Jump to content


  • Tweets

  • Posts

    • I'm just trying to be practical Do A Deal.   Mediate - they will give you few option and maybe nothing - but get rid of the default - off your record not just settled or satisfied.   Whatever you agree to make sure you stick to it or they might be back. Once it's over it will be behind you.    
    • Hi guys,    I got a straight lettr from Debt Recovery plus, and no other notice. the car is leased and I beleive it went to the lease company first. below is the details    For PCN's received through the post [ANPR camera capture]   please answer the following questions.   1 Date of the infringement    26/06/2019   2 Date on the NTK [this must have been received within 14 days from the 'offence' date]   Not sure, as the lease company recieved this. I only recieved a leeter from our registered address on the 11.09.2019 requsting £160, and than further letter on the 20.09.2019 with a notice to court   3 Date received   Not sure, as the lease company recieved this   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?]   Not sure, as the lease company recieved this   5 Is there any photographic evidence of the event?   Not sure, as the lease company recieved this   6 Have you appealed? [Y/N?] post up your appeal] Have you had a response? [Y/N?] post it up   No, I have called them to ask for the original notice, and they said they will email this, but this has not happened. this was on the 20th September at 13.49   7 Who is the parking company?   APNR Parking Services Ltd   8. Where exactly [carpark name and town]   Prioiry Walk Service Yard, Queen Street, Colchester CO1 2PL   For either option, does it say which appeals body they operate under.   Does not state this    I fear that I cannot appeal because of the delay from getting it from the lease company, etc.    any help here would be greatly appreacitted   thanks   Irfan Khan     WORKFORCE - 11.9.2019.pdf WESL - 20.9.2019.pdf
    • Neither does your posts as we have already seen .. in posts 7 and 8           and still none.  
    • Hello,   i have recently missed a DD payment to X4L and have incurred a charge from harlands of £25, which i emailed in response to advising not  to take the payment on the next DD date due as advised in the letter received.   i confirmed over the telephone this was the appropriate action to take.   fast forward a week or so later and i get another letter advising another £25 has been added to the account despite my request.   i have absolutely no issue with payment of the first charge as this is my own fault etc. however i feel like the second occasions is ridiculous as i received no correspondence to advise it would still be taken...   Is this entirely my fault or am i within my rights to not make payment of the second charge?   i have looked through many forums and each case seemed to be ever so slightly different and wanted to ask the question?   thanks!!   
    • I don't know if this will be of any use for you but I have very  recently had a small claims against Lowell for the removal of my default from my credit report. Forget Principles! Right or wrong. Due or not due. Pay it and move on. Get out of there asap. Feel sick - I did and do. Get it settled or satisfied. (Settled paid in full. Satisfied part paid Do a deal and get it in writing.  Unless you have £1,000+ to lose or feel lucky? Remember it's the lottery in reverse and you have just won the..... Lowell fish in a barrel award.  Lies, dam lies and statistics. Then there are the mobile phone companies and Lowell.  £320 (12m -  £25pm/£6pw/ couple of pints a week?) v ? You need a solicitor or barrister? Costs if you lose plus theirs? Plus six years of misery - do not go there. In reality to do it properly you need to put £3,000+ in a bank and write it off if you lose. Appeal? Advice - look at the downside. As the Judge said why not just pay it - because I don't owe it is surprisingly not the right answer. Remember it is a lottery and work out the odds.   My case: Lost.It was quite apparent the judge had little time, knowledge of the Data Protection Act, no knowledge of the Law of Property Act 1925 ( labelled as 'archaic' and then 'technical'  and no conception of how Credit reference Agencies work. They had a barrister who he 'conferred' with and a witness statement from the Lowell Barrister. Whatever they said was llke the word of god.  Whatever I said was taken the opposite way. The judge claimed to have never sent anything by recorded delivery and the barrister..oh i agree! LPA s196 (3) includes a postman delivering by hand and S196 (4) recorded delivery is therefore only optional! If only I  had a few million spare.
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3413 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello all,

 

I'm hoping that there is a pensions expert in here tonight.

 

I began working for the NHS in 1988 and joined the pension scheme at that point. I paid into te scheme for approx 18 months to 2 years. Following some really really bad advice i left the scheme and rejoined in April 1995. I did have Mental Health Officer Status in 1988 and I am aware that this stopped in March 1995.

 

I was informed around 10 years ago that I did not have MHO status and at that point I challenged this and was informed that I did have MHO status.

 

I recently received a pension forecast and it states that I do not have MHO status!

 

I am waiting to speak with the pensions manager at work and I have asked Unison to look into this matter but I am really worried that having thought I had MHO status I have in fact not!

 

Does anyone have any information on this matter?

 

Sorry for the long post.

 

Regards

Sandbag.

Share this post


Link to post
Share on other sites

Hi there. Have you posted anything about this on the NHS forum? Not a duplicate, obviously.

 

I understand some pensions matters, but this MHO thing doesn't happen in other schemes. Please could you explain why it's important to your pension forecast and what difference it would make?

 

As this is so specialised, I don't know if it's even a pensions or employment matter yet. Does your contract of employment say anything informative about your status and the pension scheme? I imagine you're in the final salary one?

 

My best, HB

Edited by honeybee13
typo.

Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi Honybee thanks for your reply.

 

The MHO status is important as it allows me to count each year of MHO membership over 20 years as 2 years for benefit purposes. I would be able to retire at 55 years with full pension, after 30 years service.

 

Regarding my employment contract - that would probably tell me what my status is so I will have to get hold of it and check.

 

Thanks again,

Sandbag.

Share this post


Link to post
Share on other sites

Hello there.

 

When you rejoined the NHS scheme in April 1995, [so just after MHO status stopped?], did they put in writing to you? And do you have the letter.

 

Did you ever complain about the outfit that advised you to leave a very generous scheme? Seriously bad advice, as you say? Because if you were reinstated by the adviser, you were normally entitled to be put back in the position you would have been in, had you not been misadvised. Meaning MHO status.

 

I hope that makes sense, it's always hard to explain pension stuff. I'll have another go if you need more, but I'm off out for a while now.

 

And please post anything in writing that you think could be relevant.

 

You may find that this is a misunderstanding that the NHS can change, but otherwise these are the questions you will need to address.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi Honeybee,

 

I cannot remember who advised me - it was a group of salesmen that came to the nurses home and at 20 years old i was not thinking about my pension - big mistake!

 

'If a member has had a break in membership of any one period of 5 years or more and rejoined the NHS Pension Scheme on or after 6 March 1995, MHO status cannot be granted.' This is whats worrying me as I did have a break in membership lasting 5 years, but -

'These special rights ony apply to scheme member who were in any of these jobs before 6 March 1995, and who:

  • Have not had a break of 5 years or more in any pensionable employment, and
  • Satisfy the special class or MHO conditions outlined above.

Special class status will not apply to anyone who started working in one of these jobs for the first time on or after 6 March 1995.' - I was in post in 1990 after qualifying and had paid into the scheme from 1988 to 1989.

I have not had a break in pensionable employment.

 

 

So what I'm saying is that MHO status was granted to me in 1988 and I have not had a break in employment since, so I feel that I should still have MHO status.

 

 

It's not looking good though is it!

 

 

Cheers Sandbag.

Share this post


Link to post
Share on other sites

Hello all ,

 

I have spoken to the pensions manager who has confirmed that I do not have MHO status. As I had a break in contributions for 5 years I lost my MHO status. She has advised me to write to the NHS Pensions organisation.

 

So it looks like I missed out by one month!

 

So now I need advice on how I can better the pension I have got now.

 

Regards,

Sandbag.

Share this post


Link to post
Share on other sites

Well, advice on how to better your pension is highly regulated, so none of us here should probably be telling you that. I hope it's generic advice to say that you should look at buying 'added years' from the NHS scheme if they still offer them, or some other outside additional pension that can run alongside the NHS one.

 

But did you answer my question above about whether the idiots who took you out of the scheme compensated you or put you back in the position you'd have been in if you hadn't taken the bad advice? That's what the pension misselling debacle was all about. But did you keep anything in writing about MHO status when you were told you'd kept it?

 

HB

Edited by honeybee13
typos.

Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...