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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
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    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
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Does anyone have points of reference for failed pension schemes they could nudge me in the direction of please?


No urgency (I'm 46 so it'll probably all change before I get there)


For a little background, I paid into a scheme for 20 years to a total of something iro 60k, my employer ( I thought) was matching same but apparently took a few years off here and there and paid nothing into the scheme during its final 4 years.


I received a notice from the trustees and L&G who now manage the fund about 4 years ago advising it was only able to sustain those already in retirement or due to retire within the next 2 years.


Do I have any recourse to recover anything at retirement?

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Contact the Pension Advisory Service and they should point you in the right direction. Pensions are a bit of a minefield.


There is a pensions regulator who can look into complaints.

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Hello there.


Do you know what type of scheme you paid into please? Was it final salary [defined benefit] or money purchase [defined contribution]?


And over the years, did you receive any correspondence about employer contributions and whether they were being paid or not?



Illegitimi non carborundum




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Morning UB & HB, thanks to both of you for looking in.


I think I'm going to have to trawl through the loft to be sure, I was 20 when I joined the scheme and whilst I've got a fair idea of who, what, where and when I'm not 100% on the facts.


From memory there were 3 schemes all contribution based all with differing levels of benefit, death in service, widow pension etc. Scheme 1 was 3%, 2 was 4% and 3 was 6% with additional vc's capped at 5% and employer contributions capped at Max 6% match.


I paid in at 6% for the first ten years and 9% for the latter 10 years. I seem to remember receiving notices from the trustees perhaps 3 or 4 times over the whole period advising there would be no employer contributions in a given year.


Will do some digging during the week and see what I can find.

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Hi Honeybee & uncleb


Hopefully you'll spot this and have a better understanding of it than me


After much pestering it turns out there was an error in the data held by L&G, it seems an issue I had with national insurance prefix threw a spanner in the works...to cut a long story short my employer at the time recorded my NI number NM instead of NP and my contributions went walkabout for the first 12 years of employment!


Have now discovered I joined the scheme on my 18th and left employment (and the scheme) when I turned 37... so 19 years total.


Anyway... I finally have a breakdown of pension benefit for normal retirement date which is made up of 4 elements


1. Pre 88 secured minimum pension £52.08

2. Post 88 secured minimum pension £1579.92

3. Standard revaluing pension £5285.76

4. Post 97 pension £2088.72


Total at date of leaving service in 2004 = £9006.48


It then goes on to state that 1 & 2 grow at 6.25% compound per annum from 2004 to retirement, then at 3% compound thereafter.


3 & 4 grow at RPI to 2010 then CPI thereafter to retirement age ( I think this has averaged circa 2.5% since 2004?), then at 3% compound thereafter.


I had a brief chat with them today regarding up to date figures and they advise they'll be writing back to me within the next few days.


Not sure what tools there are available online to compare the values with the known amounts I paid in, do these look reasonable?? I thought they looked OK but that may be more to do with what I thought I didn't have a few months back :-(


Also contracted out of serps and been self employed for the last few years so not exactly sure what entitlement I'll have to any state pension.

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Beyond my level of knowledge unfortunately. You need someone who deals with pensions on a regular basis to answer this.


If you google pension calculators there are many, but I am not sure whether any would help.

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Agree with the advice to talk to The Pensions Advisory Service. Very complex area, impossible to answer properly here. I question whether it has anything to do with Annuities, it seems to be about an occupational pension scheme. It sounds as if this might have been a defined benefits (final salary) pension scheme because employers usually only take 'contribution holidays' in those sort of schemes. A common reason for scheme members being told what you've been told is because the employer has gone out of business leaving the pension scheme underfunded. If that's the case there is a government fund called the Pension Potection Fund designed to take over payment of some of the benefits (up to certain limits). This might be relevant to your situation - or it might not. Get specialist advice, and do it now - don't wait until you're 65!

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Thanks both, no worries.. I hear what you're saying.


Re: annuity; its been the better part of 30 years so my memory is a little hazy. I did manage to find the original bumf and it was def an annuity purchase scheme at inception although I'm aware the scheme changed several times over the years (what I did with the paperwork I haven't a Scooby) Defined benefits (final salary) were only available to management in the early years. My policy is described as a part of a bulk annuity agreed between L&G and the trustees. The business sold up its UK interests in 2007 so no longer trades here.


Had a chat with TPAS who advised what info to ask for and why so they can provide me with a little insight into what's gone on and whether everything is now an accurate representation, very helpful people.

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