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    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
    • Do you have broadband at home? A permanent move to e.g. Sky Glass may not fit with your desire to keep your digibox,, but can you move the items you most want off the digibox? If so, Sky Glass might suit you. You might ask Sky to loan you a “puck” and provide access as an interim measure. another option might be using Sky Go, at least short term, to give you access to some of the Sky programming while awaiting the dish being sorted.
    • £85PCM to sky, what!! why are you paying so much, what did you watch on sky thats not on freeview?  
    • Between yourself and Dave you have produced a very good WS. However if you were to do a harder hitting WS it may be that VCS would be more likely to cancel prior to a hearing. The Contract . VCS [Jake Burgess?] are trying to conflate parking in a car park to driving along a road in order to defend the indefensible. It is well known that "NO Stopping " cannot form a contract as it is prohibitory. VCS know that well as they lose time and again in Court when claiming it is contractual. By mixing up parking with driving they hope to deflect from the fact trying to claim that No Stopping is contractual is tantamount to perjury. No wonder mr Burgess doesn't want to appear in Court. Conflation also disguises the fact that while parking in a car park for a period of time can be interpreted as the acceptance of the contract that is not the case while driving down a road. The Defendant was going to the airport so it is ludicrous to suggest that driving by a No Stopping  sign is tacitly accepting  the  contract -especially as no contract is even being offered. And even if a motorist did not wish to be bound by the so called contract what could they do? Forfeit their flight and still have to stop their car to turn around? Put like that the whole scenario posed by Mr Burgess that the Defendant accepted the contract by driving past the sign is absolutely absurd and indefensible. I certainly would not want to appear in Court defending that statement either. --------------------------------------------------------------------------------------------------------------------------------------------------------- I will do the contract itself later.
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Cashing in on a pension


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I don't know how old you are Gordon, but think very very carefully about cashing in any pension if at all possible.

What can appear to be a solution to a short term problem you may be having now, can turn and bite you on the bum in later years.

 

The state pension does not give a lot, and certainly not enough to live on if you have any debts or rent to pay as well.

 

You can't go back in time and start one once you reach retirement age finding that you now only have the state pension to live on.

 

Only those who have finished paying a mortgage and now live rent free can really survive on a state pension.

 

If you really need to cash in a pension, make sure you take advice from an 'Independent Financial Advisor' before you make that final 'important' and potentially life changing decision. It cost nothing to get advice, but make sure you ask for 'advice' and not just information, there is a difference.

 

I believe that you get more from a purchase company than by cashing it in with the company running it.

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Hi Gordon, Conniff is right. Think very carefully about cashing in your pension as you will need it later in life and the state pension is only pennies.

 

That said depending on your age, pension type and circumstances there are options available to you.

 

I believe the minimum age to receive a Tax Free Cash lump sum is 50 but the legislation may have changed, as it has been around 3 years since I worked in this area, and it again, depends on the type of pension you have.

 

An Independent Financial Advisor is definitely the best way to go as they will provide you with the best solution to your financial circumstances. They tend to work on one of two basis'. Either they provide the advice for free and will take a commission from the pension/insurance company when work is performed (with no fee payable if you decide to do nothing) or they will charge a fee on a time spent basis.

 

The latter is obviously the best way to ensure their impartiality, but few of us can afford the fees!

 

There are some good IFA's based in London that I have worked for in the past that I could refer you to as a starting point if you would like.

 

Now, there are other companies around who deal only in pensions, and specifically in "cashing them in". You can obtain free information AND advice from them on what is available to you, and they are legally obligated to advise you when proceeding down this route is not the best option for you, but I am sure that this does not always happen.

 

I can, again, give you the name of a reputable firm based in Kent (I used to work for them) who were the only company to not receive a fine and receive a "clean bill of health" during an audit performed by the FSA (Financial Ombudsman) at the time. I don't want to post full details here in case I am breaking any forum rules etc.

 

But be warned, it can be a very lengthy process (2-3 months), and remember that it is not the best solution to a short term problem as you will be leaving holes in your finances during your retirement that you may not be able to make up.

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