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Have they said why there is a shortfall please?
They have sent me a letter stating.
In reviewing your case I can see that we should not have provided the value of £6833/annum in our letter march 2013. An additional amount of State Earnings Related (SERPS) replacement pension was included in this amount when it should not have been.
So it was as mistake?
Their mistake yes
I think its bad news then
If it was a mistake rather than negligence I think you have to accept it as that
But you should take the following steps:
1) Complain in writing (not email) and say you had a legitimate expectation that the figure was correct
2) If you are not happy with their response then you can complain to the Ombudsman
They are a free service and independent. Their website is: www.financial-ombudsman.org.uk
3) If you are not happy then you could take it to Court
But sadly that would be a cost and if the Ombudsman was against you then it would be uphill
The options 1) and 2) are free so you should consider that
I realise this may not be the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
Does this mean that their estimate in March is not a Legal Document
If you did not accept it then yes
In any event they say it was a mistake
A mistake can be corrected.
But you should take steps 1) and 2) and say you had a legitimate expectation
There may be a compromise
o.k thank you
Can I clarify anything else for you/
no thank you
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