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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
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    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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Abbey Life - Past Business Review Annuity Questionnaire


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Good morning HB - I am sending off SAR this morning without any additions or changes.

 

Can I quote what you said please - Your 'thirdly' point. The value of your pension is what it is at your chosen retirement age, it doesn't change depending on your state of health. That fund value is then used to buy an annuity.

 

1. I fully understand what you are saying.

 

2. My point is the value of my husbands pension could and I say 'could be' calculated incorrectly in March 2009

 

For example - I will just quote two figures from their 1991 forecast for a Lower Illustration Growth Rate of 8.5% and 13.00%.

 

(a) At age 65, assuming no further contributions paid - Retirement Fund of £11,500 or £23,500

 

(b) At age 65, assuming further contributions paid by Abbey Life - Retirement Fund of £46,300 or £78,400

 

On the 2 February 2009 - Quotation for options an Open Market Option is £27,285.03

 

So ...... looking at past issues ...... It is only seeing letters just making me 'wonder' for example -

 

6th January 2007 - Our letter to Abbey Life

 

We are writing because of their 'mess up' taking out life contributions from our bank because they were paying it under the Waiver conditions. Our first paragraph states -

 

'Thank you for your letter dated 3 January 2007. Upon reading the contents of this letter I am seriously concerned about the administration of my financial affairs.'

 

 

4th December 2008 - Their letter to my husband

 

Requesting Doctors Statement be returned. The request was on 7th Feb 2007 and it was returned on 12th Feb 2007. So....... over 1 year later they come up with that request!

 

Again thank you HB this support is so helpful to at least be able to work through it all in our heads.

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Hi. I'm pleased you're getting there.

 

I understand your questions; this is the kind of thing the SAR is designed to get information about. I would wait and see what comes back and see if it answers any of your questions. After that you can go back to them with further queries.

 

What are you going to do about the annuity questionnaire?

 

HB

Illegitimi non carborundum

 

 

 

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Hello

 

I thought about doing another recorded delivery letter to that MBA address where questionnaire goes to. Saying something like -

 

On 10th January 2019, I have contacted Abbey Life for some information. I would prefer to wait for Abbey Life to respond before completing questionnaire. Please confirm, in writing, if you are happy for this questionnaire to be put on hold for the time being?

 

Then surely that gives them the opportunity to say there is a closing date - doesn't it?

 

You see HB - if - the completed questionnaire instigated a compensation payment - what if there had been an error? The figure for the compensation could be different - who knows......

 

Your thoughts are appreciated.

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Hello again.

 

I don't really have personal experience of this. I don't see why there should be a cut off date as they don't seem to have rushed to contact you, but you never know.

 

At this stage, I think it could be worth contacting TPAS to see if they can add anything. They have a good reputation and the advice is free, you can ask them about the questionnaire and Abbey's possible error.

 

https://www.pensionsadvisoryservice.org.uk/

 

HB

Illegitimi non carborundum

 

 

 

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No we did not query figures back in 2009.

 

First my step-father died in April 2007 and our mother was left on her own. Then suddenly in the July/August I was given the total shock diagnosis that I had an aggressive form of breast cancer. That meant an operation, chemo (loss of hair) radiotherapy and then 18 i.v. infusions (3 week intervals) of Herceptin.

 

Basically it took two years of treatment and then intensive checks every 6 months. It took five years before I was discharged and thankfully I am still here.

 

So my husband's pension was just allowed to be in the background - maybe because we were not having to find the money each month it was not priority. (I think when he saw the 'payout' figures he thought that's what it is.) Not only that my mother then relied on us.

 

MBA Group envelope has Abbey Life stamped on top of envelope. I asked the Abbey Life person we spoke to on the phone and I think he said they were 'employed' to deal with these questionnaires.

 

I will tomorrow phone the advice line through the link you have given me.

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Well tried at different times but so busy. Didn't do a call back as we had an appointment at vets with our little dog at 2.30. Tried online chat - but 'we' both decided best via phone line. So will phone again Monday morning at 9 a.m. as they are only open Mon-Fri. I have an app at 11.00 for myself but if no joy on first attempt will phone when I get back and I can book a 'call back' Thank you for asking.

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Well phoned at 9 a.m. this morning and got through. The man was quite abrupt said basically I should be talking Abbey Life - did not comment at all on SAR.

 

I explained why we sent the SAR - because of the way Questionnaire was worded and if we answered incorrectly we might jeopardize a claim. (Past errors now raised a questions)

 

I said that I was concerned about a closing date for Questionnaire to be returned and was going to put it in writing. He said quite abruptly do you get statements from Abbey Life! I said 'yes' and he said that you will have phone number so phone them! He said if you have something from a company (the envelope) that is not Abbey Life then you should not speak to them.

 

I said it was Abbey Life who called me back and he said 'phone them!'

 

Maybe I didn't come across right on the phone - so it has made me feel a little unsure - but in my mind I think it is best to write rather than a phone call to Abbey Life -

 

Stating on 10th January 2019 have written to yourselves requesting a Subject Access Report. We have not returned as yet and would prefer to wait for yourselves to respond before completing Questionnaire. Please confirm in writing if you are willing to put this completed questionnaire on hold for the time being?

 

OR - I could phone and ask and whatever they say put it in the letter confirming call.

 

Thank you for the support - just writing this down is helping me clear my head.

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UPDATE: Just phoned Abbey Life - spoke to a Justin - he said just send it in as soon as you can. So will add that to letter - draft below -

 

This morning I phoned your Annuity Review - Dedicated Line and spoke to Justin asking if there was a closing date for Questionnaire and he said just fill it in as soon as you can.

 

On 10th January 2019 I have written to yourselves requesting a Subject Access Report. Before completing Questionnaire we would like to see the information we have requested.

 

Please confirm in writing that you are willing to put this completed questionnaire on hold for the time being until we get the information from yourselves that we require?

Yours faithfully.....

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Thank you HB in my letter - 'report' will be changed to 'request' - my hurry before going out for appointment.

 

Again will send our letter by recorded delivery (i.e. not to MBA Group Limited) but to the address I sent SAR which starts with The Customer Relations Manager, Abbey Life, etc.

 

(I nearly thought about asking what procedure would be if there was a mis-calculation on the final pension figure (in case there was an error in when they started to pay Waiver or Contributions - THEN - I thought 'NO' !!!! Take your advice - wait until I see what we get!)

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Good morning - unfortunately delayed in getting letter in post (have to get in car to get to a Post Office so doing it today) and I wondered about putting email address on bottom of letter.

 

So they could choose how to get the reply to us - or - could it make it more complicated if proof was needed? i.e. If we got no reply they could say we sent you an email must have gone to your Junk mail, etc,

 

Just a thought .....

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I will go with my thoughts as well - keep to letter.

 

Oh! Thought would be a good idea to add in between the already written - 'Before completing the Questionnaire, as we intend to submit it, we would like to see the information requested.'

 

That way they cannot say they thought we might have changed our mind once we see SAR and not bother to complete questionnaire.

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Good afternoon - I have just received a letter in the post in response to our request. I will read it carefully later but thought it would be best to get copies to you. Abbey Life 3 of 3.jpg

 

Just looked at Point 4 - I did write making a complaint about how they managed refund of money taken in error for insurance. So would that be listed as a formal complaint? Also I think, I don't know your thoughts, it does display how they can make mistakes.

 

They ask for GP's Name and Address in order to obtain their consent prior to disclosing it to us. Interesting given we have to provide it anyway in the first place.

 

Ref: No 6 - Other (please provide details) should this be where we put transcript of phone calls? The person we spoke to before said phone calls were made between us. After all we need to prove they did not ask about our health and say that if we went elsewhere we could have been entitled to an enhanced annuity as they did not offer them

 

Thank you and will be in touch.

Abbey Life 1 of 3.jpg

Abbey Life 2 of 3.jpg

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Good afternoon - I have just received a letter in the post in response to our request. I will read it carefully later but thought it would be best to get copies to you. [ATTACH=CONFIG]74707[/ATTACH][ATTACH=CONFIG]74708[/ATTACH][ATTACH=CONFIG]74709[/ATTACH]

 

Just looked at Point 4 - I did write making a complaint about how they managed refund of money taken in error for insurance. So would that be listed as a formal complaint? Also I think, I don't know your thoughts, it does display how they can make mistakes.

 

They ask for GP's Name and Address in order to obtain their consent prior to disclosing it to us. Interesting given we have to provide it anyway in the first place.

 

Ref: No 6 - Other (please provide details) should this be where we put transcript of phone calls? The person we spoke to before said phone calls were made between us. After all we need to prove they did not ask about our health and say that if we went elsewhere we could have been entitled to an enhanced annuity as they did not offer them

 

Thank you and will be in touch.

 

Honeybee - when you have a moment to read this - very grateful.

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Looking at the forms I have copied above -

 

1. I think ALL boxes should be ticked - do you agree?

2. No - 5 This continues over to the next page. Here we can tick - Outset of the Policy to date.

3. Point 6 – Other (please provide details) - here we could write this statement e.g.

 

With reference to Policy Numbers: xxxxx and xxxxx - I require-

 

(a) Copies of all communication between ourselves and internal correspondence with reference to the above policies.

 

(b) Copies of the transcripts must include phone conversations between ourselves.

 

What do you think HB? The reason I have quoted two policies is because it was only my husbands but when he reached retirement age - I get included as a Joint Life Annuity. (Sorry as I say breast cancer got in the way)

 

However, as this is about the possibility of the compensation for 'enhanced annuity' then I thought maybe best make sure talking about both of us.

 

Finally - still no reply asking if they will keep the form regarding a claim on hold as yet.

 

Thank you again.

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Hi.

 

Yes I think that looks OK. It's important not to make your request so narrow that they think they can send less than all the details.

 

I don't think I'd worry too much about the reply to delaying sending the forms at this stage, you have a paper trail. It might be worth revisiting in a couple of weeks.

 

HB

Illegitimi non carborundum

 

 

 

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