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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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jmg666

Payments made into a previous employer's company scheme

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Apologies in advance if this is a dumb question.

 

 

I worked for a company from approximately May/June 1990 to around March 1992,

during which time I had contributions into their pension scheme deducted from my pay.

 

 

I've just reached 65 and am now receiving my state pension and idly wondered what happened to those contributions, whether it would be possible to get those back, or if I could now legitimately claim a pension (however tiny) from that company?

 

Or is it the case that I've effectively kissed that money goodbye?

 

Any assistance or pointers in the right direction would be gratefully received.

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Hello there.

 

Are the company still in business? Have they been sending you annual statements of your pension entitlement or have you moved and not remembered to tell them?

 

There's also the pension tracing service if you can't find the company.

 

HB


Illegitimi non carborundum

 

 

 

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Hi - thanks for the response.

They're still in business (although the company name changed a few years ago)

but I've never had annual statements from them

– I was made redundant with others who worked on a trade magazine & haven't had any contact with them since.

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OK, thank you. Have you rung them to see if they have a pensions person who can help you?

 

HB


Illegitimi non carborundum

 

 

 

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Not yet – didn't want to ask a question which someone on here might know is pointless and save me some brief embarrassment, tbh.

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The pension still exists,

they just have forgotten about you so you will need to remind them.

 

 

Write to the pension scheme trustees or administrator if you have an address or write to the old company.

If they do not respond in a timely manner them ask the Pensions advisory Scheme to contact them on your behalf.

The PAS do this all the time and have details of many closd schemes ect so will know who to poke.

 

What you will get will depend on the terms of the scheme at the time you were made redundant.

Some schemes had to top up the pensions of people made redundant as part of the golden bullet

but that would only apply if you were of a certain age when getting the boot and for very few schemes.

 

 

Most schemes would freeze your benefits or increase them by a small annual amount and you will now be entitield to the pension accrued from those benefits (final salary scheme)

 

 

If it was a money purchase scheme you now have a pot of money you can either commute to a pension or cash in.

The pot will not be much bigger than what you paid in but it is still yours so dont be embarrassed to demand it.

 

 

Dont accept the first annuity/pension quote and get a copy of the scheme rules if you can to make your decision making easier as you only get one bite of the cherry

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Thanks for the advice - very much appreciated and I will start making enquiries on Monday.

jmg

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Hello again.

 

I don't disagree with EB, but it's worth a phone call on Monday to see if they have a pensions manager. That way you might have news sooner, or a tip on who to ring or write to. [My OH is a pensions manager.]

 

If not, the DWP have a pensions tracing service.

 

HB


Illegitimi non carborundum

 

 

 

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If it was a money purchase scheme you now have a pot of money you can either commute to a pension or cash in. The pot will not be much bigger than what you paid in but it is still yours so dont be embarrassed to demand it.

 

A cautionary tale about a small pension pot: http://www.thisismoney.co.uk/money/pensions/article-3799069/Travesty-vanishing-pension-Paul-s-worth-1-300-90s-year-told-s-left-owes-37-32.html

 

One would hope that over the last 25 years, your small pension pot would have grown by a reasonable amount and is now worth cashing in.


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Thanks for the cautionary tale, Mr P – hopefully not going to have those sorts of issues, but who knows? Pays to know the downsides as well as the ups.

jmg

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There is a division within the DWP that is able to trace any pensions that you may have forgotten about. I am also fairly sure but not positive that it is also the duty of the trustees of the pension fund to notify the DWP of this pension. If a small pension probably worth taking it as a lump sum and then claiming back any tax paid.

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yes, but they bottled out an dpaid him with a small profit once their scheming and churning became public knowledge.

A cautionary tale about a small pension pot: http://www.thisismoney.co.uk/money/pensions/article-3799069/Travesty-vanishing-pension-Paul-s-worth-1-300-90s-year-told-s-left-owes-37-32.html

 

One would hope that over the last 25 years, your small pension pot would have grown by a reasonable amount and is now worth cashing in.

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yes, but they bottled out an dpaid him with a small profit once their scheming and churning became public knowledge.

 

However it does make you wonder how many other people have been caught out and never knew about being able to claim anyway. May be in the thousands?

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an awful lot, there was another case in today's Money Mail. The general scheme of things tends to be outrageous managemtn and other fees that breach unfair contracts legislation and also amount to unlawful penalty charges. I think the answer is to be both persistent andpersuasive-let them know that you intend to publicise their behaviour as that seems to have more effect than just telling them they are breaking the law.

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