Thread: frozen pensions

Originally Posted by al007

all understood. i wonder, are u retired, not with a tax bill of 7k a year, thats more than a pensioner gets.

Some observations

Yes I am fully retired and have been for 22plus Yrs

I receive a UK govt pension around £190 per week being The OAP, a SERPS element and some Graduated Pension

I also have a private pension and investment income, and if I were living in the UK all the above would be taxable

I am believe we are to some extent discriminated against, but then men and women get pensions at different ages and in different amounts

Australians suffer means testing and if their overall income is above a certain level they get zero pension

We have to stay positive and be happy for what we have, and also remember if you were a Thai your pension after 70 would be 500bhatt per month[/quote]
i'm sorry to pull u on this, but just how in the world would u be / could u be paying 7k pds tax.

with ur other coments, i conclude ur a senile old bastard.

Originally Posted by Pragmatic

Originally Posted by lob

maybe, 2.5% per annum compounded for x yrs adds up very well...

Money has never a driving point in my life. Plus, that 2.5% is gonna be taxed and so why bother? Give with one hand. Take with the other.

again prag, voting aint about u prag, ,,, there is principle involved, the uk gov is depriving expats in certain countries of there own pension monies. oap's are not benefits, its your money.

on a parr, if your private pension provider pulled the same stunt next year, one it would be unbelievable, two, it seems they could get away with it, with gov backing.

Originally Posted by al007

Originally Posted by Pragmatic

Originally Posted by lob

maybe, 2.5% per annum compounded for x yrs adds up very well...

Money has never a driving point in my life. Plus, that 2.5% is gonna be taxed and so why bother? Give with one hand. Take with the other.

You do well sir

And it is all relative to what we have or do not have

I try also not to allow money to be a driving force, but do sometimes worry am I financially secure enough ( I think about this too often)

My big worry is medical

But the overall Thailand is very reasonably priced to live

so u quite obviously dont, and never have had an anual taxation of 7k pds.

Originally Posted by lob

voting aint about u prag, ,,, there is principle involved,

You are correct Lom but with me I'm happy with my lot, as it stands. If I don't get my full wack when it's due, as of 30 September, then I ain't gonna cry. It'll be money I never had before and so whatever I get it will be a bonus.
There's more to worry about in life than money.

Originally Posted by lob

Originally Posted by al007

Originally Posted by Pragmatic

Originally Posted by lob

maybe, 2.5% per annum compounded for x yrs adds up very well...

Money has never a driving point in my life. Plus, that 2.5% is gonna be taxed and so why bother? Give with one hand. Take with the other.

You do well sir

And it is all relative to what we have or do not have

I try also not to allow money to be a driving force, but do sometimes worry am I financially secure enough ( I think about this too often)

My big worry is medical

But the overall Thailand is very reasonably priced to live

so u quite obviously dont, and never have had an anual taxation of 7k pds.

Today with careful planning I am legally able to avoid paying any tax to the Uk , in years gone bye and a long time ago I paid taxes of way in excess of £K50 per annum

I am still of the opinion the money paid in by way of national insurance contribution was never specifically allocated to an individual pot

Even in the private sector some schemes with defined benefits are changing the rules to remove some or all of the inflation linking of benefits

My real message is be happy for what you get and not be upset about what you do not and can not get

Stay happy and hopefully that will help you stay healthier and not become a bitter and twisted old man

And of course I do believe in lobbying parliament to try and get change


However be careful they could grant the increase and take away the personal allowance for those not living in the UK and then you would be very seriously worse off

Originally Posted by Pragmatic

Originally Posted by lob

voting aint about u prag, ,,, there is principle involved,

You are correct Lom but with me I'm happy with my lot, as it stands. If I don't get my full wack when it's due, as of 30 September, then I ain't gonna cry. It'll be money I never had before and so whatever I get it will be a bonus.
There's more to worry about in life than money.

I like and need positive people with humor as well and as the gentleman says above whatever he gets will be a bonus

When I was in my thirties 40 plus years ago we used to joke and say when we get the government pension it will probably only but a pint of beer, well it does a great deal more than that

WE also had a life to supplement that pension, and if we did not then maybe look in the mirror and see who really is responsible for the mess

Some observations, Thailand tends to attract from both the Uk and USA, many people with only just survival money or above, naturally these people are on average overly negative

I am here in Thailand because of my wife and the low overall cost of living, I hope I have enough financial resources to run the course

In the Uk where I come from many of these complaining expats should in reality be; living there with the government to prop them up, and not running around Thailand constantly complaining

I came from that other forum recently again stuffed with negative people and hitlers as moderators, with no real freedom of opinion or speech

TD can be improved substantially if we can do our best to remain positive and happy, and could in time overtake the other one

Be happy my friends life is difficult but also just look at it as another challenge

so u quite obviously dont, and never have had an anual taxation of 7k pds.[/quote]


Today with careful planning I am legally able to avoid paying any tax to the Uk , in years gone bye and a long time ago I paid taxes of way in excess of £K50 per annum

I am still of the opinion the money paid in by way of national insurance contribution was never specifically allocated to an individual pot

Even in the private sector some schemes with defined benefits are changing the rules to remove some or all of the inflation linking of benefits

My real message is be happy for what you get and not be upset about what you do not and can not get

Stay happy and hopefully that will help you stay healthier and not become a bitter and twisted old man

And of course I do believe in lobbying parliament to try and get change


However be careful they could grant the increase and take away the personal allowance for those not living in the UK and then you would be very seriously worse off[/quote]
ah, so lobbying parliament is part of belonging, great, we're on the same page.

i would hazard a guess, that they would never alter the personal allowance for some tax payers. to do so would be a nightmare.

Originally Posted by al007

I came from that other forum recently again stuffed with negative people and hitlers as moderators, with no real freedom of opinion or speech

I'm currently suspended from tuther side due to my outburst over mods ruining threads by their actions. I only go on there to run down certain fcuking know it all wankers. Puchoey (spelling) a classic wanker.

al007, are we on/in the same thread, why are u on about td members incomes when , just to enlighten u, the thread is about uk expats world wide lobbying there gov ref the money they steel from said expats every month. when, if u vote, it should be to the benefit of the electorate its not a system to get what u can from ur vote,,,, i'm well aware thats the case with poss 100% of the electorate,,, hence there is no such thing as democracy, or why it doesn't work.

nothing to do with td, its members, or if they should be in los's fucking idiot.

'I'm currently suspended from tuther side due to my outburst over mods ruining threads by their action"

They write their constitution and rules in a way any bad dictator would be proud of


I still get albeit sometime late Private Eye a magazine i believe has a very useful purpose

I am very happy to obey the laws and rules of Thailand, even though I might not agree with them

But that other forum is in its present format unacceptable, well thats a personal statement

Are the Mods on TV still all ageing, American homosexual rice queens and frustrated, unappealing and inelegant women wrestling with unpredictable menstrual cycles and early menopause?

I seldom venture there now.

Originally Posted by Seekingasylum

Are the Mods on TV still all ageing, American homosexual rice queens and frustrated, unappealing and inelegant women wrestling with unpredictable menstrual cycles and early menopause?

I seldom venture there now.

Sadly there were many good members, who have lost their ability to stand up for what is right

We could ask you question on TV but we know the result Z A P Z A P constantly several moderators sit there hand raised ready to hit the ZAP button and ring the bell

I personally believe your statement may well be correct or got even worse, the moderators are destroying it, some even say they get paid without any tax, might be either correct or incorrect, I do not know

All very sad it had many good things going for it and is likely in due course to die

Originally Posted by Seekingasylum

I seldom venture there now.

How would you like to have my nic and password?

might i be so bold as to ask,,, has any one stalked their mp

Originally Posted by Seekingasylum

That little ache you have every time you dribble after you piss is actually prostate cancer.

My ladyboy girlfriend (see avatar) tells me my prostate is functioning normally thanks.

Yesterday I received my official notice of payment for my 'State Pension'. It confirms the verbal notification I received last week.

I expected the written notification to give a full break down as to how they arrive at their decision on how much to pay you IE (example) 26 years full years, 8 years opting out years and taxes to be paid. But it didn't. It just gave a plain £126.93 to be paid weekly. There is no breakdown as to how they arrive at that figure. They then go on to tell you "What to do if you think this decision is wrong".

How the fcuk am I gonna know if it's wrong if I get no breakdown as to how they came to their decision? And do I have to declare the pension payment to the IR?

Originally Posted by chassamui

your Service pension is abated when you start receiving state pension,

Are you sure?

Originally Posted by chassamui

Enjoy your new beer tokens and your official retirement.

I've another month to go and then it's paid a month in arrears.

Also the confirmation letter does not state a date as to when your first payment will be made. But does state it will be paid every 4 weeks.

Originally Posted by Pragmatic

Yesterday I received my official notice of payment for my 'State Pension'. It confirms the verbal notification I received last week.

I expected the written notification to give a full break down as to how they arrive at their decision on how much to pay you IE (example) 26 years full years, 8 years opting out years and taxes to be paid. But it didn't. It just gave a plain £126.93 to be paid weekly. There is no breakdown as to how they arrive at that figure. They then go on to tell you "What to do if you think this decision is wrong".

How the fcuk am I gonna know if it's wrong if I get no breakdown as to how they came to their decision? And do I have to declare the pension payment to the IR?

Ask for a breakdown and calculation of their figures; afaik there's no time limit. Also afaiknew they send their calcs when confirming your eligibility to a state pension and before the first payment.

Originally Posted by jabir

Also afaiknew they send their calcs when confirming your eligibility to a state pension and before the first payment.

That is what they've just sent me, a confirmation of entitlement and the amount to be paid. But no date as to the first payment due.

Originally Posted by jabir

afaik there's no time limit.

If you think the decision is wrong , please get in touch with us by telephone or in writing within one month of date of this letter.

The letter is dated 28 July. I received it yesterday.

If you do not contact us within one month of the date of this letter we may only be able to change the decision from the date you contact us.

Sorry Prag. Been busy.
I wouldn't worry too much about the abatement issue. It's done to ensure everyone gets the Guaranteed minimum pension, and no more or less. I will lose a few quid when my sate pension is paid because I receive a full 22 year pension as a WO. I think your service was much shorter? About 8 years, so it probably won't affect you at all.
Do you not get a P60 annual pension and tax statement from Equiniti Paymaster? Usually sent out on May/June time.

Originally Posted by chassamui

Do you not get a P60 annual pension and tax statement from Equiniti Paymaster?

Yeah I do. I suppose I now have to wait til next year to see if my State Pension makes any difference.

Of course it will, you will pay an extra £1000 tax on your income.