February 2015 ~ InulPoker Learning

Friday, February 27, 2015

I paid into my personal pension out of my savings for four years: why is HMRC taking £2.7k in tax as I cash in the pot?

By GSpot6668:29 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 14:00 GMT, 26 November 2014 | Updated: 14:00 GMT, 26 November 2014

I had a big shock regarding tax after cashing in my Aviva stakeholder pension. I started saving in 2004. I paid in just over £2,800 every year and this was topped up by the Government to £3,600.

The money was paid out of my building society savings, not out of earnings, as I have not been employed since getting married in 1970. I stopped paying this in 2008.

The pension was worth just over £18,000. I received £4,526.29 tax-free cash, but they took off £2,715.77 tax from the remaining plan value of £13,578.85.

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Tax confusion: Pension income is taxable even if you were not employed when you paid into it

In total, I received a cheque for £15,389.37. The tax people are treating this as PAYE income, which seems completely wrong to me as I was not employed when I saved the money. The pension has been added to my other income.

Initially, HMRC gave me an incorrect tax allowance, having failed to take account of the fact that I am a pensioner. Once this was sorted out, I received a rebate of £677.95, then another for £149, and last week a third one for £169 as they keep adjusting the figures.

Surely as I paid in £14,400 out of my savings, it should not now be subject to tax. Mrs P. H., Herefordshire.

Your letter illustrates once again just how complex pensioners’ tax situations can be.

The thrust of your problem is that you were under the misapprehension that, because you were not a taxpayer at the time you contributed to the pension, you should not pay tax on the income now. But pension income is taxable and HMRC is only interested in your tax position at the time you receive the money.

You have sent me HMRC’s tax calculation and this all looks to be in order. I’ve also had it double-checked by HMRC and they are happy that it is correct.

In fact, you have done rather well out of your pension, tax-wise. You received almost £800 a year tax relief in the form of a top-up to your contributions.

But when you took the pension, a quarter of the money was tax free while you had to pay 20 per cent tax on the remaining three-quarters.

Here’s an example of how the sums work out.

In 2004 you paid in £2,808 and got £792 added for free. Ten years later, you got the £3,600 back, plus investment growth. Of this, £900 was tax free. You had to pay 20 per cent tax on the other £2,700, giving you a tax bill of £540. This left £3,060 in total (before any investment growth) yet you paid in £2,808.

This leaves the question of why too much tax was taken initially.

An Aviva spokesman says: 'When we make a payment from a customer’s pension, we don’t have prior knowledge of any other income they are receiving. This means any tax we deduct is based only on the amount we pay them and HMRC legislation, which requires us to deduct tax at the basic rate from three-quarters of the payment.'

Aviva is happy that the tax was calculated correctly on your pension. But with the help of the P45 it sent to you, HMRC was able to recalculate your tax to take into account your pensioner’s personal allowance and your other income.

This meant you were entitled to more tax-free income, which explains why you have received the tax rebates.

Write to Tony Hazell at Ask Tony, Money Mail, Northcliffe House, 2 Derry Street, London W8 5TT or email asktony@dailymail.co.uk — please include your daytime phone number, postal address and a separate note addressed to the offending organisation giving them permission to talk to Tony Hazell. A sample letter can be found at thisismoney. co.uk/permission. Please do not send original documents as we cannot take responsibility for them. No legal responsibility can be accepted by the Daily Mail for answers given.

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ASK TONY: The Pru paid me too much income, must I pay it back?

By GSpot6668:08 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 01:01 GMT, 3 December 2014 | Updated: 09:31 GMT, 3 December 2014

I took early retirement from Prudential 15 years ago, with an option that paid extra until the state pension cut in at age 65 — this May. I divorced seven years ago, which led to a pension-sharing arrangement with my former wife.

In March, I contacted the scheme’s administrator to find out what my pension would be after my 65th birthday. I wasn’t happy with the calculations and they agreed eventually that my pension was incorrect to the tune of £2,567.64 pa.

When my correct pension was paid in September, I received only a proportion of the arrears and had to chase again.

To my dismay, I was told all elements of my pension had been incorrect for seven years. They had the nerve to claw back £321.14 of overpayments. M. D., by email.

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Your case illustrates how complex pensions can be. Many occupational schemes offer an enhanced pension to bridge the years until the state pension cuts in. At this stage the occupational pension is reduced.

The pension splitting when you divorced added a further layer of complexity.

But the actuaries administering schemes are highly paid individuals and should be able to perform these calculations without making errors.

Your full email shows a catalogue of errors by the scheme administrators, yet you’ve been asked to foot the bill.

It’s totally unacceptable that administrators should fail to do their jobs properly, then expect pensioners to carry the can. Many people might not have spotted the mistakes you uncovered.

I went to Prudential, who were not at all happy at the way you had been treated. They have contacted the administrators and made it clear that issues like this must be handled sympathetically and better in future.

They have instructed them to repay your £321.14 and an extra £150 for the inconvenience.

A Prudential spokesperson, on behalf of the scheme trustee, says: ‘The administration associated with Mr Dwyer’s pension was below the level expected by the trustee and for this we are very sorry.

‘The scheme’s management has asked the administrator to review how it deals with issues of this nature in order to ensure they are addressed more quickly.’

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ASK TONY: Please stop NatWest asking about my son who died 11 years ago

By GSpot6667:52 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 01:06 GMT, 19 November 2014 | Updated: 10:11 GMT, 19 November 2014

I write to you in despair for help with a problem I have suffered over several years with NatWest Card Services.

I need to inform them by telephone each time there is a possibility that I will be using my card outside the UK. But they keep asking a security question involving my son, who died 11 years ago.

I’ve asked several times for them to remove this question, as I find it distressing. Finally, in July, I wrote to them.

They replied, apologising for the distress caused by the ‘knowledge-based authentication’. But their only suggestion was that, instead of phoning their card centre, I visit a branch with two pieces of ID and ask staff there to call them.

NatWest claims it cannot change the security questions and that I need to contact Equifax. Mrs B. M., Somerset.

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How perfectly absurd of NatWest to duck responsibility for resolving this issue.

Surely it would not have been difficult for someone to put a note on your account saying that you should not be asked questions about your deceased son?

And why could NatWest not contact Equifax itself to resolve the situation?

That’s what should have happened — but, instead, you have been caught in a tangle involving three companies.

NatWest says it uses information from a number of different sources to confirm the customer’s identity.

It seems that one of these is Equifax and another Lexis Nexis, which has access to the electoral registers going back to 1983. It seems this information triggered the questions about your son.

A NatWest spokesman confessed: ‘Mrs M. is being asked very distressing questions, which is not acceptable.’

NatWest is talking to its data suppliers to make sure you are not asked the questions again.

It has also provided details of people you can call directly if you are going on holiday, and who will manually activate your card for use abroad.

This latter solution is a short-term fix until NatWest puts in place a long-term solution.

I also asked NatWest to pay you £250 compensation, which it has agreed to do.

But I was also concerned at the response you received from Equifax, which basically suggested you pay £2 for a credit report on yourself and might consider paying for one on your deceased son.

How callous can you get? Equifax admits this was a mistake. A spokesman says it originally sent you a pre-paid application for your credit file, but when you asked for all data on your son to be deleted, you were incorrectly told that you would need to apply for his credit report.

I have been assured that the electoral registration information relating to your son has been deleted. Equifax has also offered £100 compensation.

An Equifax spokesman added: ‘We are reviewing our internal training and procedures to ensure we handle sensitive cases like this as sympathetically and efficiently as possible.’

Straight to the point

When does the new Pensioner Bond from National Savings & Investments go on sale? J. M., Burnley, Lancs.

The exact date has yet to be announced, but it will be some time in January for a limited time only. Full details are expected in the Autumn Statement on December 3.

I want to give my nieces, nephew, great-nieces and godchildren a cheque each for Christmas instead of presents. How much can I give them without worrying about inheritance tax now or in the future? E. S. Tadworth, Surrey.

You can make small gifts up to the value of £250 to as many individuals as you like in each tax year. These are automatically exempt from inheritance tax.

I would like to use a fund supermarket to invest money. Charles Stanley has been recommended to me, but when I search for it online, there are several websites. Which is the right one? F. H., Notts.

Charles Stanley has a financial advice business as well as a fund supermarket, so there are a few web addresses under that name. You need: charles-stanley-direct.co.uk

How does the Windfall Bond from Family Building Society work? P. L., by email.

It pays out ten £1,000 prizes, two of £10,000 and one of £50,000 each month. Each £10,000 bond has a 64-to-one chance of winning a prize over a year. You earn interest at 0.4 pc after tax (0.5 pc before) and can get your money back by giving 35 days’ notice. Contact the society on 0843 775 4770.

I bought a Sony camera for £349 more than two months ago and still have not received the £50 cashback I was promised. I keep getting fobbed off. Can you help? J. M., by email

Sony can’t explain why this took so long, but it has finally sent you the money.

I’m looking to invest in the F&C Real Estate trust — how has it done? M. B., by email.

The latest figures from fund website Trustnet show that over the past 12 months the fund has returned 22 per cent, which would have turned £1,000 into £1,220.

F&C says the fund is currently paying an income of 5.4 per cent, too.

I understand that, under the new pension rules, from next year I will be able to take my pension as cash bit by bit, with the first 25 per cent tax-free.

I’ve built up £100,000 in pension savings. I also receive another small pension of £3,500 a year. My personal allowance before income tax kicks in is £10,500.

If I cashed in £10,000 a year from my pension, how much tax would I pay on it? S. F., via email

Danny Cox, head of financial planning at investment firm Hargreaves Lansdown, says: ‘You pay no tax on the first £2,500 withdrawn from your pension under the new rules. The next £7,000 will fall into your personal allowance and the remaining £500 will be taxed at 20 per cent. So you will pay £100.

‘This assumes you have no other income than your two pensions. But you may exhaust your pension savings within a few years, even though a retirement can last for decades.’

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ASK TONY: Air France lost our suitcase and we are still out of pocket for emergency clothing

By GSpot6667:32 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 23:39 GMT, 10 February 2015 | Updated: 08:56 GMT, 11 February 2015

Air France lost one of our suitcases on a journey from Manchester to Lyon. We were going on a river cruise and my husband had only the clothes he stood up in.

The airline told me to claim on its website, but I could only get a message saying ‘this file not available’.

We are in our 70s and finding this incredibly stressful: neither of us is in good health. The suitcase is still missing and we are out of pocket for emergency clothing. On top of this, we have lost everything in the suitcase.

Mrs C. E., Staffordshire.

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Feeling the chill: 'Air France lost one of our suitcases on a journey from Manchester to Lyon. We were going on a river cruise and my husband had only the clothes he stood up in'

You waited two months before finally running out of patience and writing to me on December 20. On December 30, Air France limped into action.

It sent you £663 to cover the emergency clothing and toiletries your husband had been forced to buy.

The first three days of your holiday were ruined because you were worried about the loss and unable to participate in day trips while you scoured towns for clothing, where pricey boutiques were often the only option.

You told me your husband had to wear your underwear for two nights until you found a shop selling some in bright pink, orange and yellow with French writing on the back. A shirt alone cost you €80.

At Air France’s request, you sent a list of items from your suitcase.

It seemed very reasonable, including items such as Marks & Spencer’s underwear and a Pringle tie.

The only expensive items were two pairs of prescription glasses.

I would suggest in future you try to carry such things in your hand luggage if possible, though I realise this can be difficult for older travellers.

After losing the luggage Air France said: '‘The impact on your reader’s holiday is very much regretted and we would like to assure you that we focus all our efforts on the improvement of our services'

The good news is Air France has topped up your compensation to £2,112, which is the maximum paid under the Montreal Convention covering airlines losing luggage.

This is based on two passengers at £1,056 each using the currency exchange rates at the time of your claim.

This doesn’t cover your full losses, but you plan to claim against your home contents insurance to make up the difference (you have ‘all risks’ insurance that covers items taken outside of your home).

An Air France spokesman says: ‘We consider the efficient handling of our customers’ baggage to be of prime importance. Your reader’s experience was not typical of the standard of service we aim to provide.

‘The impact on your reader’s holiday is very much regretted and we would like to assure you that we focus all our efforts on the improvement of our services.’

I’m glad to see that you have retained your sense of humour. As you said to me: ‘It’s a good job my husband didn’t get knocked down while wearing my knickers!’

Getting straight to the point

I am a pensioner and was advised by a broker to invest in contracts for difference. I put in £5,000 and now have only £300. What should I do?

E. F., Hants.

Contracts for difference are very high-risk, speculative investments, usually only suited to the wealthy; they are definitely not suitable for a pensioner.

You should consider reporting this firm to the Financial Conduct Authority and contacting the Financial Services Compensation Scheme to see if you can get any compensation.

If I take money out of a cash machine using a credit card, will it appear on my credit file?

T. D, Hertfordshire.

Yes. It won’t just be marked down as a credit card debt, but specifically as a cash withdrawal. This is because typically those who take money from cash machines using a credit card are less creditworthy. A one-off won’t make that much difference, but do it regularly and it could become a problem.

When the pension changes come in later this year, will I be able to cash in my annuity or take the remainder of it as a lump sum?

L. C., by email.

Currently there are no rules that allow you to cash in your annuity. Changes are possible in the future, but if you have an annuity as it stands, you will be unaffected by the pension rule changes in April.

MY 15-YEAR-old son found £40 in the street. I told him he had to hand it into police, but he said it was ‘finders keepers’. Who is right?

L. P., Street, Somerset.

Police expect anyone who comes across money in the street to take ‘reasonable steps’ to return it to its rightful owner.

In these circumstances, where there is no means of finding out who dropped it, it’s a windfall.

Much larger sums — say £500 — ought to be handed in. Give your personal details and you’ll become the rightful owner of the cash if, after 28 days, nobody claims it.

We put in an offer to buy a home in November, had it accepted, but are in danger of losing it because the application is taking weeks to go through. Our interview alone took three weeks just to arrange.

P. J., Dursley, Glos.

New mortgage rules introduced last year have tightened up the lending processes for many borrowers.

Banks and building societies are now taking much longer to assess affordability. It’ll be worth reminding your buyer this, and asking for their patience. I’m afraid this is a new reality for many movers.

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ASK TONY: Why did Post Office broadband switch off my burglar alarm and send me a letter for the cancellation charge?

By GSpot6667:09 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 00:45 GMT, 31 December 2014 | Updated: 10:10 GMT, 31 December 2014

As a Post Office HomePhone customer, I asked to add broadband to my package. I have a BT Redcare alarm system but was told the change would not cause any problems with this.

I was connected to broadband on October 20 and within five minutes of plugging in the router, the alarm monitoring company rang to say my line had gone down.

HomePhone said it was a fault in my socket box. Then I was told the line was not compatible with Redcare and they would sort it out.

I then received a letter saying I would have to pay the full cancellation charge.

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Baffling: 'I was connected to broadband on October 20 and within five minutes of plugging in the router, the alarm monitoring company rang to say my line had gone down'

Next I was told this a was a mistake and my new line to Redcare would go live on November 4 but I would lose my broadband for five working days.

I have spoken at least six times to HomePhone, each call involving at least an 18-minute wait for a reply and have been continually fobbed off. I still have no alarm service and no broadband and frankly do not believe a word they say. I. L., High Peak, Derbyshire.

The Post Office is suitably contrite about your case. It uses different technologies depending on which services customers require.

Your old line was compatible with the alarm system. But when you swapped to the combined phone and broadband package, you were also moved to another technology, which did not support the alarm system.

Post Office admits its systems should have detected the link to your alarm and set up the service in the correct way. As you discovered, in your case it didn’t.

A Post Office representative has now spoken to you to apologise.

Your line is working with the alarm system, and you have received £48.50 as a goodwill gesture.

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Saving for the good times: 'The second state pension is being scrapped. Does this mean I will be stripped of the money I have built up over the years?'

I have spent years building up a second state pension on top of my basic state pension of £113 a week. It means I should be entitled to £224 a week when I retire in 2016. But the second state pension is being scrapped. Does this mean I will be stripped of the money I have built up over the years? K. P., via email.

No. The second state pension is being removed as the new flat-rate state pension of around £151 a week is introduced. However, anything you have built up before 2016 you can still claim.

I tried to take a jumper back to a store because it didn’t fit, and the shop assistant told me I could only have an exchange. Isn’t it my right to a refund? It hasn’t been worn. H. J., Bristol

No. Under the Sale of Goods Act, High Street stores are only obligated to refund you if the item is faulty.

So while most major stores will offer you a refund in this instance, if you have the receipt and the item is returned within 28 days, by law they don’t have to.

Please could you tell me why my credit score with one credit reference firm is excellent and yet poor with another? Ian, via email

Your credit report, which lenders use to decide whether you are a good borrower, includes a mixture of information from public records such as electoral roll details. This information is collected by all three credit reference agencies, Experian, Equifax and Call Credit and should be the same.

However, your report also includes information from lenders such as which credit agreements you have and how you are repaying them. Because not all lenders share their information with every credit agency, the information can vary and therefore your score can differ.

I’m having a major problem with my bank, which won’t return my calls or letters. To whom can I complain? L. L., London

First complain to the bank or the company. If they cannot resolve your problem, go to the independent Financial Ombudsman Service.

You can contact them on 0300 123 9 123. You can write to The Financial Ombudsman Service, Exchange Tower, London E14 9SR. Alternatively you can email complaint.info@financial-ombudsman.org.uk

I have £75,000 in a savings account. Is it protected if my bank suddenly goes bust? J. S., Cambridge

All UK-regulated current or savings accounts and cash Isas in banks, building societies and credit unions are protected by the Government-backed Financial Services Compensation scheme.

If your bank goes bust, you are protected up to £85,000 per person. If your savings total more than this, it’s safer to spread them across a number of banks to keep within this limit at each individual institution.

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Your questions answered: Tony Hazell on bills, bad credit and insurance complaints

By GSpot6666:45 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 09:35 GMT, 17 September 2014 | Updated: 09:35 GMT, 17 September 2014

I switched to npower in March 2013 and set up a direct debit. I tried a number of times to get a bill, but failed. In May 2014, npower claimed they had not been collecting direct debits, but my records showed that they had.

In June 2014, npower told me that the switch had not actually gone through and I wasn’t a customer. They said I would get a full refund in two weeks, plus £50 compensation.

Npower has since sent a bill saying that I am in credit for £91.63, although they have collected £412.10 via direct debit.

I have tried to get a refund, but cannot get anywhere. D.R., London.

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Bills: Tony Hazell answers your questions

I always wondered what the ‘n’ in npower stood for; in your case, it is clearly No Power.

A spokesman for the company has apologised, saying this is not the level of service it expects to give its customers.

Npower has finally refunded your £479.07, and has also offered you a £100 goodwill gesture.

It seems the reason your switch did not go through was because your existing provider blocked it.

This is altogether another issue, which you may wish to take up with them. After all, you have presumably been charged their higher rates for the past 18 months, while you believed you had switched to a cheaper deal with npower.

Straight to the point

My two youngest children are in debt and have been using my address for bills, even though they have never lived here. I now have a bad credit report, is this because of their debt? F.?R., Kent.

This shouldn’t happen. Since 2004 your credit rating has been tied to your own personal finances, rather than your address. You need to get a copy of your credit report and see if your bad credit score is because your children’s records have mixed with yours.

I received a renewal quote for car insurance but after shopping around found a cheaper policy. However, the old insurer took the premium out of my account. I got a refund, but now it is chasing me for payment. T.?B., Cumbria.

Insurance companies automatically renew your insurance policy unless you tell them not to. It appears you did not communicate to the insurer that you did not wish to continue using their service. If you contact them and explain this, it should remedy the situation.

I’ve had a letter claiming to be from the Government’s Cabinet Office asking me and my family to take part in a survey.

It tells me to go to a website and enter in a reference number and password to participate. Is this a scam? A.?D., Chislehurst.

No — the Cabinet Office is inviting people to take part in its Community Life Survey by letter. It allows you to give your views on issues affecting your neighbourhood.

You mentioned in a recent article the difficulties caused by bank accounts that require you to pay out two direct debits each month.

We had the same problem when we moved to a water meter and the payments were made ten times a year. I contacted the water company and they have agreed that I could pay in 12 monthly instalments. D.B., Lancashire.

The Department for Communities and Local Government says it is also possible to change your council tax payments from ten instalments to 12, which could further help readers who need monthly direct debits.

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A friend's son is going to Thailand for a year. He'll rely on cash most of the time, what's the best card option for cheap ATM withdrawals?

By GSpot6666:29 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 09:55 GMT, 22 October 2014 | Updated: 09:55 GMT, 22 October 2014

The son of a friend is going to Thailand next month to do a year’s forest management course.

As he’ll be in remote areas he’ll have to rely on cash a lot of the time and he is looking into the most economical card — he looked at Caxton FX which seemed reasonable. What should he take? A.H., Hertford.

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Travels in Thailand: Taking a mixture of cash and a pre-paid currency card is the best way to

The old advice when travelling abroad was always to take a mix of ways of paying. I think that holds true for anyone taking a gap year.

First, when it comes to withdrawing cash, Thailand is well endowed with cash machines. Visa has a global ATM locator on its website.

But there are two things to watch out for. First is a withdrawal fee of about 150 or 180 baht — about £3 to £3.50. This is likely to be charged also if he withdraws cash at a bank from a pre-loaded card.

Some cash machines may offer to convert the withdrawal to sterling. Refuse this because the rate could be 5 per cent to 7 per cent worse than if he allows his own bank to do it.

Bob Atkinson, travel expert at MoneySuperMarket, says: ‘A pre-paid currency card can serve as a great alternative to withdrawing cash abroad. They can be topped up online, so if you run out of cash, they are a useful tool, and will put many parents’ minds at ease.’

Your friend’s son can load a card with money before travelling and it can be topped up by his parents online. The card you mention, Caxton FX, charges 2.75 per cent to convert the currency but there are no other charges at cash machines. However, if he withdraws cash over the counter, the cost is £4.50 plus 2 per cent of the amount withdrawn.

Fairfax charges 1.4 per cent when the card is used for spending plus £1 for cash machine withdrawals. It will also cost £9.95 to load it for the first time if he puts on less than £500. MyTravelCash has a 2.99 pc conversion fee. It also charges dormancy and inactivity fees.

There’s also the Travelex Global Cash Passport which costs £9.99 and charges 2.49 per centper transaction plus £10 for over the counter withdrawals. ICE Sterling Travellers Cashcard charges a 2.85 per centload or top-up fee.

I would definitely take a credit card designed for overseas use — but he may have left it a little late to apply.

Halifax Clarity is the best because it does not charge for withdrawing cash at machines — nor does it charge for currency conversion.

There would be interest of around 1 per cent a month on cash withdrawals but none for purchases if the bill is repaid in full each month.

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ASK TONY: Virgin won't cancel internet contract for my sick brother

By GSpot6666:13 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 01:01 GMT, 26 November 2014 | Updated: 09:16 GMT, 27 November 2014

My brother is very ill and awaiting an operation to remove a cancerous tumour. He has been appealing to Virgin (supported by his oncologist) to reconsider his agreement to sign up for a very comprehensive Virgin package, including high-speed broadband, phone and TV.

He lives alone, cannot work and is living on social security benefit while suffering from oesophagus cancer. He was sold the package while undergoing his second round of chemotherapy and is awaiting a major operation in November. D. W., via email.

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I contacted Virgin Media with what I hoped would be a straightforward case.

After all, it must be exceptional for a customer to have their appeal backed up by a letter from their oncologist.

This described the effects of the chemotherapy and drug treatment your brother was receiving at the time he agreed to the package. These include ‘drowsiness and confusion’. Your brother said he was ‘so spaced out, I didn’t know what I had done’.

In fact, he had signed up to an 18-month contract for the XL TV package with two set-top boxes plus the 152 megabit broadband and a phone line. The cost was £40.99 for 12 months rising to £67.99 after that.

Astonishingly, Virgin Media took no notice of the oncologist’s letter in its initial response, which appeared to be a standard letter sent to a customer who breaks their contract.

They terminated the contract on November 5, but still wanted to charge a £240 disconnection fee. When I asked them to reconsider, they came back with an offer to halve this to £120.

When I pushed, they initially refused to budge saying they were concerned about the Mail publishing details of the fee being waived.

This suggests that in the world of big business, compassion and kindness are something to be ashamed of, rather than virtues that can enhance a company’s image and reputation.

However, Virgin finally relented when I pointed out that your brother was having major surgery on the day I was speaking to them — and that was probably why he was not receiving their calls.

So the company has done the right thing in the end.

Incidentally, I don’t think it would be fair to suggest mis-selling. The Virgin salesperson would not have known of your brother’s condition unless he offered the information, so no blame can be attached to the company for the sale. Both Virgin and I wish your brother well.

_____________________________

PENSION CASH-IN TAX SHOCK

I had a big shock regarding tax after cashing in my Aviva stakeholder pension. I started saving in 2004. I paid in just over £2,800 every year and this was topped up by the Government to £3,600.

The money was paid out of my building society savings, not out of earnings, as I have not been employed since getting married in 1970. I stopped paying this in 2008.

The pension was worth just over £18,000. I received £4,526.29 tax-free cash, but they took off £2,715.77 tax from the remaining plan value of £13,578.85.

Surely as I paid in £14,400 out of my savings, it should not now be subject to tax. Mrs P. H., Herefordshire.

Your letter illustrates once again just how complex pensioners’ tax situations can be.

You have sent me HMRC’s tax calculation and this all looks to be in order. I’ve also had it double-checked by HMRC and they are happy that it is correct.

In fact, you have done rather well out of your pension, tax-wise. You received almost £800 a year tax relief in the form of a top-up to your contributions.

But when you took the pension, a quarter of the money was tax free while you had to pay 20 pc tax on the remaining three-quarters.

Here’s an example of how the sums work out.

In 2004 you paid in £2,808 and got £792 added for free. Ten years later, you got the £3,600 back, plus investment growth. Of this, £900 was tax free. You had to pay 20 pc tax on the other £2,700, giving you a tax bill of £540. This left £3,060 in total (before any investment growth) yet you paid in £2,808.

This leaves the question of why too much tax was taken initially.

An Aviva spokesman says: ‘When we make a payment from a customer’s pension, we don’t have prior knowledge of any other income they are receiving. This means any tax we deduct is based only on the amount we pay them and HMRC legislation, which requires us to deduct tax at the basic rate from three-quarters of the payment.’

This meant you were entitled to more tax-free income, which explains why you have received the tax rebates.

Straight to the point

How you do apply for cold weather payments from the Government? J.B., by email.

You don’t need to apply for cold weather payments — they’ll be paid to you automatically if you’re eligible. You get £25 each time there’s a seven-day period where the temperature is either recorded as, or forecast to be, on average below 0c in your area between November 1 and March 31. If you think you qualify for the benefit but haven’t been paid, contact your local Job Centre Plus.

I am due to retire under the new state pension to be introduced in 2016. I understand the current state pension rises every year. Will that be the case with the new state pension? M.C., Romsey, Hants.

Increases in state pension payouts are calculated in line with something called the Triple Lock. This promises that payouts rise by the highest of inflation, average earnings or 2.5 per cent. This deal is guaranteed only until the end of this Parliament next year.

My husband and I have just had a baby. There are lots of children’s accounts, but I am confused by the difference between tax-free Junior Isas and children’s bank accounts. Surely my baby is far too young to pay any tax, so what’s the point of taking Junior Isa? R.M., Sheffield.

You pay tax based on your income and not age. So if your baby had an income of more than £10,000 a year, tax would have to be paid on this sum. With a children’s bank account, parents must pay tax at their normal rate of income tax if they have given the money and the account makes more than £100 of interest in a year. This limit is increased to £200 if both parents give cash.

By contrast, a Junior Isa is tax free and parents who want to invest on behalf of their child have a greater choice of funds. Plus, once your child is older, they can roll the money over into an adult Isa.

Will you be able to hold the new Pensioner Bond, due from National Savings & Investments next year, in joint names? If one holder dies during the term, will the survivor have immediate access? N.W., by email.

You can combine your full allowance — maximum £10,000 per individual per bond — with another person aged 65 or over. So you can invest up to £20,000 in a joint account in the one-year bond and another £20,000 in the three-year deal.

If one joint holder dies during the term, ownership passes to the survivor. If you want to cash it in early, you have to pay a charge equal to 90 days’ interest.

My friend is separated but not divorced. Who will inherit her apartment when she dies — her husband or children? J.D., by email.

You friend is still legally married to her husband regardless of how long they have lived apart. If she doesn’t leave a will, under the rules of intestacy her husband will inherit all of her personal possessions and any assets, including property, up to the value of £250,000.

If the estate is worth more, the children will share half of anything over that amount.

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ASK TONY: Why has my British Gas boiler and central heating policy gone up by 20%?

By GSpot6665:48 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 00:43 GMT, 28 January 2015 | Updated: 09:37 GMT, 28 January 2015

I rang British Gas to ask why the cost of my boiler and central heating policy had risen by nearly 20 per cent to just over £30 a month, but I couldn’t get a straight answer. Are you able to help?

N. S., Looe, Cornwall.

You called out a British Gas engineer four times last year: twice for faulty radiators, once for a problem with boiler pressure and once to clear central heating pipes. The more claims you make, the higher the premium on renewal.

If you’re really unhappy, you could threaten to leave and see if British Gas is prepared to lower your premiums. Many readers have tried this and saved up to £60 a year.

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Boiler problems: A reader has seen the cost of boiler insurance go up by 20% after making four callouts

How can I find out if I have won anything on my £1 Premium Bond, bought in 1956?

G. S. by email

National Savings says the bond number you supplied us with was registered in your mother’s name and cashed in in March 2000 following instructions from the executor of her estate.

You can cash in bonds without actually sending them in as long as National Savings can verify it is paying the right person.

I’m having a dispute with my bank and would like it to submit all the documents it has about me. I was told it would cost £10 and I would have to wait 30 days for a response. Is this correct?

P. F., via email.

Under the Data Protection Act, you are allowed to get a copy of any information an organisation holds about you. This is known as a Subject Access Request. They can charge £10 for this. They have 40 days starting from the date they receive the fee and your request.

I switched to a new energy firm. My old supplier told me not to cancel my direct debit so it could pay any credit straight into my bank account.

Is that really the right thing to do?

J. P., Bath

Doing as they say means you will get any money you’re owed back faster than if they have to send you a cheque in the post.

The thing to be wary of is that energy firms don’t have the best customer service — so you may find that they keep taking payments off you even though you’ve moved account.

If this happens, call your bank and cancel it immediately so it can’t be taken any more.

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ASK TONY: I was mis-sold so why am I being charged £1,750?

By GSpot6665:24 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 00:02 GMT, 22 October 2014 | Updated: 17:47 GMT, 22 October 2014

My mum, who is 95, was advised by an independent financial adviser (IFA) to invest £175,000 in a Skandia Executive Investment Bond, thereby earning the adviser commission. The money went into a Bradford & Bingley deposit account so could have been invested directly with the bank.

The IFA shark paid compensation in 2013. But Skandia refuses to allow her to exit without paying quite a large cancellation charge — £1,750. As a result, she has been paying £659.73 every quarter for seven years!

The product is manifestly inappropriate and I feel that the levy of a penalty on a mis-sale is contrary to obligations that investors should be treated fairly. Unfortunately, Skandia refuses to budge and insists that there is nothing wrong with the product itself, which is true.

I would be happy to pay a charge commensurate with the investment, but not this blatant rip-off! A.R., by email.

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It’s important to get two things clear at the start. Financial advisers are supposed to advise on suitable investments. The product provider manufactures the investment but is not, generally, responsible for when something goes wrong with the sale.

In your case you got the financial adviser to pay up for the mis-sale, but you were then stuck in a no-man’s land with a product you did not want. Like you, I felt it was wrong that your mum should be expected to pay an exit fee to get out of a product she should never have been sold in the first place.

But things turned out to be a little more complicated than I had expected. Although the money belonged to your mum, you had, for simplicity, invested in your name alongside some investments your IFA had sold to you.

After a little deliberation Skandia agreed that the investment could be cashed in without her paying the £1,750 penalty.

But I felt this did not go far enough. You had been fobbed off when you originally questioned this, so I felt that Skandia should refund the management charges going back to the date of your original complaint. More huffing and puffing followed as Skandia needed to unravel the charges covering these investments from others being held. But they were happy to do the right thing and offered to refund £2,334.93 in charges.

In the meantime, the company changed its name to Old Mutual Wealth. When I contacted you, you were very happy with this outcome, but have now suggested an alternative solution which would involve keeping the investments.

A spokesman for Old Mutual Wealth says: ‘The investment was made through a financial adviser. Mr R has since explained to us that part of his investment did not meet his mother’s needs and that his adviser accepted this.

‘We feel it is right to waive the fees she would normally face. We have also agreed to refund the charges paid on this since Mr R first contacted us. We have apologised to Mr R for the delay in resolving this matter.’

Straight to the point

I've been sent a new debit card that has contactless technology, but I would prefer one without. Can I request one? A.L., Leeds.

It depends on your bank. NatWest issues only non-contactless cards on its basic account, but soon all its cards will be contactless.

Nationwide issues only contactless cards, but from early 2015 is introducing an option for those who don’t want one. Lloyds, Santander, HSBC, Barclays and TSB issue contactless cards as standard, but you can request a non-contactless one.

Why is the UK the only country where diesel is more expensive than petrol? G.C., Harrogate.

THE wholesale price of diesel and petrol are about the same, but diesel is typically around 5p per litre more expensive on the forecourt.

Primarily, this is because UK oil refineries are not geared up to meet the demand for diesel. British drivers also pay one of the highest rates of tax on it in the world, a massive 59 per cent, which means if it costs £100 to fill up your tank, £59 goes on fuel duty and VAT.

I have a timeshare in Spain I want to sell, but am struggling to find a buyer. I was approached by a company that said it could buy it off me, but I would have to pay an upfront fee. Is this a scam? M.C., Alicante, Spain.

Yes. Under EU rules it’s illegal to ask for money upfront to sell a timeshare. Some firms that offer to buy back your timeshare are genuine, though. Call the Timeshare Association on 0845 230 2430. It will check whether the firm is reputable.

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I took out a life insurance policy with Pearl in 1922 - why is it only worth £15 today?

By GSpot6665:09 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 10:09 GMT, 19 November 2014 | Updated: 15:26 GMT, 20 November 2014

We have received payment on an old life insurance policy taken out with Pearl.

The policy commenced on April 24, 1922. Forty-four years later, it was stamped as being ‘paid up’. The document clearly states that the sum assured is £15 13/2d.

More than 48 years later, in May, Phoenix Life, which now owns Pearl, says the policy is worth £15.66. This is exactly the same amount as quoted in 1966, after converting the old imperial currency into decimal.

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No interest: The reader asks why the policy taken out in 1922 is worth £15.66 today

I have asked Phoenix to explain why there has been no interest or bonus added, but do not understand the explanation. Mrs P. W., Romford, Essex.

Many years ago, it was common to take out a whole-of-life insurance policy on a child.

In 1922, more than 60,000 infants died in the first year of life. That year, there were just under 746,000 births, so the child mortality rate was much higher, making insurance seem a sensible option to ensure a child could be given a decent burial.

Premiums were payable weekly throughout their life and were usually collected at the door.

This policy did not include any investment growth, but Pearl Assurance did declare a bonus for the first time in 1930. This was based on company profits and would have resulted in a small amount being added to the guaranteed sum assured on policies issued before 1923.

In this case, the original sum assured was £17.30, but bonuses added up to 1966 would have increased this to £21.65.

Then, in 1966, the policyholder stopped paying premiums. This meant that, in the insurance industry jargon, it became ‘paid up’.

In practical terms, the insurance cover and bonuses were adjusted to take account of the fact that no further premiums would be paid. This reduced the value of the policy to £15.66.

No further bonuses were added because Pearl’s view was that, once customers stopped paying premiums, they no longer participated in the future profits of the company, so should not enjoy the benefits of those profits, either.

Incidentally, the original cover of £17.30 in 1922 is equivalent to £738 today, while the £21.65 value in 1966 is equivalent to £366.

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ASK TONY: Scam phone call claiming to be from the police fraud team

By GSpot6664:47 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 01:05 GMT, 21 January 2015 | Updated: 09:27 GMT, 21 January 2015

I had a phone call from a man claiming to be from a police fraud team. He told me that someone in London had taken £1,400 from my savings account and another person in Southend had taken a further £200.

He said his name was Phillip Field. He gave me a badge number, then suggested I put down the phone and dial 999 to confirm he was a policeman.

I did this and was put through to him. He said everyone at my branch of Barclays bank was involved in a counterfeit money scam. Under his instruction, I went to my local Barclays branch and, over two days, cashed in my Isa savings.

Mr Field sent a security fraud officer to pick up the money and said that my counterfeit money would be replaced with genuine money. He asked me not to mention it to my family or friends at this stage.

I had to tell him the cashier’s name, as they were going to be making an arrest that day.

On August 14, I found out this was a con. Barclays says it will not cover my losses, because I signed for the money and walked out of the bank.

Mrs M. D., Essex.

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Growing concern: If you think you have been scammed tell friends or family and call Action Fraud on 0300 123 2040 or visit actionfraud.police.uk

You have fallen victim to a very nasty scam, which relies on you mistrusting your bank and trusting a total stranger.

And you’re not alone. In the year ending March 2014, 211,344 fraud offences were recorded in England and Wales. Barclays tells me the young are just as likely to fall victim as the elderly — partly because they are more trusting of technology.

This criminal was able to convince you because you dialled 999 at his instruction. What you did not realise (and many do not) is that if the person who calls you does not hang up at their end, the line stays open.

This means you are not dialling 999 or anything else. Instead, you simply remain connected to the person you had just spoken to (or an accomplice at that end). I’m afraid Barclays cannot be held responsible and your money is lost. I have spoken to them and it seems the cashier, who knew you, asked what the money was for. You told him you had a ‘personal reason’ for taking it.

The cashier tried to offer you the option of a direct transfer, rather than taking out cash, but you said you needed the cash. The British Bankers’ Association is so concerned about this and other types of fraud that it has launched a campaign called Know Fraud, No Fraud.

If a third party contacts you claiming to be from the police, the correct thing to do would be to contact your local bank or their head office. Don’t call straight away, as the crooks may have kept the phone line open.

Tell friends or family and call Action Fraud on 0300 123 2040 or visit actionfraud.police.uk

Among the things your bank (or the police) would never ask you to do are:

- Give your Pin or passwords over the phone or via email;

- Send someone to your home to collect cash or bank cards;

- Ask you to email or text personal banking information;

- Send you an email with a link to a page that asks you to enter your login details;

- Ask you to authorise a transfer of funds to a new account;

- Ask you to carry out a test transaction online;

- Provide banking services through any mobile apps other than the bank’s official apps.

You may feel rather silly, as well as angry, at the moment, but you are far from the only one to fall victim to such frauds.

However, aside from reporting this to the police and the bank, which you have done, there is nothing else that can be done.

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Barclays charged me for a company's goods I never received - how can I get the money back?

By GSpot6664:30 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 23:39 GMT, 10 February 2015 | Updated: 08:28 GMT, 11 February 2015

I am 95 and disabled. I have a concern with my Barclaycard that is worrying me out of all proportion to the relatively small sum involved.

In September, a firm took £23.96 from my account for goods I never received. In November, Barclaycard credited this to my account but my December statement shows that it is charging me this amount again. It insists the account is correct, but I think I am still £23.96 out of pocket.

I do not know whether the item was shipped or not, but I do know that it never arrived. My guess is that it went to a similar-sounding address nearby, which is owned by a TV celebrity. It may well have been dumped on his doorstep and later purloined by someone.

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A Barclays spokesman says: ‘We always aim to offer our customers the highest level of service and we are very sorry that on this occasion we fell short'

G. F., Kent.

When I contacted Barclaycard, it quickly sorted out the problem and confirmed your refund is permanent and you will not be recharged. The confusion was caused because one of the figures quoted in a letter from Barclaycard to you was inaccurate.

A spokesman says it very much regrets this and the delay in sorting out your complaint. By way of apology it has credited your account with £50 for the inconvenience and a further £20 to cover your postage costs.

A spokesman says: ‘We always aim to offer our customers the highest level of service and we are very sorry that on this occasion we fell short.’

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ASK TONY: British Gas offered me a cheaper renewal price for services but are still charging me the original higher price and are not responding to calls - what should I do?

By GSpot6664:12 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments

By Tony Hazell for the Daily Mail

Published: 01:05 GMT, 21 January 2015 | Updated: 09:28 GMT, 21 January 2015

I was quoted a renewal price of £398.60 a year, about £33.21 a month, for my British Gas Services central heating, plumbing and drains cover. I rang to say I was moving to a cheaper supplier and British Gas Services offered a lower quote of £19 per month — which I accepted.

However, they have continued to take £33.21 per month. I have phoned seven times to complain. Each time, I have been told that the call was recorded and the issue sorted out.

I have also written to Helen Emms, head of customer relations at British Gas Services, giving details of all of the people I spoke to and suggesting that they listen to the phone calls. I have not received a reply.

I am 80, and dread to think what this has cost me in phone calls, time and stress.

J. E., Stourbridge, W. Mids.

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Reason to complain: 'It seems you were caught in that infernal problem — the computer system error', Tony said

I had been under the impression that British Gas customer service had got a lot better. British Gas accepts it has made mistakes in your case, and was quick to resolve your problem once I gave them the details.

It seems you were caught in that infernal problem — the computer system error. Each time you called, staff correctly checked the computer system, which showed that your new, lower payment had been set in train. However, the computer was failing to put the new payment through.

Someone from British Gas has now spoken to you to apologise and set up a lower payment. Your extra payments have been refunded, and you will receive £150 as a goodwill gesture.

A spokesman says: ‘We want to ensure every British Gas customer gets the best possible service but, unfortunately, a system error meant, on this occasion, we fell short of this.’

You also complained that you wrote to Helen Emms, head of customer relations at British Gas Services, and received no response. I think here you were, perhaps understandably, a little impatient. Your letter to her was dated December 20 — and you wrote to me on January 2.

December 20 was Royal Mail’s last recommended posting date for first-class mail to arrive before Christmas. Few offices are fully staffed over the festive period, so the letter is unlikely to have been seen before December 29 at best.

Police phone scams

He said his name was Phillip Field. He gave me a badge number, then suggested I put down the phone and dial 999 to confirm he was a policeman.

I had to tell him the cashier’s name, as they were going to be making an arrest that day.

On August 14, I found out this was a con. Barclays says it will not cover my losses, because I signed for the money and walked out of the bank. Mrs M. D., Essex.

You have fallen victim to a very nasty scam, which relies on you mistrusting your bank and trusting a total stranger.

Tell friends or family and call Action Fraud on 0300 123 2040 or visit actionfraud.police.uk

Among the things your bank (or the police) would never ask you to do are:

- Give your Pin or passwords over the phone or via email;

- Send someone to your home to collect cash or bank cards;

- Ask you to email or text personal banking information;

- Send you an email with a link to a page that asks you to enter your login details;

- Ask you to authorise a transfer of funds to a new account;

- Ask you to carry out a test transaction online;

- Provide banking services through any mobile apps other than the bank’s official apps.

You may feel rather silly, as well as angry, at the moment, but you are far from the only one to fall victim to such frauds.

However, aside from reporting this to the police and the bank, which you have done, there is nothing else that can be done.

Getting straight to the point

I believe I’ve been mis-sold payment protection insurance (PPI). I submitted my claim to the Financial Ombudsman Service, but it still hasn’t been dealt with. How much longer must I wait?

J. F., Lytham St Annes.

The Financial Ombudsman Service is receiving about 4,000 PPI complaints a week and there is a backlog of hundreds of thousands of complaints.

The Ombudsman says it takes around 18 months to deal with each case.

My wife died nine years ago, leaving everything to me. When I die, will my children have to pay inheritance tax?

G. M., Ilford.

Married couples can pass on property to one other without incurring inheritance tax, which kicks in at 40 per cent over £325,000.

As it is unused, this inheritance allowance will be carried over when you die, so your children will only pay inheritance tax on anything over £650,000.

I have shares in the old Trustee Savings Bank (TSB) from the Fifties. I’d like to dispose of them, but don’t know where to go.

A. B., Sutton Coldfield.

Your shares were probably sucked into the Lloyds Banking Group when Lloyds took over TSB in 1995. To uncover their fate, call Investor Relations at Lloyds on 0207 356 1187, or write to them at 25 Gresham Street, London, EC2V 7HN.

Our bathroom fan doesn’t work very well, so I’ve started leaving the window open in the day to clear condensation. Would we be insured if a thief got in?

W. E., Weston-super-Mare.

As a rule, insurers may not pay out if burglars can get into your home without having to force their way in.

Typically, an easily accessible window left open on the ground floor would void a claim. For peace of mind, get the fan fixed.

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ASK TONY: Please stop NatWest asking about my son who died 11 years ago

By GSpot6663:49 AMAgen Bola dan Kasino Online, Agen Bola Terpercaya, Bandar BolaNo comments