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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
    • Click on the SAR link. They will send you everything, that they have on you, screen shot's , emails, etc.  You will be looking for, and will easily find the date that a default notice was sent out, and sold to Cabot. If the default date is before your last payment date then it will be statute barred in 3 months.   Providing the DCA has your current address I really don't think you have anything to worry about. 
    • Is it possible to see my defaults from over 5 years ago anywhere. Not showing on my credit file. I downloaded the whole thing from experian. 
    • Do I just try to say I haven't received there correspondence and ask them to send it recorded delivery and hang it out until 2021?
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
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NHS Pension Problem

 

I have recently been TUPEE'd back to the NHS, April 2016, and was informed that because I had previously been with NHS, 2007-2013 and had opted to recieve my NHS pension when I left, I was not entitled to rejoin the NHS Pension Schemme. Subsequently, I was enroled on the goverment NEST pension scheme, which means my employer, NHS only pays into the scheme the minimum 1% contrubution. I have asked if they would increase my contributions to bring them in line with my colleagues but they have declined stating they have no obligations to increase their contributions. Any feedback would be helpful as to whether I have recourse or not. Thanks

 

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in short, no. You can request to stop receiving the current pension and rejoin the scheme but it will not count as continuous service so the terms may well be different for the 2 parts.

How old are you? 6 years of pensionable service isnt a great deal so if you have a few years to build up a decent contribution it may be worth asking the pension trustee to make a decision to allow you to rejoin but there will be consequences if you have been taking a pension for the last 3 years. they should be able to give you a figure and that means you will need to compare the 2 options.

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in short, no. You can request to stop receiving the current pension and rejoin the scheme but it will not count as continuous service so the terms may well be different for the 2 parts.

How old are you? 6 years of pensionable service isnt a great deal so if you have a few years to build up a decent contribution it may be worth asking the pension trustee to make a decision to allow you to rejoin but there will be consequences if you have been taking a pension for the last 3 years. they should be able to give you a figure and that means you will need to compare the 2 options.

 

Unfortunately, because I am currenty recieving my NHS pension, which started aged 59 Im now 62, I can not rejoin or transfer my current pension pot into any NHS pension scheme. Therefore they have enrolled me in the goverment Nest pension scheme which they contribute 1%. I have asked the NHS pensions advisor whether it would be possible to re-enter or whether they would be willing to contribute more but they have declined both options. Just wondering whether I would have any regress or possibility to procede further.

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yes, go to the pension trustees. You will have to stop taking the pension being paid to you though so decide which makes you better off, losing the current payout and paying in for more in the future or drawing the pension and getting a bit from the stand alone pot. Dont forget, you can possibly cash that in after you stop working for the NHS anyway so effectively you get the same money paid to you tax free compared to just getting it as pay today (plus their contribution)

You cannot pay into a scheme that you are drawing a pension from. This is the main point so you have choices that involve NOT receiving the current pension but only the one offered that allows you to carry on taking this pension.

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