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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      By dx100uk · Posted

      ah sorry delinquent means it dead so not hurting your file. dx  
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      Hey 👋  thank you so so much for taking the time to give this advice. As soon as we hear back from them I will share it with you. 
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      Hopefully by mid July my credit file should be cleansed. They have said it takes 56 days or they have 56 days. That should be the end of it. I asked if I could have an apology and be compensated. I got a 'we are sorry for the inconvenience' and all we can offer is a £20 voucher to use on studio. I said thanks but I'd rather boil my eyes in acid than shop with you. I wasn't expecting them to compensate anyway, I just thought I'd ask. I just want my credit file sorted, my account closed so I can put this mess to bed. Thanks for the help, hand hold and encouragement, it has been very much appreciated.

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Deferred State Pension

johnjordan

By johnjordan
in Benefits and HMRC

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johnjordan

johnjordan

Posted
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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.

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johnjordan

johnjordan

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Posted
Think carefully about deferment. If you should die before you draw your pension, your spouse won't get it so you will have paid in and got nothing in return.

 

Hmmm. hadn't thought about that. The wife has been deferring hers for 4 years now so better get her to draw it out. She will get less than her tax allowance so tax won't be an issue for her.

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honeybee13

honeybee13

Posted
Posted

Hello there.

 

I could be wrong, but I don't think it's treated as income until you draw the pension and then it's taxed for the relevant tax year. I know people who have deferred theirs and there was no tax to pay during the deferment period.

 

But you're asking about a lump sum? As far as I know, the State pension only pays an income, not a lump sum. Is there something else as well?

 

My best, HB

Illegitimi non carborundum

 

 

 

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johnjordan

johnjordan

Posted
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Basically if you defer your pension it accumulates through the year and they add a bit of interest to it. Also they add a bit more to your weekly entitlement too but it's not much. When you finally decide to draw your pension you get all that you haven't drawn over the years (the lump sum) plus your normal weekly amount from then onwards.

 

Hope that's clear.

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Old Cogger

Old Cogger

Posted
Posted

treated as Income therefore all your Income is added then if pass your threshold then you are taxed on it, usually from the other Income as I found the State pension is not hit to get the tax out of but other pensions etc have the tax taken out of them.

:mad2::-x:jaw::sad:
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