Shows it's worth pursuing reclaims

Mersey_2

Sadly little surprises me re the errors and incompetence of some Govt agencies (although in this case the Telegraph is being generous to the third party fraudster):


http://www.telegraph.co.uk/money/jessica-investigates/how-did-someone-else-claim-my-civil-service-pension/

Tigsteroonie

I get "Sorry, Page not Found"

Nasqueron

What has this go to do with reclaiming? The woman in question was after a tax refund and getting a pension she had earned, no reclaiming at all

Pensions posts should be on the pensions forum:

http://forums.moneysavingexpert.com/forumdisplay.php?f=19

Oh and the link is:

http://www.telegraph.co.uk/money/jessica-investigates/how-did-someone-else-claim-my-civil-service-pension/

Mersey_2

She 'reclaimed' the cash which had been wrongly paid out - plus interest - to another individual with a similar name. Reclaiming is the word used and the reason Martin Lewis launched this site.


Although I'm aware you don't like the word from the PPI & packaged account threads.

Nasqueron

Mersey wrote: »

She 'reclaimed' the cash which had been wrongly paid out - plus interest - to another individual with a similar name. Reclaiming is the word used and the reason Martin Lewis launched this site.


Although I'm aware you don't like the word from the PPI & packaged account threads.

She was chasing a tax refund and a pension fund wrong allocated to someone with a similar name, she was not reclaiming anything as she had to pay tax as we all do, then submit your reasons why you were entitled to the refund!

"reclaim" is the wrong word for PPI issues because you do not reclaim it, you have to complain about the product being miss-sold and provide your evidence and the provider will judge the circumstances. Reclaim implies you wrongly paid and have an automatic entitlement to get your money back.*

Regardless, it's a pension issue, not insurance, this is the wrong forum.

Oh an MSE was set up to save money (hence "money saving expert") not to reclaim things, read the history of the site or watch his video, it's only 41 seconds

http://www.moneysavingexpert.com/site/about-the-site



*Remember despite what sites like this suggest and the lies of the claims companies, a huge number of people submitting these complaints are doing so because they see the ££ not because they genuinely were miss-sold. Countless cases exist where people ticked a box to say they wanted it, countless cases exist where people applied online or by post so were not "sold" anything. Certainly there are miss-sales - where the ppi would never pay out or pre-ticked boxes, but a huge number of people are simply making up complaints to try and get money, using the FOS to black mail companies into refunding products that were perfectly valid

Mersey_2

Claim means nothing of the sort in the CPR. It's merely a claim which is intimated ie a purported claim. (Although in this instance the £ was indeed wrongly paid out and she did have an automatic right to it).


Any civil action is a claim of negligence. Hence the Claim Form in the County Court to issue proceedings. (Call it a complaint if you wish).


That doesn't, of course, mean that all claims will succeed - or indeed should do so.


Although as all successful PPI claims result in civil redress - which is to put the individual back into the position they would have been but for the negligence of the third party - those individuals were, by definition, entitled to the same, hence the statutory interest that exists.


I'm not referring to the merits or otherwise of 'claims' [which I know we disagree on, although I have combated fraudulent litigated insurance claims for over a decade, so we agree that there should be tougher sanctions for civil fraudsters].


Likewise, reclaiming packaged account fees is nothing to do with claims culture. It's merely customers obtaining redress which is rightfully theirs due to the banks' negligence. MSE has done great work in publicising this, but yes, with publicity you will always attract eg 3% of fraudsters [ABI figures].


Overall, it's simply that any civil complaint is a claim of negligence (duty > breach > causation), for which the individual will be compensated if they succeed.

Mersey_2

Moneyineptitude wrote: »

..and subsequently made £millions selling on.

Regardless, pensions are not insurance,

You must be glad to read that Martin wrote his last MSE weekly email last week. Although you seemed to think he did so years ago.


However, you'll also be glad to hear he's back on our screens with the weekly primetime programme from November. Which always results in a spike of posts on here for you to patronise Though admittedly you both seem to have calmed down of late and I've only seen downright rude comments directed at OPs from sangie in recent months.