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      There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

FIL pension

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labrat

labrat

Posted
Posted

This really is just a placeholder until I get hold of the full letter tomorrow but any advice is appreciated as with only being 30(ish) I have no experience with pensions

 

My father in law has been receiving letter for approximately 8 years or more stating he has approximately 38,000 in a pension

 

He is currently 63 and has been waiting to pull part of this out towards a new caravan

 

Today he has received a letter "politely" advising him that there has been an administration error and that his pension was converted into an annuity 8 years ago and therefore there is nothing in his pension pot and that they hope that "this will not cause him any stress"

 

He has checked and apparently he has been receiving £10 a week/month (wasn't too clear on the phone) but he can't remember ever signing up to this

 

I will get hold of the letter tomorrow hopefully and be able to give more story but he also has yearly statements for the last 8 years stating this money was waiting for him and is obviously distraught

 

Any advice?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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labrat

labrat

Posted
  • Author
Posted

Thanks honeybee I will do asap

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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dx100uk

dx100uk

Posted
Posted

read upload

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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labrat

labrat

Posted
  • Author
Posted

please find attached the documents, i believe i have removed all the relevant data

 

sorry they are not the best images but uploading from work means i have to do it when they're not looking

pension.pdf

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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honeybee13

honeybee13

Posted
Posted

Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

Illegitimi non carborundum

 

 

 

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labrat

labrat

Posted
  • Author
Posted
Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

i would assume the defendant is indeed his wife

the £550 is apparently yearly not monthly

as for the 3% increase he has no idea as he has never had any sort of statement about this annuity - only statments saying his total pension pot value

 

he also has no memory of agreeing to an annuity, and although it suggests a tax free payment on the letter he is also fairly certain he has not had one

 

i know it sounds like closing the door after the horse has bolted but is it worth doing a SAR or whatever the GDPR equivalent is to get the documents where he agreed to this?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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ericsbrother

ericsbrother

Posted
Posted (edited)

there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

Edited by dx100uk
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Ethel Street

Ethel Street

Posted
Posted
Thank you for that.

 

 

Assuming the plan numbers are the same in both sets of correspondence, that seems to set out their position. Has FiL been receiving £500 plus a month with 3% increases? I see it also pays a dependant's pension, presumably a spouse?

 

 

HB

 

It was Gross £559 a year HB so about £37 a month after 20% income tax deduction when it started in 2011. With 3% annual increases now around £43 a month after tax.

 

 

Your could certainly do a SAR labrat and get copies of his instructions in 2010, assuming they exist. I'd guess he did give instructions even if he doesn't remember it or didn't understand what he was instructing.

 

Do you have his bank statements? Can you check he has actually been receiving the pension since January 2011?

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labrat

labrat

Posted
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Posted
there is an exactly matching case in todays Daily Mail financial section.

If the policy holder takes out any amount as cash for whatever reason the rest of the pot is converted to an annuity automatically.

 

back in 2010 this would have been the only legal way of taking cash out without penalty or paying tax so it looks as though there is nothing that can be done as long as he has been getting the pension each month/year.

 

Advice at the time would have been to either pay tax on the withdrawn money or transfer the balance to another scheme but at the time the pension co would have the whip hand and could have made that very difficult until after april 2010

 

When exactly did FIL take a cash amount of the pot as he mght have recourse to comaplin about incorrect financial advice/actions is after the pension reform start but not leave much room for change now as it is a bit late.

 

Most likely get a small top up or compensation if things go his way.

If before april 2010 then he will get nowhere.

 

going off the letter it was done december 2010 so will chase this thank you

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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labrat

labrat

Posted
  • Author
Posted

cant seem to edit so sorry for double post

 

just checked down pension wise and apparently he should have been put on an enhanced pension with being diabetic

is this also worth chasing?

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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ericsbrother

ericsbrother

Posted
Posted (edited)

yes,

try and get the info as they should have offered him a transfer of balance if they didnt want to keep the rest of the pot as a pot.

By then the law had changed and they couldnt force people to take an annuity in that way.

 

get what you can and then go to the PAS and eventualy the Pensions Ombudsman if the PAS think it has legs.

 

As 8 years of paying out a pension have passed it would be unusual (but it does happen) to get an order that forced them to hand over a pot of money now but getting an enhanced payout backdated is easily doable

Edited by dx100uk
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labrat

labrat

Posted
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Posted

Will update as I can

 

I only see FIL once a week so may take a while

Please note:

 

  • I am employed in the IT sector of a high street retail chain but am not posting in any official capacity,so therefore any comments,suggestions or opinions are expressly personal ones and should not be viewed as an endorsement or with agreement of any company.
  • i am not legal trained in any form.
  • I have many experiences in life and do often use these in my posts

if ive been helpful kick my scales, if ive been unhelpful kick the scales of the person more helpful :eek:

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