Thank you HB - please don't spoil your long weekend to get back to me. As we know we have a cashed cheque which is a very good and thanks to your guidance you helped make it happen. 😊
As I said to the helpful person at the FCA - I just wondered when they have ALL our medical history does having varying levels (if that is the correct word) does it really make any difference? In other words if you are a smoker and overweight you would be treated the same if you have heart trouble and cancer.
Perhaps it means once you pass the first test - the rest is irrelevant and the calculator works out figures based on the type and amount of pension you were paying before retirement. In other words it does not need to know about your specific health issues.
i am currently in Payplan with STW to pay £55 per month and not missed a payment in over 2 years
i did however change pay method from DD to online bank transfer, but never missed by payments
To my horror they are reporting that I have missed payments
When I ask them that say it because I stopped paying by DD it does not matter if I continued paying or not, they will report as not paid
Are they allowed to do this, it’s put me in hardship, can’t remortgage because of this blip
Taken to end level complaint and still they say they can report as missed payments and even though in same breath they accept there is no arrears to make up
Please can someone advise me
Many thanks in advance
Thank you for the clarification, that makes sense now.
Ref your point on 3.26, a while ago I think I posted a case study that sounded similar to yours that estimated how much annuity had been lost. That might guide you.
I have to say that I have no experience of actuarial calculations and was useless at maths at school, but I hope we can work through this.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!