Jump to content


  • Tweets

  • Posts

    • I saw a headline about the UK ignoring European laws on cleanliness of water, can't find the article atm. As government climate plan ruled unlawful, Tories hand out fossil fuel bonanza - Good Law Project GOODLAWPROJECT.ORG Firms are set to cash in on a tranche of licences to look for oil and gas in the North Sea, handed out on the same day the High Court ruled ministers’ plan...  
    • yet another Brexitish failure   England set to miss post-Brexit targets to clean up rivers by 2027 INEWS.CO.UK Nearly 80 per cent of England's rivers, lakes and coastal waters may fail to reach a 'good' standard by 2027, a post-Brexit watchdog warns  
    • No. The defence is different. Their defence paragraph 2.7, 2.8, 2.9, 2.10 – for the first time makes reference to an alleged term between the Packlink/EVRi contract which apparently specifically excludes the effect of the Contracts (Rights of Third Parties) Act 1999. If this is true then it is very likely that they will have closed that loophole because the 1999 act specifically allows itself to be excluded by an express term within the principal contract I think that you will have to do ask the court to require them to provide evidence by way of presenting their contract and also the date that this new amendment was inserted. I understand that your claim refers to an item which was lost a year or so ago. These give us the date. We would certainly want to know that this amendment predates the date when you first contracted with Packlink to send the item. I would want to say to the court that in the absence of their willingness to confirm with evidence the date that this contractual amendment was made, that the court should assume that this was a recent amendment and was therefore not in force at the time you made your contract. We have third-party defences on this sub- forum which are fairly recent and there has been no mention of this exclusion of the 1999 act. I think we can take it that this is something that they have put together very recently. Secondly, even if they want to exclude your third party rights, it does not absolve them from the negligent handling of your item and in respect of an action for negligence you have first party rights. You don't have to rely on third party rights – although of course, you didn't allege negligence in your original claim. We didn't advise you to do so. Maybe shortsightedly we didn't foresee this contractual amendment. Of course assuming that this contractual amendment is true – although I expect it has only been added recently – what they are saying here is that nobody in the United Kingdom who makes any contract with any parcel delivery company using Packlink will have the right to bring a claim for lost or damaged or even stolen parcels. These people have lost their moral compass. It is shabby treatment of ordinary customers who pay their money and who repose their trust in these parcel delivery companies. No wonder that the Paralegal Children are now ashamed to sign off these documents with their own names. In terms of parcel tracking information – apparently it has been destroyed according to their own data protection policy. That's their business. It's got nothing to do with you and they can't use this to frustrate the six year limitation for bring a breach of contract action or the three-year limitation period for bringing an action in negligence or other tort. There reference once again to the exclusion of the 1999 Act but this time apparently in the contract between you and Packlink – is irrelevant because the exclusion has to be in the commercial contract between Packlink and EVRi – which they have referred to in their paragraph 2.7 et cetera of their defence. I'm assuming that you propose to go ahead with this case. Please let us know when you respond and we will go forward. In the meantime, I suggest that you write a letter to EVRi. Referred to their paragraph 2.7 et cetera and asked them for a copy of the contract and confirmation of the date on which the exclusion of third party rights term was included in it. Tell EVRi that if they do not answer or if they refuse that this will be brought to the attention of the judge. Tell them also that you notice that they say that they have destroyed data in line with their data protection policy. Inform them that they do not appear to have disclosed this data protection policy to their customers. Please will they forward you a copy of it and once again if they failed to respond or if they refuse that you will bring this to the attention of the judge as well. I suggest that you post a draft of the letter here so we can have a look    
    • Good morning dx100UK Could I send the update to you privately? Regards
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1115 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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

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.

 

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

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

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...