Jump to content


  • Tweets

  • Posts

    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
  • Recommended Topics

  • Our picks

  • Recommended Topics

Guardian Pension Consultants/KJK Investments/G-loans - The buying of shares in a SIPP **WON £33K through FSCS**


Recommended Posts

Good morning , could someone please tell me if shares are bought for me, from money in a SIPP, should the trustees of signed the share form. I have removed my personal details, gut were it states the detail's of trustees is blank.

Thank you.

Link to post
Share on other sites

The sip is run by Guardian Pension Consultants, I have a copy of the share certificate which states I have 61,443 shares @ £1.00 in a company called KJK Investments but is in liquidation.

 

Forgot to add, I have my statement to day from the Royal bank of Scotland that states I have 6p in the sip accout after GPC have taken some of there fee , which is £510 they have withdrawn £294.90, and left 6p.

Link to post
Share on other sites

Not by any chance the same KJK Investments mentioned in this press release: https://www.gov.uk/government/news/companies-shut-down-for-operating-misleading-pension-liberation-scheme

 

If so, I think you may want to take legal advice from a qualified and experienced solicitor with a view to taking action against the trustees.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

No... you can't eat my brain just yet. I need it a little while longer.

Link to post
Share on other sites

filrobbo, did someone advise you to buy these shares? I mean a financial adviser or someone like that, in case you have recourse against them.

 

If you've had a tax bill, did you take cash out of the SIPP?

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Hi filrobbo

 

Sorry but I have had to unapprove you attachment in post#1 could you please ensure any personal identifiable data is removed before re posting

 

Post Re Approved soz filrobbo was reading two different threads at same time

Edited by stu007

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Sheesh! What a complicated web of deceit.

 

I assume you realise that you are unlikely to get any of your investment back however, it is being said that the tax demands from HMRC are being resisted until the situation becomes clearer.

 

You have been swindled and your 'friend of a friend' needs a good talking to.

 

What role did Guardian Pension Consultants Ltd have in this role.

 

From research, the trustees cannot escape some of the responsibility but for things like this, it is unlikely they could be held fully responsible.

 

http://www.wealthtime.co.uk/module/content/42

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

SF, I think if a regulated financial adviser made a written recommendation to buy, they could be held responsible, but maybe there wasn't one from what filrobbo says.

 

filrobbo, did this money come out of another pension fund?

 

HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites
SF, I think if a regulated financial adviser made a written recommendation to buy, they could be held responsible, but maybe there wasn't one from what filrobbo says.

 

20/20 hindsight!!

 

filrobbo, did this money come out of another pension fund?

 

I suspect it was AND he was under 55 at the time

 

HB

 

These 'schemes' are still ongoing, unregulated firms cashing in on the unwary. The only company that is registered is Guardian pension Consultants.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Yes honeybee it was transferred from a council pension fund.

 

I had to put my pension into a SIPP and then invest in KJK Investments, so I could get a loan from a company called G-lones ,

 

I got a loan of £32k, they then took off the interest for the 1st year, I was told if I defaulted on the repayments of the loan, the pension when come to the end of its term, would be used to pay back the loan and interest , I would then receive what was left.

 

Sounds good, but seems I was taken for a ride, but still no debts and I still have a roof over my head, if I didn't get the loan my house would of been repossessed.

 

I have asked for a signed agreement that says, that I authorised a admin fee to be deducted from my account. But still nothing back yet.

Link to post
Share on other sites

I'm sorry to say that I dont think HMRC will be sympathetic to your case as they will believe that you knew that you were knowingly taking part in a tax avoidance scheme. These have been reported often enough in the financail papers.

Link to post
Share on other sites

Has anyone ever used or been party to , a special tax rule called “extra-statutory concession A19” (ESC A19) allows tax arrears to be written off if three conditions are met.

 

The first is that HMRC failed to make “proper and timely” use of information provided to it; the second is that the taxpayer “could reasonably have believed their tax affairs were in order”; and the third that no notification was sent to the taxpayer within 12 months of the end of the tax year in question.

 

1. I filled in a tax form when I applied and transferred my pension for the loan. 2. I thought my tax was in order. 3. The loan and the transfer of pension funds took place in the tax year 2009-2010, I received the first letter from HMRC in Jan 2012.

Link to post
Share on other sites

HMRC used to be quite accepting of these claims but over the last 3 years they have rejected a huge number on the grounds that you should have known that we have made a mistake. When challenged they sometimes backpeddal but they wont for this size of debt. Try one of teh financial help editors of a newspaper, they have contacts and clout as it looks as though you have been missold a product and lost your money so you will elicit sympathy if it becomes likely that the public will get to hear of it adn HMRC may well adjust their figures accordingly.

Link to post
Share on other sites
  • 5 years later...

Hi, good people,

 

                                       I have had some good news, yesterday I received on email from The FSCS, telling me they have completed their investigate into  Guardian Pension Consultants Ltd.

They have awarded me just over £33,000 for the lack of due diligence on their part, on investing my sipp into KJK Investments/G.Loans. I would suggest that everyone that as had dealings with this company, make a claim to the FSCS. 

 

Decision Letter.pdf

  • Thanks 1
Link to post
Share on other sites

hello fil

is this to do with 

THe buying of shares in a SIPP - Pensions - including Pensions Fraud - Consumer Action Group

and is trictrev you too?

or do you want your old thread reopened to update it?
 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

done

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • dx100uk changed the title to Guardian Pension Consultants/KJK Investments/G-loans - The buying of shares in a SIPP **WON £33K through FSCS**

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...