Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Served on 16 Feb.   On reviewing the MCOL website today for an updated, I noticed that 1) Hermes has aknowledged the claim, but not yet filed a defence, and 2) that I there was a glitch / error on the form. Essentially, it looks like I had accidentally left the "I will send detailed particulars of claim" box ticke (I thought I had unticked it), with the result that the claim section has been truncated, and some extra text has automatcially been added - in red below):   "...Claimant seeks £XXX, plus I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of..."   This is obviously not ideal. Is it better to try to amend the claim somehow, or to just submit a brief POC that a) clarifies that I am seeking £XXX plus costs (which was automatically truncated), and b) sets out my calculation of the £XXX?  
    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
    • The car finance firm, owned by Provident Financial, voluntarily handed the money to all 5,933 customers potentially affected by the breaches, which occurred between April 1, 2014 and October 4, 2017. It was also fined £2.77m by the Financial Conduct Authority for the way it behaved. The FCA said Moneybarn's actions meant more than 1,400 customers, many of whom were vulnerable, defaulted on their loans after entering into 'unsustainable short-term repayment plans'. This meant that they were punished with extra fees and charges, which many could not afford. https://www.dailymail.co.uk/money/markets/article-8013573/Moneybarn-pays-30m-customers-failing-treat-fairly.html   dx  
  • Our picks

firstship

Tax on State Pension

Recommended Posts

Interested on views on payment of Tax on State Pension.In my view the State Pension should be FREE of any Taxation.

£12500 is tax free as we are all aware. My own state pension exceeds this amount so I have to pay tax, which is taken from

other Private Pensions. Any thoughts on State Pension regardless of the amount should be Tax Free.

I also find it annoying that the State Pension is regarded as a Benefit??

FS

Share this post


Link to post
Share on other sites

You might as well say that all pensions should be tax-free.

 

But I don't see why UK pensioners shouldn't pay tax on the same basis as everyone else. A lot of them are better off than younger generations who will be trying to save for their own retirement as well as paying for existing pensioners.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Honeybee13 thanks for your reply, interesting view on the subject.I believe some Benefits are taxable so you could argue that the State Pension as it is regarded as a benefit should attract taxes well

It was a discussion that a group of us old codgers, had last week and it got very heated as you can imagine.Three of us are ex military who served between the mid 50s to mid 70s and did not qualify for any form of Pension.Most of us get a reasonably high State Pension along with additional Private Pensions although not all of us.We all felt the State Pension should be tax free as we are all forced to contribute towards our State Pension, which is a very weak argument on subsequent reflection.

Didn't realise there was a petition to stop the word benefit for State Pension

Thanks for your view

FS

Share this post


Link to post
Share on other sites

I've moved you to the Bear Garden where other people may join the conversation.

 

 


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

thanks very much

fs

Share this post


Link to post
Share on other sites

State pension is treated the same for tax as any other pension which you receive, in so far as it is taxable income.

 

The only difference is it's not subject to any PAYE or "at source" tax deduction using a tax code. Such tax codes operate against other ex-employer pensions and your state pension is usually deducted from your income tax pesonal allowance.

 

😎


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

slick Hi ,yes I have this problem I receive a fairly high state pension and have a private pension the PAYE Tax is taken from the Private Pension,

FS

Share this post


Link to post
Share on other sites

You can change that

I have my tax allowance on my company pension as I'm not quite at state pension age yet.

Its wasn't allocated by default - you need to contact the 'revenue' and run the gauntlet ...

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

Share this post


Link to post
Share on other sites

Until very recently I didn't mind that the state pension was taxed.  Then my aunt was assessed as needing 100% continuing care and funded by the NHS.  This means they take her state pension away - after including it in calculations for tax.  She does have another pension from nursing so she has taxable income.  She's paid for her own care for years and although it's great that she doesn't have to any more it still feels like a further kick in the teeth.

Share this post


Link to post
Share on other sites

@tobyjugg2 - Once you start to get a state pension, it will normally be deducted from your Personal Allowance via the PAYE code operated against other pensions.

 

@hightail - Paying for care is always a hard pill to swallow but State Pension has always been taxable. When NHS Continuing Care finally kicks in, it's often a bonus and a saving compared to self-funding.

  • Like 1

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites
2 minutes ago, slick132 said:

Paying for care is always a hard pill to swallow but State Pension has always been taxable. When NHS Continuing Care finally kicks in, it's often a bonus and a saving compared to self-funding

Oh it’s a massive bonus - not pretending it isn’t.  It’s also long overdue so it’s an annoyance, an irritation that there’s still a clawback.  It wouldn’t wrankle so much if they just stopped paying it but that’s not how it works.  They pay it so it is counted as income for tax purposes and then take it back.

Share this post


Link to post
Share on other sites

I'm going to be the odd one out here as I don't mind my pension being taxed

 

I still have another 30 years to go (or there about) but I would find it odd if you had a large portion of the population not paying taxes

 

I'm lucky in that I have a very good workplace pension, a private pension and (hopefully) the state pension - it's meant going without the odd luxury here and there but I felt it was important to get a bit away for the eventual retirement (which talking to people my age makes me the odd one out) 

 

After all its taken out of my wages before tax so why not pay the tax later down the line 


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:

Share this post


Link to post
Share on other sites

The old codgers have met again and as always we put the world to rights.State Pension is still an issue.Although we are unsure of the exact figures we all agreed that the tax free allowance should be £15000 ,obviously good for pensioners but also will take 10s of thousands of part time workers out of paying tax as well, we think the Tax obtained for HMRC for people receiving or earning £15k or less is very small.

FS

Share this post


Link to post
Share on other sites

I also think its right that income is taxed the same for all

 

I question supertax rates (and no I dont pay higher rate tax anymore) although do accept A higher rate tax for people earning over a certain amount - but I think my issue with that is far more the massive and unwarrented (IMO) difference in earnings

 

I also question that people on benefits pay tax - thats clearly a mismatch - although I think thats that the tax lower threshold and basic wage  is clearly too low

 

 

Edited by tobyjugg2

I express my honestly held opinions - they are nothing more or less than that.

... Its just doing some due diligence that makes them seem unusual ...

 

Please don't assume what you see here is what I wrote - At least some of my posts HAVE been edited without my knowledge or agreement - or anything showing people they have been amended

Share this post


Link to post
Share on other sites

I agree about addressing the massive difference in earnings and also wealth, some of the comparisons are obscene. But with the current government, I won't be holiding my breath for life to become fairer.


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...