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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 unt
  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. Today 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
  12. 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
  13. 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
  14. The following report has been issued today by Citizen's Advice: https://www.citizensadvice.org.uk/Global/CitizensAdvice/Debt%20and%20Money%20Publications/Thestateofdebtcollection.pdf
  15. 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.
  16. 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
  17. 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
  18. 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
  19. 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 ot
  20. 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 fa
  21. 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
  22. 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!
  23. 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
  24. 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.
  25. 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?
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