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    • They can’t make you attend an interview, but can make inferences from your failure to attend, and it might help them chose between an administrative settlement and a prosecution.   If you chose not to attend / attend and not answer, expect to be warned “it may harm your defence if you fail to mention something that you later rely on at court”.
    • HI, We are in  the same postion as you, we had a house fire and was  put in hotel for 2 days  and now council are saying they stopped our H B , even though we didn't know until  rent arrears had built up to £515 , and that was only because we had a phone call form our  H A , we never ever received the letter they sent out saying it had been cancelled we go back to our home 3/4 times a week for mail,  So now we have been give Notice of Possession  and have appealed and been refused, the  H A  were the ones who cancelled our assured tenancy on the day of the fire, and now they have admitted fault and have changed the date so our temporary  address runs  straight on including the H B , I have sent them the information as  well for the group Entitled  to , which you have put on here,  Our time is running out we now have 11 days to Appeal to the Independent Tribunal, we dont want to claim U C , as neither of us are very computer savvy , but mainly because this is NOT  our mistake, I have all the emails where the H A have admitted their errors and changed the dates , these have all been submitted  to the council who pays the H B , but they have still not given us another answer ,even with all the information  and emails from me and  our H  A ,  Please can anyone advice { did go to C A B } but with respect didn't help that much ,  The letter we recently had form the council keeps stating  they ended our H B   due to regulation 79 of the Housing Benefitd Regualtions 2006 ,BUT  it was our H A  that ended our  tenancy on our old property while we stayed in  temporary property in same area.  We have lost our home in that fire and I think we are now going to lose this one, due to people  not doing their job properly.  I am 63 and my husband nearly 60 , and we claim ESA , DLA AND CARERS ALLOWANCE  and have never been in debt , rent or otherwise,  So any advice please x
    • Hi, Thanks for replying!  It was a paper ticket, I was asked to sign it before they let me go.  Is the interview compulsory, I am worried I would slip up during it and leave myself in more trouble then I already am. Thanks, S
    • Hi Surfwalkersteve,   It's likely they will invite you in for a further interview to establish any other facts about your journey history. As it stands you just need to await their correspondence as has been advised already. I assume they have the ticket in their procession as evidence? I've skimmed through this thread but get the impression its a paper ticket rather than an oyster/smart card type? They will be able to find out which barriers the ticket has been through, as any ticket office can perform this check.   Regarding the fine; If it goes to court, the maximum fine is £1,000 (plus costs etc.), however, this is unlikely as all fines are means tested and unless you're either very wealthy and/or very persistent, you'll usually be fined a lot less.
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Pension claim due to opting out

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Hello all this is my first post so be gentle!


Im currently going through a complaint with my Pension Provider from my previous company


It basically consists of the company requested me to opt out of the scheme in 1990 for a cash lump sum payment - basically I was Induced and took the bait with no financial advice whatsoever - its taken a year for the company to finally respond via a solicitor of whom have totally disregarded my claim and put the emphasis on the limitation act 1980 - here is a snippet of the response : 

The Limitation Act 1980 sets out the time
periods for which any claim must be pursued. A claim in contract must be pursued within 6 years of
the accrual of the cause of action. In your circumstances the cause of action accrued at the latest
when you re-joined the Scheme in 1996. Therefore any contractual claim would have expired by
2002. Any claim in tort (for example a negligence type claim) would again commence, at the latest,
from the time you re-joined the Scheme in 1996. Tortious claims are subject to s14b Limitation Act
1980 which imposes a 15 year Iongstop period within which, under certain circumstances, claims
can be pursued. Even under those circumstances any claim must have been pursued by 2011.
Due to some serious digging, I have become aware of the section 32 :
  • "any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant".

I only became aware of my short fall last year when i received my full statement telling me of the years I contributed to the scheme

Im fully aware of me opting out of the scheme but feel that my losses were concealed until i have reached retirement age - I managed to re enter the scheme some years later but have only managed about 9 years pension out of 18 years service


Your thoughts?  I have instructed the Pensions Ombudsman to look into it for me as well






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you need to speak to the pensions advisory service and if they think their is mileage in this take the matter to the pensions ombudsman

As they asked you to opt out the the point about concealment is relevant. If you had been persuaded by some salesman or demanded to opt out that would be different

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17 hours ago, ericsbrother said:

you need to speak to the pensions advisory service and if they think their is mileage in this take the matter to the pensions ombudsman

As they asked you to opt out the the point about concealment is relevant. If you had been persuaded by some salesman or demanded to opt out that would be different

Yes the Ombudsman have received my case however, there is a tremendous work load at present and will be a few weeks before they can look at it...


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It takes about a year to get to the end of the road but the clock has stopped as far as the limitations act goes. Best of luck and let us know what is happening so we can advise others

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