Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • if your loan is an unsecured loan, but you own a home were they to make you bankrupt, could you lose the home....... .............   i will assume you are talking about your wife's debts? as you've said YOU don't own a home ?  
    • Shops at the retail park beside me were mobbed today, last week the motorway between Glasgow and Edinburgh was as busy as it ever has been.
    • I have a loan with Commsave dx, the deductions come straight from my wages. When you join you tell them how much you want to save either weekly or monthly and you authorise them take deductions from your wages towards your savings account with them, same thing apply's when you have a loan with them.
    • I went from Virgin Media to Sky Q earlier this year as I wasn't a great fan of Tivo and was keen to try Sky Q.   When it was installed, I was offered the chance to replace my aging (ten year old) dish which I accepted.   In the last few days, I've come to the conclusion that Sky Q isn't for me and that I'd ideally like to downgrade it at the end of my contract to go back to using my old Sky+ HD box, which I still have.   Much to my surprise, I subsequently found out that the LNB on my dish would not be compatible as Q uses a special "wide band" LNB and the older boxes do not.   I contacted Sky to confirm this, which they did.   They also told me that there would be nothing they could do and that if I wanted to continue using my dish with my older box then I would have to pay to get it re-fitted myself which, after some investigation, would cost me at least £150 pounds.   The issue of future compatibility wasn't mentioned anywhere in the literature or the official Sky Q contract, but the Sky employee I was talking to agreed that it could present a problem and said that he would pass it "up the ladder" to see if the wording could be changed to better explain it to prevent any future problems - all the while telling me there was nothing they could do for me specifically.   I understand that I'm getting the service I paid for, which I have no issue with.   I understand that I'm only loaning the equipment and that it has to be returned at the end of the contract.   That I also have no problem with.   The contract also states that the dish becomes mine at the point of installation as well, which is also fine.   Basically, Sky have provided the service stated in the contract.   My problem with this is that Sky must clearly know that many people use, and still use, older boxes.   They still sell viewing cards for these older boxes, so that in itself should be enough to prove that they are aware of the compatibility issues between the two pieces of hardware.   Should there not have been even a small advisory akin to "Customers please note: Sky Q dishes are not compatible with older hardware" ?   By choosing to omit this information,  it not only prevented me from making an informed decision at installation, as I could have apparently asked for what's called a "Hybrid LNB" which would be compatible with older hardware, but it will also leave me significantly out of pocket at the end of the contract.   Is there anything in this ?.  Can I challenge this in any capacity ?.   Ideally, I'd like them to let me out of the Sky Q contract so I can downgrade to the Sky+ HD box I own, but I accept this will likely not be possible.   I'd be interested in your thoughts.   Thankyou.
    • i cant understand your last post  please dont use txt speak. ask your questions clearly...and spell them properly ...thank you.    
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
REDDRAGON

Barnett Waddingham Problems With My Late Father's Pension.

Recommended Posts

Hi,

My father passed away last November and he had a small company pension.

Former British Steel.

When he died I contacted all relevant companies.

 

When I contacted his pension company I was informed that there was an overpayment on his pension of just under £800.

I explained to them that there were no monies in his estate but that there was a property that would be put on the market within the next few months and then any funds owing would be paid out of that. This was acceptable to them at the time.

 

since then, I have had letters from them stating that as they act as trustees of the pension they require payment. 

they have threatened me with debt collectors, which I know are toothless unless a court  order has been granted.

Despite writing to them, talking to them on the phone, and e mailing them, they still insist on payment.

 

As you might be aware, during the current situation we cannot get estate agents to view the house or put it on the market. It's ready to go.

 

My question, am I responsible for paying this debt out of my own pocket?.

The funds will be there once the house is sold.

 

And finally, this company has trashed my credit file, is there anything I can do about that?.

 

Thanks for your help.

Share this post


Link to post
Share on other sites
19 minutes ago, REDDRAGON said:

they have threatened me with debt collectors, which I know are toothless unless a court  order has been granted.

 

a DCA is still toothless regardless to any 'court order' 

a 'court order' does not magically make them bailiffs.

 

who is the pension co.?

 

and no you don't have to pay it

and I doubt the estate does either...I've a feeling you are bein had here,, what can they do..abosolutrly nothing..


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
Quote

And finally, this company has trashed my credit file, is there anything I can do about that?.

 

Who..British Steel ?


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi, 

It's no longer British Steel that runs the pension scheme.

It's a company that is called Barnett Waddingham. These are the ones I have been dealing with as executor of my father's estate

And these are the ones that have trashed my credit file.

 

I'm happy to pay it once the house has been sold and funds are available. however, I cannot afford to pay it out of my own pocket and I'm unhappy about the fact that they have marked my credit file as my debt.

Share this post


Link to post
Share on other sites

How have they trashed your CRAs what have they entered as  negative details ?  Screennshot ? 

 

Topic title amended


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi, 

will try and get something when I can.

I found out that they have entered details on my file when I went into my bank to see about an overdraft as with this coronavirus was having difficulty.

The bank informed me that there was this marker on my file.

Share this post


Link to post
Share on other sites

You dont personally have a financial relationship with the debt or company in question only a duty to resolve the estate.....I would be advising all the CRAs with a notice of correction and also a warning to Barnett Waddingham to remove it or you will have to escalate matters to to the ICO.


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 The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Thank you for your help. much appreciated, will get in touch with the credit reference agencies and request a notice of correction. 

Also tomorrow will contact Barnett Waddingham.

 

Once again, thanks for your help.

Share this post


Link to post
Share on other sites

writing only by royal mail.

certainly should not be showing on your dreit file unless you were a named recipient of death? proceeds?

pers I would also send them an sar too

many of these farmed out British steel pensions were heavily mis-managed by these private companies in the 80's 90's

 

find out what this 'over-payment' is, are you aware what it is? like poss paid out a few months/weeks after his sad demise?

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

If there was an overpayment you will need details of it as your father's executor so you can look into paying the debt in the fullness of time. If you take a decade sorting things out that is up to you unless a court has ordered you to speed things up.

 

in the meanwhile speak to the Pensions Advisory Service and tell them about their unlawful marking of your credit files and see if they will intervene.

 

You may well end up asking the Ombudsman to determine whether their actions are/were reasonable

 

I would bet on them winding their necks in as soon as a regulatory body is on the horizon

Share this post


Link to post
Share on other sites

Hi. I'm a bit confused here

 

According to this link, Barnett Waddingham in Birmingham are the British Steel scheme administrators. The trustees are Open Trustees, part of a law firm in Bristol.

 

https://www.opentrustees.com/what-we-do/old-british-steel-pension-scheme/

 

In my limited experience of this type of pension, I'd think that the trustee would be the one handling the money.

 

Maybe you could tell us a bit more please.


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi, 

Thanks for your response.

All correspondence I have had has been with Barnett Waddingham.

There has been no mention in any letters from them stating that they are acting on behalf of anyone else.

 

The last mail I received from them was on March 23rd.

In it, it states that Barnett Waddingham has been appointed as administrator and payroll provider for the scheme.

All they ask is for repayment of the pension overpayment. 

 

This was as a result of my father passing away end of November and the pension going into his account a week before his death.

It was not noticed at the time and all monies in his account were used for his funeral.

 

It was only a week or two later when I contacted Barnett Waddingham that I was informed of the overpayment.

I then contacted them again explaining that there were no funds in his estate.

however, there was a house that would be put on the market and when sold all debts would be paid out of that.

 

I thought they were happy with this arrangement but since then I have received around four letters asking for the overpayment to be paid, with the last letter finishing with the statement that if the overpayment was not paid by the 23 April then they would instruct debt collectors to recover the payment.

 

I am happy to honour his debts when the house is sold, until then I cannot afford to repay this overpayment.

 

Thanks again for your help. Hope this extra info will help.

 

Share this post


Link to post
Share on other sites

Thank you for that.

 

So is it definitely Barnett Waddingham's name on your credit entry please?

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi,

Yes

Share this post


Link to post
Share on other sites

Thank you again. Other people here advise on debt collection but I still don't understand why debt collectors were instructed on 23rd April and you already have an adverse entry on your credit record.

 

It could be me, but could you say more please?

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi,

There is not really much more can be said.

 

All I had was a letter stating that on the 23rd April if I had not paid them by then, that they would instruct debt collectors.

i do not know if they have been instructed or not.

 

I have had no correspondence from Barnett Waddingham since 23rd March.

The only reason I found out about the adverse entry was when I went to my bank to discuss something with them.

 

I have a very good relationship with my bank, and they suggested that I look at my credit report.

Share this post


Link to post
Share on other sites

as post 2 re stupid DCA's

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

get copies of your credit files and then get them corrected or at least a notice of correction slapped on them

anyone else reading your file knows there is a problem.

 

these people will end up owing you money for their breach of the GDPR and libel but get the records amened first

Share this post


Link to post
Share on other sites

How are you getting on with this, reddragon?

 

HB


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...