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    • The companies you tried to arrange supplies with, should have told you there was a problem registering account for new address. If they could not contact you by phone, they should have written to you.   Had they done this, then this would have been resolved.    Don't bother complaining to Marston's. It is the energy companies that should have done more. 
    • I'm not sure what the form is – would your new suppliers normally have contacted the old supplier to say that there was a change? If you could show that spark should have known that they were no longer dealing with the account holder at the time that they apply for the warrant, then it seems to me that they do bear some culpability. By the way one of the site team mentioned that at some point Marston would contact me. I'm afraid that's not the way it works. I've now referred the matter to Marston and they may well decide to contact you – the Original Poster for more information or simply to inform you that in the circumstances that there is nothing that they are able to do. I'm afraid it's out of my hands and I never asked for or ever receive any feedback about the references I make to them at this level
    • I've forwarded the details of this to Marston – but I'm not sure that there is much that can be done in the circumstances. If the energy company had been informed – or if they had reason to know that their customer was no longer at the address then of course obtaining the warrant was outrageous. As it is, it would seem that the previous tenant hadn't informed them and had simply done a runner – and unfortunately you have taken no action to return any mail to the sender so as far as I gather, there is no reason for the energy company to have known what has happened. Please note that I haven't really looked through this thread very carefully since I originally posted so are not au fait/can't remember all of the details – but that is my sketchy understanding. If this is the case then, although of course something needs to be sorted out – I have to say that it would have been helpful if you had either opened the mail or returned it. I know that you say that you have never had to do this in the past – but maybe it would be good practice in the future. It could be that in the past you have simply been lucky. You are talking about clearing the balance of some outstanding debt which belongs to somebody else? This seems to be extraordinary to me – but then I'm afraid I haven't been following the thread very closely  
    • 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.    
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jazztheman

Private Pension and ESA?

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I am currently claiming Joint ESA (Support Group) for myself and my wife who is disabled, I am her carer.

I am due for retirement in 18 months time,

 

today I received a letter from a private pension from a company that I worked with a few years ago. 

The letter notified me that this private pension would start paying monthly payments of £80 per month from December 2019 when I am 65.

 

Being on ESA I don't want to go onto Universal Credit if at all possible. 

Will this private pension trigger a change for Universal Credit to be applicable? 

What would be the situation if I deferred this private pension until my official retirement age of 66?

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Sadly it may as it would as the Private Pension would be classed as an Occupational Pension and taken into account.

 

I myself am disabled and have a two different pensions one they cannot touch but the other Pension they can as they class it as Private/Occupational Pension and it is taken into account. 

 

IMO I would advise that you inform them of this change as it is a change in circumstances just so you are on the right side of DWP you don't want to give then a reason to hit out with sanctions.

 

Whether they would reassess you for universal credit or just reassess your present claim only is really in DWPs hands


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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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Do you know what type of pension it is, Jazz? Is it with an insurance company?

 

HB


Illegitimi non carborundum

 

 

 

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Would be counted as unearned income, as it is not related to current employment.  So it needs to be advised to ESA and they will take it into account.

 

See this link  https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/778262/admh5.pdf

 

Don't need to change to UC. You would stay on ESA, until DWP begins the managed migration process. If you both reach state pension credit age before UC migration, then you simply claim relevant retired age benefits.  If your wife was a lot younger than yourself, then you might be dragged into claiming UC on migration, as mixed age couples (one of pension credit age and other below) have to claim UC, unless the disabled person is getting the SDP addition.


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It's not with an insurance company it's a works pension scheme.

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Thank you. So it sounds like an occupational pension.

 

HB


Illegitimi non carborundum

 

 

 

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Bit of an update,

another private pension with another old company turned up this week with a pension pot value of around £10k the previous pension company had a pension pot of around £26k. Both companies have the option to do nothing and leave the pots alone until I reach my official state pension age in around 18 months time, which is the option I would prefer to do.

 

Age UK and the Money Advice Service are stating that because I am below state pension age and not taking income from the pension pots the DWP does not have to be informed until I reach state pension age.

 

Does this information seem correct?

I don't want to break any DWP rules. 

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if you popback to UB67's post and that link

read from h5156

if you are entitled to it, [as you say above dec 19] even though you may defer it you appear to me to have to declare it for UC purposes?


..

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If below state pension age and you don't receive any private pensions money you don't have to declare.

 

As soon as you reach state pension age, you have to declare to DWP, even if you decided to delay receiving it.


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why is that doc so diff to understand..thanks.

so the only bit I missed out was reaching state pension age

which I found to be very doubt dutch in some of the clauses.

 


..

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The Age UK information is available from here http://tinyurl.com/y38n39bx  which is much easier to understand, although some of the information seems to conflict with other advisory organisations.

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are the 2 pots still actively invested or frozen? If the latter you could still transfer then into another active scheme without ever handling the money but get a bit of capital growth for the next 18 months.

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The two pension companies are waiting for my decision on what to do with them. I will more than likely request to leave the both pots alone until I reach my state pension age and then take out an annuity.

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Hi.

 

You could speak to Pensions Wise about what to do with your pensions now or in a couple of years time, to understand the options, because you don't have to take an annuity if it doesn't suit you. Pensions Wise are independent and free.

 

https://www.pensionwise.gov.uk/en

 

HB


Illegitimi non carborundum

 

 

 

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