am 59 years old and was anticipating that in 7 years I could retire and claim my state pension on my husbands N.I contributions. I have heard that the rules have now changed and I could end up with little or no pension at all. I worked full time before I got married but that was 40 years ago... I worked part time in between having the children, caring for my parents and now the grandchildren.. I work 16 hours now a week but I shall never be in a position to have enough NI contributions of my own and no funds to top it up. I have Fibromyalgia and a fair few other health issues and struggle sometimes at work ...I really enjoy my job but don't think I could physically continue into my 70s.. My husband is a year younger than me so will retire later than me, I am so confused with this pension rules and don't understand it all. Any advise would be helpful
  13. The following report has been issued today by Citizen's Advice: https://www.citizensadvice.org.uk/Global/CitizensAdvice/Debt%20and%20Money%20Publications/Thestateofdebtcollection.pdf
  14. Hi, I'm new here. I'm currently on ESA in the support group. I received a letter a few weeks ago saying that as I'm now approaching state pension age ( 6th January 2016) I was going to be paid £111.28p a week as off 25th January. I don't qualify for the full amount of £115 as I don't have enough stamps. My question is...will I be eligible for pension credit on top of my state pension as this amount is a lot less than I was getting on ESA. I live alone. Thanks in advance for any replies.
  15. Hello My mother has received her last ESA payment and is now a pensioner. She receives DLA middle rate for care, what is the maximum savings she can have as a pensioner? Thanks
  16. Me and my partner bought a Vauxhall Astra 1.9 Sri cdti 150bph on the 22nd September 2015 for £3500 from a second hand dealership. The car went off for a MOT before we got it and it came back with advisories which the dealership dealt with. We waited 2 weeks after payment before we actually got to drive it home. A Week later thick black smoke was coming out the exhaust, we immediately took it back to the dealership and they said they would sort it as it was still under warranty. (Swirl flaps needed replacing) they had our car for over a week and when it came back they hadn't done the job properly, they had botched it up. Instead of replacing the swirl flaps they put blanking plates either side of the egr valve and capped the swirl flaps (temporary fix) A day later the car lost power and was in limp mode, when I had a look at the engine the main air intake pipe wasn't even bolted on properly one bolt was missing and the other was extremely loose. The sensor for the swirl flap wasn't connected and was left hanging, the inlet manifold had been taken apart and new bolts put in (not nessesary comes sealed from factory) there is silicone all over the bottom of the manifold where the swirl flap is, the fuel lines were hanging loose, there is a bracket now missing from the back of my engine and nothing was attached. When I rang the dealership they just fobbed me off saying that they had done the job properly and what was I complaining about, when I asked if they would reimburse me to get the car fixed properly they said no as they had done it properly. (I've taken it to a garage for a second opinion and they are agreeing with me, poor workmanship and it needs to be fixed to repair the damage the dealership has done to it looking at £500) I just don't know where I stand. Help me please Thank you in advance
  17. My girlfriend had a number of debts from 2008 and before. She totally ignored them and didn't know what to do and how to go about addressing any of it. Thanks to some very helpful information from this forum - we sent SARs and got back lots of information in 2012. We decided to "sit tight" with everything and wait things out until they became statute barred. As far as I can tell (having waded through the reems of information sent back) they are statute barred now (no payments made in 6 years +).. .with the last one to become so next month - July 2015. This one is still showing on credit record though (only checked noddle recently) - what do we need to do to get it removed as soon as the 6 years from default date arrives? As soon as this hits 6 years - is it worth signing up to Equifax, Experian, (any others?) and reviewing all information on them and ringing / writing to them all to as accounts are removed if over 6 years? Etc? She also was receiving various demand letters from different debt collection companies from about 2009-2013 and early 2014, but this has all dried up now with nothing recieved in over a year. Is it worth sending some kind of letter to any of the companies now to state that no contact should be made again as debts are all statute barrred , or can this just be left as it is now and all paperwork saved in case of future contact?
  18. This afternoon the long awaited judgment regarding Stephen Duff's Judicial Review was handed down by Justice Edes. For those who have been following this case, Stephen Duff (the Claimant) is a Certificated Bailiff and runs a business called ProServe which made a large number of requests in 2014 to DVLA for disclosure of keeper info despite not being a member of an ATA. The judgment is extremely important and no doubt the legally minded members on here will have observations after pouring over the finer details. It is now expected that DVLA will refuse to provide data to any other company who are not members of an ATA. http://www.bailii.org/ew/cases/EWHC/Admin/2015/1605.html PS: If the link does not work......further details and a copy of the judgment can be accessed from the Parking Prankster here: http://parking-prankster.blogspot.co.uk/
  19. Does the UK government have a reserve to meet some of its state benefit liabilities ? I cannot see any mention online and it raised the question as to whether government only meets pension liabilities out of current revenues. UK regulators do no allow pension companies to operate in this way and I would question why government does not appear to put money away, other than a general reserve which is quite small. Of course government can raise taxes and cut spending, but in the years ahead we will have a growing number of people of retirement age and working people increasingly facing reduced real term incomes, because of population growth, increased competition from abroad and technology replacing the need to employ the same number of people. If government struggles to gain the revenues, faces increasing cost of healthcare, education, defence etc and meet with election barriers preventing them from increasing tax rates/scope, then they will get themselves into a hole if another crash hit like in 2007/08.
  20. Apologies for asking such a stupid question but navigating the GOV websites and paperwork has confused me and I am normally good at this sort of thing. I don't know why but today I started worrying about my NICs for state pension even though I am only 40 years old. I am worrying about the qualifying years and having enough credit to claim a full state pension. OK, to be brief: I worked from 18-38 and paid full NI and tax in my job in London so have around 19-20 qualifying years. In Feb 2013 I claimed JSA after being made redundant and was on that for 18 months including my 6 months contribution based, this also included my time at INGEUS up to August 2014 From August 2014 I have been on assessment phase ESA (is that 1 year contributions based even after claiming JSA?) and currently awaiting my assessment (which I will fail as in not get enough points so will no doubt be back on JSA and INGEUS soon after) Although not relevant (I don't think I also get housing benefit) Now, whilst on my JSA and ESA (both C and IB) have I been accumalting credits towards my state pension or would they have stopped atany point so god forbid I struggle for many more years to get a job will I find myself at state pension age with a vastly reduced pension as I think it is 35 qualifying years? As stated, I have built up around 19-20 years to date. Probably panicking well ahead of time but it would be good to know where I stand and also if there is anyone I can contact directly to get a statement. Many thanks in advance
  21. My wife currently gets Additional State Pension on top of her State Pension because she made extra contributions before she retired in 2011. When the new State Pension comes into effect in 2016 it will be at the new rate of £148 for everyone. Will she still get Additional State pension on top of the £148? Or will the £148 be the maximum she will get? It will be unfair and a complete waste of time her making extra contributions if she doesn't get extra!
  22. Lucky me I shall reach the State Pension Age (65) in a few months, and I would appreciate some thoughts on the best way to proceed 1. I currently receive Guaranteed Pension Credit and I have a part time job plus a small works pension 2. I don't intend to stop work at 65 (it would drive me crazy) So, anticipating the soon to arrive bumf from HMG whatis the best course to follw? Defer taking state pension and continue with GPC until such time as I do stop work or?? Any thoughts gratefully received
  23. Some advice please. If I defer my state pension what is the income tax situation when I finally draw it out? Do HMRC assume that it is income earned in that one tax year that I draw it out or would the lump sum be spread over the number of years I deferred it for? Thank you.
  24. I have my dreaded ESA tribunal next week. today I have had a letter from dwp which informs me that due to age change I will receive state pension on 3rd January. I cannot see that anyone would employ me given that I have been ill since 1997 and given that I am so close to retirement. has anyone got any experience of being in this situation and will it be taken into account at the tribunal?
  25. My mum has the opportunity to top up £4k to get near enough the full state pension (due to start in June this year). She was missing a few years of contributions and by topping up, the extra money each week will mean that she will get it all back in about 3 years. I thought it sounded like a 'no brainer' if she has the funds which she does. However, people keep telling her (friend, relatives) that there is no point as the government are going to make the state pension the same for everybody despite contribution levels. I can't find anything about this? Thoughts? Top-up a good idea or wasted money?
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