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    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known.   I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
    • Hi, I have had to hand my notice into work this week due to my Manager telling me that I had lied to him. After we had a talk about it I received lots off emails asking about various things that needed sorted as someone else who I work with made such huge problems, so I was told to deal with it, which I have no issue with. I was also promised bonus money in April due to us doing so well and as off yet I have received nothing.  I was thinking about putting in a grievance but wanted to find out more before I do. I am still employed by them + am still on the payroll. Thanks in advance  
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FSCS Decision letter on Pension

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Dear those who have had decision letter or have Knowledge


The letter said my lost was £80,000 (this is what my pension would be worth)

however the amount they put as transferred was the amount my new current pension is worth £40,000(this is what they awarded me)

however at the time of transfer the amount was £19,000 NOT £40,000.


I am lead to believe that my current pension should not be used as a decision. Only the pension at the time of transfer.


Were they right to use my current pension figure as the amount transferred when it £19,000. less broker fees


My current pension is not income guaranteed it an shared investment policy


They also didn't take in to consideration life insurance attached or brokers or life time brokers fee attached to my pension


Do I need to make a separate claim for life insurances attached to my pension.

I was lead to believe this should of been included in the calculations


Any examples of FSCS Decision well be appreciated feel free to change figures and name


Dear all



The FSCS used my current pension figure as a lost sum however this was not the amount transferred and the model for this pension is not the same as the pension it was transferred from.



They did not include my life insurances attached to my pension or life time brokers fees.






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Hello there.


I've merged your threads, it's best to stick with one.


Can you type up their calculations please, minus any identifiable information? It could help people to advise you.



Illegitimi non carborundum




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Notional transfer value of Civil Service


Pension scheme benefits


£73,995.68 £73,995.68


Valuation of Scottish Widows Pension




£38,524.98 £35500


£73,995.68 £38,524.98 £35,500


Net Lodgements: £35,470.70


Add Interest Equivalent Sum: £0.00


Eligible Amount: £35,500


Less Abatement: £0.00


Total Compensation Payable: £35,500

Total Compensation Paid To Date: £0.00


Total Payment Due: £35,500


The original amount was £21,000,

the new amount of £38,000 is what my pension is now.

Please note I wasn't in the civil service


This does not include my occupation life insurance attached my old pension or life broker fee deductible attached to my current pension.

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so they owe you £35k


All the other valuations, benefits and deductions are taken into account so it matter not what things were

but they are supposed to use an equivalent value to place you into the same position as though you had never left the other scheme.


you claim what is at the bottom of the page, namely £35.5k


Once you retire the life insurance goes out the window so not a consideration

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Thank for your reply.


I'm not retired

my pension was transferred out to another pension provider without good advice


my current pension it's in more of a share type pension scheme

meaning that my pension will not be guaranteed

it can go up or down;


where as with the occupational pension that pension rate is guaranteed at the end of my retirement


I'm to believe that my life insurance would still remain on my pension despite me not actually being within the Civil Service until retirement.

This should of been taken into consideration and they should not of used my current pension scheme as a basis to value my pension


only the amount that was transferred into it

which was £21,000


considuring it was at a loss due to the property crash


I'm confused how this figure can be used.

Edited by vizkij

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Hello there.


Have you asked the FSCS to explain how they did their calculations? You're in the area of actuarial science and I'd be surprised if CAG has anyone who's qualified in that.



Illegitimi non carborundum




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Yes I have.

And having done my own research life insurance (it is also on their example on their website, and guidance)

life insurance must be also included in calculations if on the policy at the time of transfer.


Unless you had to be in the job at the time?

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was this old gov't 6% super annuation scheme and you serp'd out in 1992

when thatcher allowed millions of people to be sc@mmed out of their future pensions by the offer of a £200 backhander



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the life insurance bit disappears when you are no longer paying into the scheme BUT there is an extra payout to dependants if you die withn a short time of retiring. This would apply to those members who were not still actively contributing as well but since you moved your pot out them wouldnt apply.

Go back to the FSCS and tell them that SW have failed to apy the right amount into your pot as instructed. stop going on about the life insurance, it is a red herring and may end up costing you.

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Dx100UK; Hi no; yes heard about it.


Ebrother 09:55

Hi thank for this. Kind regards

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