UK Pension
#31
Banned








Joined: Oct 2008
Posts: 3,824
From: the GTA











Retired friends here in BC have just received a very curt letter from the Pensions Office. They have been caught out (don't ask me how) collecting their pension here using an address of a house they still own in the UK.
Don't know if they have to pay anything back...
We changed our residency as soon as we got PR status....I'd never make a gansters moll!
Don't know if they have to pay anything back...
We changed our residency as soon as we got PR status....I'd never make a gansters moll!
#34
Banned








Joined: Oct 2008
Posts: 3,824
From: the GTA











Piety has sweet FA to do with it. They are thieves picking the pockets of the UK taxpayers, one of which I am not and from your described location, you are.
I can only assume from your comment you are/were in full agreement with the UK MPs' actions in the recent expenses scandal.
I can only assume from your comment you are/were in full agreement with the UK MPs' actions in the recent expenses scandal.
#35
BE Forum Addict






Joined: Aug 2007
Posts: 1,357
From: North











Piety has sweet FA to do with it. They are thieves picking the pockets of the UK taxpayers, one of which I am not and from your described location, you are.
I can only assume from your comment you are/were in full agreement with the UK MPs' actions in the recent expenses scandal.
I can only assume from your comment you are/were in full agreement with the UK MPs' actions in the recent expenses scandal.
I never said I was in agreement to anything. I was merely moved to comment on you willingness to judge.
How come I'm picking the pocket of tax payers?
#36
Banned








Joined: Oct 2008
Posts: 3,824
From: the GTA











How come I'm picking the pocket of tax payers?
A taxpayer, not a pickpocket!
A taxpayer, not a pickpocket!
#39
Thieves is a little strong, they must have paid in to get the pension. The only reason they do not get the just return on their pension is that the government has decided to renage on the deal.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell.
I am planning to transfer all my movable pensions into my Canadian fund for the single reason that if anything happens to me, my wife has access to 100% in Canada whereas in the UK it depends on the scheme.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell. I am planning to transfer all my movable pensions into my Canadian fund for the single reason that if anything happens to me, my wife has access to 100% in Canada whereas in the UK it depends on the scheme.
#40
BE Forum Addict






Joined: Aug 2007
Posts: 1,357
From: North











Thieves is a little strong, they must have paid in to get the pension. The only reason they do not get the just return on their pension is that the government has decided to renage on the deal.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell.
I am planning to transfer all my movable pensions into my Canadian fund for the single reason that if anything happens to me, my wife has access to 100% in Canada whereas in the UK it depends on the scheme.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell. I am planning to transfer all my movable pensions into my Canadian fund for the single reason that if anything happens to me, my wife has access to 100% in Canada whereas in the UK it depends on the scheme.
#41
Binned by Muderators










Joined: Jul 2007
Posts: 11,708
From: White Rock BC











They gained money by deception, so if thieves is not an apt description then fraudsters certainly is.
Nobody made any agreement with me when I started paying NI. It was deducted from my wages because my employer had to by law, and the same law dictates how and when it is paid out as a pension.
I am not trying to say it is fair, because it isn't. However, it was the law when I paid my NI, it was the law when I emigrated, and it is still the law now. Nobody has taken away my right to an index linked state pension. I have chosen to live in as country were it will not be indexed.
By all means, try and lobby the UK government to get the law changed. By all means complain. But, if you know you are not entitled to something by law, and you lie to get it, then you deserve to be caught and punished.
That seems sensible. When (if) the exchange rate improves a bit I think I will do the same.
they must have paid in to get the pension. The only reason they do not get the just return on their pension is that the government has decided to renage on the deal.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell.
I cannot image a private pension being able to say...
"ahh, yes, so sorry but you are living in the wrong place so we will stop paying the agreed amount."
Nobody said to me when they started taking from MY earnings NI payments (insurance for healthcare, unemployment and pension).. Oh by the way, move to another country (which we don't have an agreement with) and we don't have to stick to the agreement we have with you.
Another way of the government doing a Robert Maxwell.
I am not trying to say it is fair, because it isn't. However, it was the law when I paid my NI, it was the law when I emigrated, and it is still the law now. Nobody has taken away my right to an index linked state pension. I have chosen to live in as country were it will not be indexed.
By all means, try and lobby the UK government to get the law changed. By all means complain. But, if you know you are not entitled to something by law, and you lie to get it, then you deserve to be caught and punished.
I am planning to transfer all my movable pensions into my Canadian fund for the single reason that if anything happens to me, my wife has access to 100% in Canada whereas in the UK it depends on the scheme.
#43
BE Enthusiast





Joined: Oct 2002
Posts: 556
From: Ottawa, Canada











It's just what I think will happen, not what I think is right.
Picking up a paper/watching the news you may notice that the UK is not doing very well financially so I can understand why the UK may want to keep as much of it's money inside the UK as possible. I would of course love for the rise to be granted as I will be in Canada in 3 months and will continue to pay into my state pension.
Picking up a paper/watching the news you may notice that the UK is not doing very well financially so I can understand why the UK may want to keep as much of it's money inside the UK as possible. I would of course love for the rise to be granted as I will be in Canada in 3 months and will continue to pay into my state pension.
The UK government has short change my wife and I by over 37,000 pounds since we started receiving it in 1995.
#44
Forum Regular



Joined: Nov 2008
Posts: 203
From: Prince Edward Island











According to the Canadian Alliance of British Pensioners, the indexing of our pensions would represent only 1% of the annual NIC take. Not very much is it? A further point is that until you make a claim, most expats don't know that it is not indexed (I am talking about people who move here in their 20s, 30s & 40s etc).
I did (when I was 60 & my Hubby 69) but it was a gamble I was prepared to take to live close to my daughter & grandsons. There are a lot of people who simply cannot afford to so do. I count myself very lucky.: & feel very sorry for those who can't)
Valerie
I did (when I was 60 & my Hubby 69) but it was a gamble I was prepared to take to live close to my daughter & grandsons. There are a lot of people who simply cannot afford to so do. I count myself very lucky.: & feel very sorry for those who can't)
Valerie
#45
BE Enthusiast





Joined: Oct 2002
Posts: 556
From: Ottawa, Canada











According to the Canadian Alliance of British Pensioners, the indexing of our pensions would represent only 1% of the annual NIC take. Not very much is it? A further point is that until you make a claim, most expats don't know that it is not indexed (I am talking about people who move here in their 20s, 30s & 40s etc).
I did (when I was 60 & my Hubby 69) but it was a gamble I was prepared to take to live close to my daughter & grandsons. There are a lot of people who simply cannot afford to so do. I count myself very lucky.: & feel very sorry for those who can't)
Valerie
I did (when I was 60 & my Hubby 69) but it was a gamble I was prepared to take to live close to my daughter & grandsons. There are a lot of people who simply cannot afford to so do. I count myself very lucky.: & feel very sorry for those who can't)
Valerie
Over the last 14 years the exchange rate has been the biggest problem. At one time it was good at $2.25 to the pound unlike the $1.75 we are seeing today. Thats over a $1000/year difference.




