Pension from UK

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Asia > Philippines Expat Forum

Philippines Expat Forum The Philippines Expats Forum is dedicated those individuals that have chosen to make Philippines their new home. This forum is an ideal place for Expats now living in Philippines to meet and discuss all aspects to their new way of life.

Like Tree2Likes
  • 1 Post By expatuk2016
  • 1 Post By expatuk2016

Pension from UK


Reply
 
Subscribe to this Thread Thread Tools
  #1 (permalink)  
Old 11th December 2017, 12:59 PM
New Member
 
Join Date: Aug 2017
Location: Quezon City
Posts: 31
Rep Power: 57
micass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the rough
20 likes received
34 likes given

Users Flag! Originally from england. Users Flag! Expat in philippines.
Default Pension from UK

Please read my recent communication to the pensions office in the UK. Although I am not totally reliant on my pension recent events show that those dependent on their pension could find themselves in a perilous situation. I would like to hear observations from other UK pensioner ex-pats. Cheers. Mike.

Dear DWP

I am writing this message because now I have twice been at the receiving end of what I consider a very unhelpful policy regarding ‘life certificates’.

The present policy is that, if a certificate is not received by you within 16 weeks then you stop all pension payments to that recipient. This is on the assumption that the certificate request is ‘ignored’.

In my instance it was because I lived in two countries where the postal service is poor if not appalling. The two countries in question are Thailand and Cambodia. Their language is completely different as is the ‘written’ word. It is commonly called ‘wriggle’ writing and is totally indecipherable to users of the ‘English Style alphabet’.

What is often overlooked is very few people in those countries can read English and to them the written language of English is as undecipherable as theirs is to us. Post office delivery workers are not employed for their English language skills and will often post letters that they cannot decipher the address of, into the nearest post box where often it will then be dumped as trash mail.

There is no means of knowing a life certificate request has been issued and it is completely random. People like me only know when the pension is cut off, a rather draconian way of alerting the recipient.

So we come to the point in question. It begins when the pension recipient suddenly finds no money has come in. Some pensioners over here are totally reliant on these monthly payments and money not arriving as usual can have catastrophic results, even life threatening if the money is required for essential medication.

I know it can be resolved by a simple phone call, but what happens if the recipient has no money to call?? What happens if the money is desperately needed for life saving medication?? Rent could be due and they get kicked out for non-payment. There are many more factors to consider.

ALL this can be avoided by one SIMPLE change in policy. Cut the pension payment in HALF. It is enough to allow safe continuation of living but flags the recipient that he needs to contact DWP. If nothing is heard when the next payment date arrives THEN it can be cut completely. As most problems are resolved with a single phone call, no one is left in an intolerable position outside their control.

If that had been done in my instance I would have immediately contacted DWP. I was advised when I changed my banking data to the Philippines that my pension ‘could’ take 11 days to arrive. The first payment after changing my banking details arrived 5 days after issue. When the next payment did not arrive 28 days later I assumed that the holidays in America (All pension payments go via USA????) caused a delay, so I waited. Then I assumed that the 5 days arrival was a ‘quirk’ so I waited the 11 days only to find no money arrived. Then it was the weekend so I had to wait 2 more days only to find out the delay was because of the life certificate. It gave me two weeks of desperation because of an imbalanced policy.

Finally my pension arrived 2 weeks after it was promised for release leading to a thoroughly worrying situation whereby I wondered if it would EVER arrive .

Cutting my pension in half would have immediately notified me I needed to contact DWP and would not have left me nearly destitute. I was lucky in so far as my medication is for pain relief and not for a life threatening medical condition.

Please consider this suggestion as I am sure many hundreds of ex-pats who are reliant on their pension for survival would echo my words. No-one would suffer unnecessarily because of stray mail which is often the major cause of non-compliance, such as in my case.

Yours sincerely

Reply With Quote Quick reply to this message
  #2 (permalink)  
Old 11th December 2017, 02:05 PM
Gary D's Avatar
Member
 
Join Date: Oct 2013
Location: Hermosa Bataan
Posts: 1,807
Rep Power: 225
Gary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud ofGary D has much to be proud of
1644 likes received
352 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

No never fly, much too sensible.

Reply With Quote Quick reply to this message
  #3 (permalink)  
Old 11th December 2017, 03:33 PM
Member
 
Join Date: Mar 2016
Location: Los banos
Posts: 164
Rep Power: 89
expatuk2016 has a spectacular aura aboutexpatuk2016 has a spectacular aura aboutexpatuk2016 has a spectacular aura about
215 likes received
5 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

This happenned to myself and my wife 2 years ago !
We both receive Pensions from the UK.
Without any warning both our pensions were stopped !
We waited for a week still no pensions.
I phoned the UK pensions dept using a free call website and they phoned us .back right away.
And they told us they had not received the " proof of life " forms .
When i explained neither myself or my wife had recieved the forms.
They asked me for an email address so we could download them.
Which we did, however we had problems getting the forms verified by the people of good standing !
Our BDO bank manager would not sign them as it was something she was not used to.
We got a local police captain to sign and luckily we have Dentists in the family
Whose signatures and photocopies of their ids were accepted. We sent the forms back by LBC.
And all was sorted.
Last year i emailed the pension service asking them about the " proof of life forms " and do i need to send them again, the reply was " Proof of life forms are sent randomly, therefore you may or may not be sent them "
The postal service is very unreliable here , and most of the mail from abroad if we do receive it has been opened.
Which is why we have told all our friends and relatives abroad not to mail anything to us , but use email
And we always send things abroad using LBC
micass likes this.

Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
  #4 (permalink)  
Old 11th December 2017, 07:36 PM
hogrider's Avatar
Member
 
Join Date: May 2010
Location: Davao
Posts: 581
Rep Power: 219
hogrider is a glorious beacon of lighthogrider is a glorious beacon of lighthogrider is a glorious beacon of lighthogrider is a glorious beacon of lighthogrider is a glorious beacon of lighthogrider is a glorious beacon of light
390 likes received
398 likes given

Users Flag! Originally from england. Users Flag! Expat in philippines.
Default

Did you receive a reply Mike?

Reply With Quote Quick reply to this message
  #5 (permalink)  
Old 11th December 2017, 11:54 PM
New Member
 
Join Date: Aug 2017
Location: Quezon City
Posts: 31
Rep Power: 57
micass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the rough
20 likes received
34 likes given

Users Flag! Originally from england. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by Gary D View Post
No never fly, much too sensible.

Reply With Quote Quick reply to this message
  #6 (permalink)  
Old 12th December 2017, 12:10 AM
New Member
 
Join Date: Aug 2017
Location: Quezon City
Posts: 31
Rep Power: 57
micass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the rough
20 likes received
34 likes given

Users Flag! Originally from england. Users Flag! Expat in philippines.
Default

"We sent the forms back by LBC."

Thanks expatuk2016, what is LBC?

When I got the form in Cambodia (via email), I had same problem but resolved it by going to a law office and having it "notarised" costing me $50. Then it cost me $35 sending via courier. Therefore I am interested in what LBC is and if much cheaper.

I am much luckier here because in the family are many "professionals of good standing" who can sign it for me

Cheers
Mike

Reply With Quote Quick reply to this message
  #7 (permalink)  
Old 12th December 2017, 12:14 AM
New Member
 
Join Date: Aug 2017
Location: Quezon City
Posts: 31
Rep Power: 57
micass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the roughmicass is a jewel in the rough
20 likes received
34 likes given

Users Flag! Originally from england. Users Flag! Expat in philippines.
Default

Quote:
Originally Posted by hogrider View Post
Did you receive a reply Mike?
Hi Hogrider

I am still waiting but as they say they will reply within 10 working days I will not hold my breath. You can be sure I will share their response here for everyone's benefit.

Cheers
Mike

Reply With Quote Quick reply to this message
  #8 (permalink)  
Old 12th December 2017, 09:34 AM
Member
 
Join Date: Mar 2016
Location: Los banos
Posts: 164
Rep Power: 89
expatuk2016 has a spectacular aura aboutexpatuk2016 has a spectacular aura aboutexpatuk2016 has a spectacular aura about
215 likes received
5 likes given

Users Flag! Originally from uk. Users Flag! Expat in philippines.
Default

LBC is one of the Philippines largest freight forwarding companies who also do mail.
Prices are aound the same as you paid in Cambodia, we use them always for documents and parcel delivery.
Ps i advise you to if poss to only use one family member as they do check up !
micass likes this.

Reply With Quote Quick reply to this message
Reply


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Location
Where you live
Expat From Country
Please select the country you originate from. This will appear as a flag when you make posts on the site.
Expat To Country
Please select the country you have either moved to or want to relocate to. This will be presented on the site when you make posts.

Log-in


Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Transfer of UK State Pension to the French State Pension Steve Foley France Expat Forum for Expats Living in France 7 26th November 2017 12:06 PM
New UK Pension freedoms - Problems accessing your Pension Pot if your an Expat Williams2 La Tasca 4 2nd September 2016 10:22 PM
uk pension help Trubrit Spain Expat Forum for Expats Living in Spain 3 12th November 2015 05:49 PM
Pension: Can you take your private pension when you return to Canada? calvin.diebel Britain Expat Forum for Expats Living in the UK 2 23rd October 2015 09:20 PM
Transfer of pension fund to UK pension 44ritz France Expat Forum for Expats Living in France 2 15th April 2011 02:52 PM

FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 05:10 PM.


Powered by vBulletin®
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2020 DragonByte Technologies Ltd.