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    • So here is where things stand at the moment (sorry it's a very long post!):   I moved into this property in November.  I contacted both my electric and gas suppliers to change address and get my accounts moved over.   Electric - I closed my old account from my previous address, opened a new account for this address, set up a direct debit and requested they become the supplier.  The only thing that was outstanding on the account was a discussion about tariffs.  On 21st November they tried to call me but I didn't answer (judging from the time I was probably driving home from work).  I received a payment from them at the end of November from my previous account (which I clearly didn't check as I thought it was money going out for my direct debit).  I incorrectly assumed the call was about tariffs, which tbh, I'm not really fussed about. Their request to become the supplier was rejected but they didn't follow up on it or try to contact me again.  So I, like an idiot, thought it was all sorted out.  It's only now that I've been through my account that I realise they haven't been taking payments. I have spoken to them since Friday and the above is what they have told me has happened.   Gas - I closed my old account and have been trying to get a new account opened since November.  I have had several discussions with them re: the change request being rejected and they didn't know why it was being rejected but to leave it with them.  They told me at the beginning of this month it would be done by the 21st January.  During this phone call they said I could call the current supplier to make sure it goes smoothly but that it wasn't essential as they expected it to be completed by the 21st.  Last week they sent me a final demand for my previous address.  I contacted them to raise a complaint as I thought they were at fault, as I expected it to have been changed as per the above.   I spoke to them on Saturday and have sorted out my final bill and they have advised me to open accounts with the current supplier, Spark, clear them and then I can switch. Interestingly they also told me that Spark went bust in 2018 and it is a company called Ovo who are on the national database as the gas supplier.   Spark - This is the company who changed the meters on Friday.  I have two letters (one for gas, one for electric) that were left with the smart meter they had plugged in in the kitchen, both addressed to the previous tenant.  I obviously did open these on Friday.  Both letters state that they had changed the meters to prepayment meters.  There are several boxes that list current debt, amount of credit on meters etc none of which are filled in.  They also state that a booklet has been left explaining how the smart meter works.  There was no booklet. When I contacted them on Friday they told me that I was in fact on credit meters (I don't know if they changed this remotely when they realised I wasn't the person with the debt).  They also told me they had every right to enter the property and aren't able to check every time who the current occupant is and I should have told them I'd moved in.  I was told that someone would call me at 1pm on Saturday to discuss my complaint, thus far no one has called me.   I spoke with citizen's advice yesterday who really weren't much help tbh.  They said I should have contacted the current supplier when I moved in and provided a copy of my tenancy agreement.  I've moved A LOT over the years and have never had to do this.  I have checked several energy supplier websites and they all state to switch to them or move home simply to contact them and they will basically do the rest, not one of them states that you need to call the current supplier... obviously, on reflection I really wish I had!   My letting agent/landlord have requested that I take any post for the previous tenant to them and they will return it.  They also want confirmation of what type of meter (prepayment or credit) is now in the house.  The locks were changed when I moved in so only myself, the letting agent and the landlord have a key.  None of us let them in on Friday.     My next step is to open accounts with Spark/Ovo, clear the balances since November and then change suppliers.    All of the above have advised me to follow Spark's complaint procedure which I will do but as I said above they haven't contacted me so far re: the complaint I made on Friday.   Should I also contact Marston's to raise a complaint with them?   Whilst in all of this I do appreciate I could have done a fair bit to have made my life easier and probably prevented this happening (hindsight is wonderful!) my main complaint is that neither Spark nor Marston's felt they needed to perform a very simple check and see who actually lives in the property before breaking in.  I cannot for the life of me see how this is acceptable or legal.  Whilst they had the legal right and a warrant to enter the previous tenant's property as far as I am concerned they had no right to enter mine.    
    • I am in the process of looking on the land registry and it's showing on there alongside Lloyds bank,am going to look at deeds aswell  
    • Just a note that these appeal Trade Associations, are bodies these fleecers belong to so they are allowed to operate, appeals almost always fail, and by appealing important protections under POFA are lost as the appeal almost always identifies the driver.  Irrelevant in your case as you own the space, and the PPC have no rights in law over it.  POPLA appeal could also fail as POPLA wouldn't look at primacy of contract and the fact you own the space so can tell the PPC to Foxtrot Oscar. Whole Private Parking Industry is a money machine for unscrupulous ex cowboy clampers.
    • If you have insufficient evidence to support the claim, it is very difficult.   No point going to any Personal Injury Solicitors, as they are going to ask you questions to determine how easy it is to win compensation and for them to earn money.    Given lack of evidence and that you are unlikely to receive help from those who just seek to earn from the incidents, I can only suggest that you write to the HR Director/Manager to make a complaint. Do not say anything about looking to take them to Court for personal injury.  Stick to the facts about what happened and the way it was dealt with.  Ask for copies of the incident/accident report forms that should have been completed by the line manager responsible.
    • My point was that the fear being generated is disproportionate to the current threat. Initial under reporting of cases gave an inflated picture of the percentage death rate and images of cities in lockdown do look like a disaster movie so I understand why. This article is worth a read for some perspective. https://www.theguardian.com/science/2020/jan/27/what-is-coronavirus-symptoms-sars-china-wuhan          
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I believe that I was subject to maladministration / mis sold pension when I moved out of Barclays Final Salary Scheme into its Retirement Investment Scheme (RIS) in 1998. Sedgwick Noble Lowndes (SNL) were commissioned by Barclays at the time to manage the process. SNL produced a glossy brochure which painted a very misleading picture of the benefits of moving to the RIS and a short questionnaire which purported it to be a ‘no brainer’ if you scored less than 60. I scored 56. If only I’d have had access to the internet at the time! I was very naïve and gullible.

 

I have complained to the Pensions Ombudsman who have asked that I make a complaint through the schemes IDRP first before they can investigate. The Ombudsman has acknowledged however that there was an assumption in the process that younger people were likely to be better off in the RIS. The importance, they say, is whether the assumption was reasonable at the time?

 

Please could you help me to tackle this assumption in my letter of complaint. I need some good evidence to prove that my employers assumption was wrong. I was 31 years old, married, with two young children, and in good health. I had at that point worked for the bank for 15 years. 

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as they say, you need to complain the the barclays pension trustees first.  the onus of proof lies with them because they introduced you to the other bandits  so all you need to show is what you would have got if you stayed in the scheme and what you will geT now (and can they pay the diference without being forced to) they will know thier figures if you cnat work it out so all you need is your projected or known pension. Do you still work for barclays or are you after a top up for your pension to bring you up to the level you would have had at the time you left Barclays?

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How much paperwork do you have from 1998, Jane, in particular about the assumption of younger people being better off?

 

As ericsbrother says, you will need to compare the pension the Barclays scheme would have provided with what the RIS is predicting it will provide.

 

Are you claiming against Barclays or Sedgwick Noble Lowndes which became part of Marsh Mercer towards the end of 1998?

 

HB


Illegitimi non carborundum

 

 

 

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I have got copies of the brochures that were issued and a copy of the questionnaire. The questionnaire score led people under the age of 34 to move away from the Final Salary scheme. I have got to prove that the assumption they made was not the right one at the time.

My claim is against both companies, I feel that they are equally culpable. 

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I don't think anyone here will know what the assumptions were if they aren't in the literature you have. They should have been worked out by Sedgwick's actuarial team based on projected investment returns and so on, so it's probably a question for the scheme trustees.

 

HB


Illegitimi non carborundum

 

 

 

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the paperwork should give examples, I think that a growth rate of 8% was one of the chosen ones to give figures, there were higher and lower ones but these would appear in the printed forecasts.

so, get your complaint into the Barclays trustees now and they will have to show ther hand if they wnat to deny your claim. For the moment you dont need to hang figures on how much worse off you will be, this is about the advice and how it came about. The Ombudsman wil get all of the numbers later but as they have told you, you need to go through the correct procedure and that will be laid out in the terms of the scheme itself so ask for a copy if you dont have one.

Also answer the other pertinet questions, do you still work for Barclays? what are you after at this time?

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I actually left Barclays at the end of 1999 so it is only 15 years service but still it makes a big difference to me. The growth rate used in the projection was 9.5%, which even back then was relatively high risk I think. 

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Did they only use one interest rate in their assumptions,  Jane?

 

HB


Illegitimi non carborundum

 

 

 

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Yes, they only used 9.5%  fund growth rate - expected investment return for the Retirement Investment Scheme. They also used 9.5% annuity purchase rate - assumed to calculate the cost of buying a pension at retirement. They used an assumption on salary growth 7.5% through to retirement. 

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To be honest, I think you're best going to the IDPR process.  Tell them what your complaint is and let the IDRP do what it's designed to do.

 

The Trustees will look at your complaint in full.

 

HB


Illegitimi non carborundum

 

 

 

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There were a large number of cases that went through the Ombudsman that were of a similar nature to your so all you have to do is make your complaint in the correct manner and I'm sure that you will see something to your advantage in around a years time.

The PO was giving you a very strong hint when they told you about using the complaints procedure

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Fingers crossed. Thanks for your advice. I've written my letter now. Just to got to wait and hope. 

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Hi, thank you for the update.

 

What have you said and who have you written to please?

 

HB


Illegitimi non carborundum

 

 

 

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