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    • Received paperwork now from them prior to 30th deadline. is it worth uploading here or just send my 181 back with the draft directions from my side? 
    • Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.
    • you NEVER offer PS it opens you up to 6more yrs of harassment as you've ack'd the debt and they'll sell the rest on.   just do the CCA..   its probably very close to SB so they leave things late to get the most interest out of you. if they issue a backdoor CCJ.
    • I have received planning permission to do a loft & kitchen extension.   I have a terraced house.   Re the party wall agreed surveyor, my neighbour to the right is ok to a ‘agreed surveyor’ being appointed by me. However after I received planning permission late in 2018, my neighbour to the left instructed a surveyor.  I spoke to this neighbour last weekend explaining that i am now in a position to hopefully commence the work but that a party wall award needs to be secured. I inquired from them if we can agree an impartial surveyor preferably of my choosing, since i will be paying the fee. The wife said they'd speak to their surveyor, whilst her husband seemed hesitant.   I have now received the attached letter from their surveyor.  His remarks such as '‘after some delay' (surely it is for me to determine when i being any building work on my property having consideration of a myriad of matters), gives me pause as to his impartiality, at that he is not just money chasing.   Is a surveyor permitted to make an approach to a property owner,  re offering to be appointed as the agreed surveyor, in advance of the party wall notices being issued to the relevant neighbour?   I do not trust the impartiality of indeed integrity of this surveyor.   Both my neighbours, already have both a loft & kitchen extended kitchen, so i just don't understand why this neighbour, is seemingly trying to make this process as protracted and even more expensive as possible.   How can i convince them to use my surveyor as the agreed surveyor, short of threats of me not being cooperative of any work they may wish to undertake.   Tnanks   scan0048.pdf
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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      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.
      so far so good....
      • 14 replies
    • 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/
      • 0 replies
    • 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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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My late husband left me two pensions. One with Aviva and another with Standard Life.

 

The terms of the Aviva pension was that 3 years after his death it would reduce by 1/3rd so I was getting £202 per month which has now reduced to £137 per month (wow!)

 

The Standard Life pension was a much smaller one, only £75 per month (even bigger wow!).

 

The Standard Life pension is paid on the 1st of the month. When I checked my bank account I got the shock of my life to find it had been slashed in half to £38 a month. They haven't even bothered writing to me to inform me they were doing this.

 

I phoned them to be told by the young man on the end of the phone that they had written to me informing me that this would happen. When I asked him when they'd written as I hadn't received any letter yet, he said "We wrote to you on the 6th June 2011"

 

That was almost 3 1/2 years ago and the week after my husband died. Sorry, but when you've just lost your spouse, as anyone who has gone through the same thing will tell you, you do not take in anything like that. Everything is surreal for quite some time after.

 

So, this year I have lost £102 per month in pensions, money I can ill afford to lose, especially as recently I lost my job (company went bust) so had no other income apart from these pensions. Because of these pensions I would only have qualified for £5 JSA so didn't bother claiming it as it would have cost me more to travel into town to sign on than it was worth. I did start a new job on Monday so that is good.

 

The Aviva pension, if I'm lucky goes up by 1% per year, the Standard Life pension by even less.

 

I know my late husband paid a lot into these pensions but I feel both these pensions are an absolute rip-off.

 

As far as I'm aware, the "deal" he signed up to ties me to these companies. I am sure I'd get a better return by shopping around elsewhere but I don't think I can even do this. I know the T&Cs on the Aviva one says "non transferrable".

 

Really, these pensions are more trouble than they're worth. What makes it harder to budget is one comes in on the 1st of the month, the other on the 20th.

 

Does anyone know if it would be possible to dump Aviva and Standard Life and roll the two pensions into one with another company?

 

Or, perhaps someone on here might have a better suggestion as to what to do with them?

 

And yes, I am ranting a bit about it as I think it's so unfair that widows are being penalised like this so thank you for reading.

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Hello there.

 

As far as I'm aware, pensions in payment can't be transferred.

 

For more information, you could ring TPAS, the pension advisory service, who give good free advice.

 

http://www.pensionsadvisoryservice.org.uk/different-types-of-uk-registered-pension-schemes-and-related-benefits

 

Sadly if your husband set up the pensions to reduce in this way, that is what the insurance companies will do. I agree that Standard Life could have handled it more sensitively.

 

Was he drawing pensions from these plans at the time he passed away?

 

HB

Edited by honeybee13
Additions.

Illegitimi non carborundum

 

 

 

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Hello there.

 

As far as I'm aware, pensions in payment can't be transferred.

 

For more information, you could ring TPAS, the pension advisory service, who give good free advice.

 

http://www.pensionsadvisoryservice.org.uk/different-types-of-uk-registered-pension-schemes-and-related-benefits

 

Sadly if your husband set up the pensions to reduce in this way, that is what the insurance companies will do. I agree that Standard Life could have handled it more sensitively.

 

Was he drawing pensions from these plans at the time he passed away?

 

 

HB

 

Yes he was. He cashed in the Aviva pension in 2004 after he suffered his first major (and almost fatal heart attack, one doctors call a Widowmaker). He'd just turned 50 at the time and due to the severity of the heart attack couldn't return to his job. He did take another job after several months off so the lump sum was used to sustain us. I couldn't work at the time because my son was also seriously ill - kidney failure which meant frequent trips to hospital 50 miles away. The lump sum he got wasn't that big a sum of money but did help until my husband got another job. At that time the monthly pension was approximately £180 per month. He cashed in the Standard Life pension, later that year but the payout on that was very low. From 2004 to the present day, that pension went up from about £71 to £75, and now, of course, it's been cut in half.

 

I would also like to know just how much these companies take off in hidden fees and charges.

 

I think the whole private pension thing is just a racket and yet another way of lining the pockets of the fat cats that run them and more tax for the Treasury.

 

To be honest, I'd love to offload these blasted pensions - they're more trouble than they're worth and if it was possible to cash them both in I would and reinvest the money elsewhere.

 

Your suggestion of contacting TPAS is a good one and I will contact them next week and see what they have to say.

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sadly once you have cashed in your pension and are receiving the income, that is that

 

The t &cs are set at the time of annuity purchase and cannot be altered, neither can you transfer to another provider.

 

The charges and commissions earned by the insurance companies, have over the years, always been extorionate

 

you have only to look at the likes of NPI and Equitable Life


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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