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State Pension - please help **Update again**
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Have you looked into whether this is being treated as "deferral" and whether there is any more to come?
See this thread https://forums.moneysavingexpert.com/discussion/comment/71066585#Comment_71066585
If you look at your grandfather's state pension statement for 2013-14, what does it show for Basic State Pension/ Additional State Pension/ Graduated Pension etc?
This is very important, as he/she/you clarify this point as there should have been a choice of an increase in his SP if around 30%, instead of a LS, and that if LS is chosen, there is supposed to be some interest attached.0 -
As my mother is self-employed in a career that seems to be heading towards extinction she works pretty much solid all day every day. As I'm employed pretty much 9-5 it's a bit easier for me to finish the day and deal with other things!
I've just spoken to the DWP again, no his SP won't be treated as if it were deferred and all payments have now been made, so nothing else is pending. Very frustrating, but I have the address for a formal complaint and will see what I can do!
It seems to me that this option should have been on the table if preferred. And did they mention what interest they paid on the amounts paid?
If they didnt pay any, the complaint should deal with these factors too.0 -
It seems to me that this option should have been on the table if preferred. And did they mention what interest they paid on the amounts paid?
If they didnt pay any, the complaint should deal with these factors too.This is very important, as he/she/you clarify this point as there should have been a choice of an increase in his SP if around 30%, instead of a LS, and that if LS is chosen, there is supposed to be some interest attached.
No options were given (I suppose they knew we would just be grateful to get the money in the account) and no interest has been paid on the amounts received. We've just received what he would have been paid had they not switched off his SP for that time.
I must admit I was in the right frame of mind today so have put the complaint together. Will add to this re interest.0 -
I have been giving this some more thought.
I would suggest again that you check your grandfather's state pension increase letters up to March 2013 so that you can see how his state pension is made up.
Has a state pension increase letter for 2016-17 now been issued -( or indeed any letters for 14-15 and 15-16)?
Why has this failure to pay your Grandfather's state pension not been treated on a deferral basis?
Is there any evidence that he ever "deretired" on a previous occasion? (An individual can only do this once after SP has come into payment).
I am surprised that you have received no reply from your grandfather's MP - you might wish to write again enclosing a copy of your letter of complaint when you have written it.
Have you made an appointment to discuss this whole matter with a benefits adviser at CAB? You may very well get some assistance with your letter of complaint.0 -
I have been giving this some more thought.
I would suggest again that you check your grandfather's state pension increase letters up to March 2013 so that you can see how his state pension is made up.
Yep, it's on my list for Saturday, I'm going over for the day to go through paperwork.Has a state pension increase letter for 2016-17 now been issued -( or indeed any letters for 14-15 and 15-16)?
No excellent point, I will chase for these as well as the new P800s that are hopefully being produced.Why has this failure to pay your Grandfather's state pension not been treated on a deferral basis?
They can't, as usual, give me an explanation why, they have told me that I can request this as "compensation" (I hate that word) as part of our complaint.Is there any evidence that he ever "deretired" on a previous occasion? (An individual can only do this once after SP has come into payment).
Nope he has never done this before.I am surprised that you have received no reply from your grandfather's MP - you might wish to write again enclosing a copy of your letter of complaint when you have written it.
Yes I think I will. I'm quite surprised at him really as he was very very helpful when my mum wrote to him once. He got her away from Talk Talk and set up with PlusNet with super speedy broadband for free! Not a clue how, but I won't write him off just yet!Have you made an appointment to discuss this whole matter with a benefits adviser at CAB? You may very well get some assistance with your letter of complaint.
I was going to call them tomorrow and book an appointment as I wasn't sure what my work diary would be like next week until today. Work and bosses have already been very generous and understanding in letting me use some work time to work on this stuff so I didn't want to take the mick and leave for a meeting when they really need me here.0 -
Why has this failure to pay your Grandfather's state pension not been treated on a deferral basis?
I'm guessing the mechanisms have not been in place to allow this to happen. Normal deferral would be activated in normal circumstances but this seems to be a case where someone just stopped payment and looked no further.
I'm not sure what the benefits of a deferral route would be in any case - poor health would presumably rule out annual uplift and, as for interest on lump sum, I'd be claiming that and more from the DWP as part of what seems a very very valid complaint.
They can't, as usual, give me an explanation why, they have told me that I can request this as "compensation" (I hate that word) as part of our complaint.
As above, I expect getting it onto a deferral basis might have slowed up payment somewhat more given the circumstances of the case. I'm guessing they can't give explanations because this is an extremely rare case (hopefully) and they have no clue what should or could happen as a result.Yes I think I will. I'm quite surprised at him really as he was very very helpful when my mum wrote to him once. He got her away from Talk Talk and set up with PlusNet with super speedy broadband for free! Not a clue how, but I won't write him off just yet!
Have you just wrote to him once or have you tried a few times? If just once, then it's entirely possible there is a plausible explanation. I would write again with urgent stamped on it. Try to follow up via phone to hopefully get this moving.
However, I'm not sure your MP will be able to aid the immediate situation with the HMRC particularly, but I think he should be able to facilitate a complaint.0 -
I sat and went through all the paperwork on Saturday, as far back as 2000. Things were slightly more complicated before my grandfather's dementia properly took over about 10 years ago (i.e. they had additional things such as shares, additional investments etc.), but after his diagnosis things were deliberately made to be much more simple.
All State Pension increase letters are accounted for and normal up until the SP stopping in 2013 and he received P800s and tax rebates up until the SP stopping also. It looks the same for every year (obviously ignoring SP increases each year as normal) - tax was taken at source from my grandfather's annuity and his tax code for every years shows his personal allowance, the pattern then appears to be that he would pay roughly £3,000 tax at source from annuity and then the marriage allowance would be factored in at a later stage as a rebate which he received every year.
Re the following: If you look at your grandfather's state pension statement for 2013-14, what does it show for Basic State Pension/ Additional State Pension/ Graduated Pension etc?
It only shows his basic state pension for every year, nothing against additional or graduated. However in his paperwork he had previously researched SERPS but I'm not entirely sure how this is relevant. I think it may be in relation to my grandmother's stuff?
He has never gone through the deferral process previously.
I sat with my grandmother and compiled a complaint letter which has been sent to the relevant address and also to her MP again. I received a call today from TPS acknowledging the letter and we should have a response within 15 days. Not sure why they claim to offer an "immediate apology" on their website, this still hasn't happened although I appreciate the acknowledgement of the letter.0 -
Was your grandfather self employed?0
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Oh gosh, He's been pretty much retired for as long as I can remember so I'm not entirely sure. He may have been at one point, I'm also aware of him running his own company at one stage I think?? I will have to check all this. What impact might this have?0
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Oh gosh, He's been pretty much retired for as long as I can remember so I'm not entirely sure. He may have been at one point, I'm also aware of him running his own company at one stage I think?? I will have to check all this. What impact might this have?
I guess your grandfather would have started work in the early fifties.
Over the years, there have been various initiatives to create some kind of earnings related addition to the state pension.
http://www.ifs.org.uk/bns/bn105.pdf
However, if he was self employed, his position with regard to SP could well be that he is entitled to only the basic state pension.0
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