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    • Hi Everyone,  I am the seller in this case and want to thank the buyer for their support.  The bike was delivered to the local Hermes Parcel Shop really well packaged and sealed on the 3rd Feb with a receipt obtained.  Sadly the parcel was emptied on route to the buyer.   I had listed the bike for collection only however the buyer messaged and asked if we could arrange a courier to which I agreed and they organised that.  When the bike went missing I contacted the local police as the Hermes parcel shop said they would not release CCTV to me.  We got all this from the Police.  since then the buyer has tried his very best which I am grateful with Hermes and parcel2go but is struggling.  Any help is appreciated. 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Pension Credit query.. please


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Hello… I wonder if anyone can help with this, please?

 

A friend of mine who is 63 has been working on a freelance basis, but now finds that the work has dried up.

 

He receives a private pension of around £300 per month, but has no savings or assets.

 

He is separated from his partner who continues to live in their jointly mortgaged home, whilst he lives rent free with a relative.

 

Can he claim pension credit, or would he need to sign on as a jobseeker, please?

 

Thanks in advance.. any advice would be much appreciated. TB

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If your friend is 63 his pensionable age will be 65 and so many months depending on his exact date of birth.

 

 

He will be eligible for pension credits at the same time but how much will depend on his total income including all other pensions.

 

 

In the meantime if he is unemployed and wishes to claim benefits he will need to sign on as a jobseeker unless he is disabled in some way and can't work.

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although his qualifying age is 65 for retirement pension

 

at 63, he is already old enough to qualify for guarantee credits (please note that the fact that he jointly owns a property may affect any entitlement)

 

he does not need to sign on

If you have found my post useful, please click on the star at the bottom of my post and add some reputation points.

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Thank you for the advice… yes, I was wondering about the joint ownership of the house… but it doesn't provide any income, as his wife is living there, so I'm not entirely sure why it might affect his entitlement to PC.

 

TB.

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This is what rights4seniors say about guarantee credits:

 

Guarantee Credit

 

Guarantee Credit is for people aged over the female State Pension Age at least. It can top up your weekly income to a minimum level set by government.

 

The standard minimum guarantee level for 2015 - 2016 is currently:

 

  • £151.20 for a single person
  • £230.85 for people who are married or living together as a couple (including same sex couples)

For a couple, only one person of you has to be over the minimum age.

Therefore, if you have an income lower than these amounts, it will be topped up to reach this standard minimum guarantee. Indeed, you may still be able to get a Guarantee Credit if the money your partner has as an income is more than these levels.

Full details can be accessed on this link:

http://www.rights4seniors.net/content/guarantee-credit

Does this mean that someone aged 63 with no other income should be able to claim for the full amount of £151.20 per week Guarantee Credit, not Pension Credit, (less, in this case, income from private pension) and does not need to sign on for JSA or any other benefit?

If the ownership of property prevents him from getting the Guarantee Credit, would he still be eligible for JSA?

Thank you for the correction and the clarification.

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State Pension Credit has two parts - Guarantee Credit (SPGC) and Savings Credit (SPSC). A person who is 63 today would be entitled to Guarantee Credit even if their State Retirement Pension age is older than that - the idea, I think, is that the SP Guarantee Credit age will be the same for men and women even though the SRP age is different.

 

A private pension would be counted as income and fully taken into account, that is, fully deducted from SPGC payments. The house would be a bit more complex: I think it would count as capital since the OP's friend does not actually live there. If it were up for sale it could be ignored for a period of time.

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Would it be correct to say that those rules on Guarantee Payments do not apply to anyone (male) born after 01 January 1954?

Do all parties to a joint mortgage have to contribute to the mortgage payments? What might happen to them if they can't?

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This is what rights4seniors say about guarantee credits:

 

Guarantee Credit

 

Guarantee Credit is for people aged over the female State Pension Age at least. It can top up your weekly income to a minimum level set by government.

 

The standard minimum guarantee level for 2015 - 2016 is currently:

 

  • £151.20 for a single person
  • £230.85 for people who are married or living together as a couple (including same sex couples)

For a couple, only one person of you has to be over the minimum age.

Therefore, if you have an income lower than these amounts, it will be topped up to reach this standard minimum guarantee. Indeed, you may still be able to get a Guarantee Credit if the money your partner has as an income is more than these levels.

Full details can be accessed on this link:

http://www.rights4seniors.net/content/guarantee-credit

Does this mean that someone aged 63 with no other income should be able to claim for the full amount of £151.20 per week Guarantee Credit, not Pension Credit, (less, in this case, income from private pension) and does not need to sign on for JSA or any other benefit?

If the ownership of property prevents him from getting the Guarantee Credit, would he still be eligible for JSA?

Thank you for the correction and the clarification.

 

Many thanks for the link… I notice that their address is in Ireland and wonder if it's different there?

 

I'm not sure how a mortgaged house can be seen as capital, especially as my friend's property has no equity in it.

 

His private pension income being around £300 per month means he is well below the minimum needed to live on. TB

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State Pension Credit has two parts - Guarantee Credit (SPGC) and Savings Credit (SPSC). A person who is 63 today would be entitled to Guarantee Credit even if their State Retirement Pension age is older than that - the idea, I think, is that the SP Guarantee Credit age will be the same for men and women even though the SRP age is different.

 

A private pension would be counted as income and fully taken into account, that is, fully deducted from SPGC payments. The house would be a bit more complex: I think it would count as capital since the OP's friend does not actually live there. If it were up for sale it could be ignored for a period of time.

 

Thanks for the info. So even though he only has just the one (mortgaged) property, it still counts as capital? TB

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This site may be more appropriate and it also goes into more detail:

It addresses property and mortgage questions too.

It also has a 'calculator' which your friend can use to give some idea of what exactly his entitlement might be.

http://www.ageuk.org.uk/money-matters/claiming-benefits/pension-credit/who-can-claim-pension-credit/

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Would it be correct to say that those rules on Guarantee Payments do not apply to anyone (male) born after 01 January 1954?

Do all parties to a joint mortgage have to contribute to the mortgage payments? What might happen to them if they can't?

 

 

To the first question, I think the general idea is that SPGC is available to men if it would also be available to a woman with the same birthdate. But I believe that right now it is not available to those born in 1954. Such people would need to claim JSA, ESA or IS depending on circumstances.

 

On the second question, I suppose that varies per the terms of the mortgage. The one time I actually had one, my (then) wife and I were jointly and severally liable for the payments, so the lender could pursue either or both of us for any outstanding amount.

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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Thanks for the info. So even though he only has just the one (mortgaged) property, it still counts as capital? TB

 

Correct - a property counts as capital whether or not it is mortgaged. The issue here is that it is not his primary residence, which is always disregarded - in effect, he would be treated as owning a second home.

 

For SPGC, the first £10,000 of any capital is disregarded. After that, £1 per week is deducted from SPGC entitlement for every £500 of capital over £10k. There is no upper capital limit. A property will be assumed to be worth its fair market valuation less 10% "costs of sale".

PLEASE HELP US TO KEEP THIS SITE RUNNING. EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

The idea that all politicians lie is music to the ears of the most egregious liars.

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This site may be more appropriate and it also goes into more detail:

It addresses property and mortgage questions too.

It also has a 'calculator' which your friend can use to give some idea of what exactly his entitlement might be.

http://www.ageuk.org.uk/money-matters/claiming-benefits/pension-credit/who-can-claim-pension-credit/

 

 

Thanks very much! I will pass on the link… TB

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Correct - a property counts as capital whether or not it is mortgaged. The issue here is that it is not his primary residence, which is always disregarded - in effect, he would be treated as owning a second home.

 

For SPGC, the first £10,000 of any capital is disregarded. After that, £1 per week is deducted from SPGC entitlement for every £500 of capital over £10k. There is no upper capital limit. A property will be assumed to be worth its fair market valuation less 10% "costs of sale".

 

Many thanks… I am sure my friend will be delighted to learn that he now owns two properties! Odd that a home with negative equity can be treated as capital, though. TB

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