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Old August 2nd 20, 12:14 PM posted to uk.d-i-y
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Default NO more free TV licence from today



"T i m" wrote in message
...
On 1 Aug 2020 23:44:33 GMT, Bob Eager wrote:

On Sat, 01 Aug 2020 22:16:10 +0100, T i m wrote:

On Sat, 1 Aug 2020 18:03:26 +0100, Andrew
wrote:

Anyone had the letter from TV LIcensing yet ?.

BBC Moneybox says they will send out letters, so any emails,
texts or phone calls will be from scammers. Some folks will fall for a
scammer though.

But there are still free licences aren't there, over 75 and on pension
credits, 1.5M of them?


Of course, there may be unexpected consequences. Lots of eligible people,
who haven't doen it until now, deciding to apply for pension credit.


I think the real issue here is giving the licence free to some in the
first place. People were paying and were ok with that (few other
choices, good content, no advertising etc), just as all those who know
if they want to watch Netflix or Amazon Video now they have to pay for
it. The problem arises when you make it free to anyone and then decide
to take that away again.

I think the biggest insult is what I remember being only a tiny
discount to 'viewers' (as that's the primary interface of 'TV'
(compared with radio)) who were registered blind?


OTOH

there shouldn't be any problem with the blind getting by with a B&W TV




  #22   Report Post  
Old August 2nd 20, 12:16 PM posted to uk.d-i-y
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Default NO more free TV licence from today



"Brian Gaff (Sofa)" wrote in message
...
Loads of scammers already onto this one of course. However what will they
do? Take granny to court over unpaid tv licence.


yep

See that going down well.


It already doesn't go down well (in media terms) with the set that they do
prosecute

doesn't stop them doing it



  #23   Report Post  
Old August 2nd 20, 12:27 PM posted to uk.d-i-y
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Default NO more free TV licence from today

On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote:

I'm 63, not working (never claimed anything in my life) but too young
to retire, according to the current system ... but I think I have two
small private pensions that matured when I was 60.


You don't know? What are you living on now if not working or claiming
benefits? The interest on a couple of million in savings accounts?

I believe I also have a couple more private pensions that are due to
mature when I'm 65 and I think I did look into putting them all into
one, but 1) not sure if that was a good idea and 2) I think that you
might only be able to combing so many and didn't know which I should
do if there were limits (or take the cash etc).


You need to find a independant financial advisor perhaps with a bit
of specialisum in pensions. The rules have changed an awful lot
recently, with far more options than there ever used to be. You don't
have to buy an anuity (thus losing access to the capital and any
gains it makes invested), you can take up to 25% tax free lump sum
but you don't have to do that in one go and/or you can draw down on
the capital and/or leave it...

--
Cheers
Dave.



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Old August 2nd 20, 12:41 PM posted to uk.d-i-y
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Default NO more free TV licence from today

On Sun, 2 Aug 2020 11:41:14 +0100, Farmer Giles wrote:

The first eligibilty requirement for pension credit is to be over

the
state pension age. Which is some what variable dependant on your

sex
and date of birth as they gradually push it up to 68. With plans

to
push it even higher.


If that's the case, it's changed fairly recently then. It was certainly
over sixty a few years back because I claimed it for someone who was
that age.


Presumably a woman. State pension age for men has been 65 for a very
long time. They shifted women from 60 to 65 between 2010 and 2018.

--
Cheers
Dave.



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Old August 2nd 20, 12:45 PM posted to uk.d-i-y
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Default NO more free TV licence from today

On 2 Aug 2020 at 12:27:46 BST, ""Dave Liquorice""
wrote:

On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote:

I'm 63, not working (never claimed anything in my life) but too young
to retire, according to the current system ... but I think I have two
small private pensions that matured when I was 60.


You don't know? What are you living on now if not working or claiming
benefits? The interest on a couple of million in savings accounts?

I believe I also have a couple more private pensions that are due to
mature when I'm 65 and I think I did look into putting them all into
one, but 1) not sure if that was a good idea and 2) I think that you
might only be able to combing so many and didn't know which I should
do if there were limits (or take the cash etc).


You need to find a independant financial advisor perhaps with a bit
of specialisum in pensions. The rules have changed an awful lot
recently, with far more options than there ever used to be. You don't
have to buy an anuity (thus losing access to the capital and any
gains it makes invested), you can take up to 25% tax free lump sum
but you don't have to do that in one go and/or you can draw down on
the capital and/or leave it...


If you are/were in a trade union, well worth trying there first - some
excellent specialists in-house.

--
Cheers, Rob




  #26   Report Post  
Old August 2nd 20, 01:06 PM posted to uk.d-i-y
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Default NO more free TV licence from today

On Sun, 2 Aug 2020 12:11:39 +0100, "tim..."
wrote:

snip

I believe I also have a couple more private pensions that are due to
mature when I'm 65 and I think I did look into putting them all into
one, but 1) not sure if that was a good idea and 2) I think that you
might only be able to combing so many and didn't know which I should
do if there were limits (or take the cash etc).


And assuming that you aren't living on fresh air now, presumably have
significant savings.


We have some, no debts plus I'm living with an older woman. ;-)

Whilst PC does not have a savings level that forbids you from claiming, it
does have an "assumed" income from saving which involve an assumption of
"draw-dawn".


None of that.

anyone with an OAP pension and more than about 50K is going to find the
calculation for PC says "no"


And I'm pretty sure it's not that either.

Who are the best people to go to for advice on such things, if there
are such?

Cheers, T i m
  #27   Report Post  
Old August 2nd 20, 01:34 PM posted to uk.d-i-y
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Posts: 180
Default NO more free TV licence from today

On 02/08/2020 12:41, Dave Liquorice wrote:
On Sun, 2 Aug 2020 11:41:14 +0100, Farmer Giles wrote:

The first eligibilty requirement for pension credit is to be over

the
state pension age. Which is some what variable dependant on your

sex
and date of birth as they gradually push it up to 68. With plans

to
push it even higher.


If that's the case, it's changed fairly recently then. It was certainly
over sixty a few years back because I claimed it for someone who was
that age.


Presumably a woman. State pension age for men has been 65 for a very
long time. They shifted women from 60 to 65 between 2010 and 2018.


No, it wasn't a woman. Pension Credit could be claimed by anyone over
sixty who met certain criteria. I accept that it's different now.
  #28   Report Post  
Old August 2nd 20, 01:41 PM posted to uk.d-i-y
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Posts: 2,186
Default NO more free TV licence from today

On 02/08/2020 12:14, tim... wrote:


"T i m" wrote in message
...
On 1 Aug 2020 23:44:33 GMT, Bob Eager wrote:

On Sat, 01 Aug 2020 22:16:10 +0100, T i m wrote:

On Sat, 1 Aug 2020 18:03:26 +0100, Andrew
wrote:

Anyone had the letter from TV LIcensing yet ?.

BBC Moneybox says they will send out letters, so any emails,
texts or phone calls will be from scammers. Some folks will fall for a
scammer though.

But there are still free licences aren't there, over 75 and on pension
credits, 1.5M of them?

Of course, there may be unexpected consequences. Lots of eligible
people,
who haven't doen it until now, deciding to apply for pension credit.


I think the real issue here is giving the licence free to some in the
first place. People were paying and were ok with that (few other
choices, good content, no advertising etc), just as all those who know
if they want to watch Netflix or Amazon Video now they have to pay for
it. The problem arises when you make it free to anyone and then decide
to take that away again.

I think the biggest insult is what I remember being only a tiny
discount to 'viewers' (as that's the primary interface of 'TV'
(compared with radio)) who were registered blind?


OTOH

there shouldn't be any problem with the blind getting by with a B&W TV


Where are they going to get a b/w TV that receives digital TV?

--
Max Demian
  #29   Report Post  
Old August 2nd 20, 01:45 PM posted to uk.d-i-y
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First recorded activity by DIYBanter: Jul 2006
Posts: 10,494
Default NO more free TV licence from today

On Sun, 02 Aug 2020 12:27:46 +0100 (BST), "Dave Liquorice"
wrote:

On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote:

I'm 63, not working (never claimed anything in my life) but too young
to retire, according to the current system ... but I think I have two
small private pensions that matured when I was 60.


You don't know?


Well sort of, but 1) I'm not good with such things and partly 2) they
didn't account to much and 3) I wasn't sure if I could / should do
anything with them (take them as pension payments, take the lump sum,
combine them onto one etc).

What are you living on now if not working or claiming
benefits?


Her pension(s).

The interest on a couple of million in savings accounts?


That would be nice (and if we actually did any of the Lotteries ...).

I believe I also have a couple more private pensions that are due to
mature when I'm 65 and I think I did look into putting them all into
one, but 1) not sure if that was a good idea and 2) I think that you
might only be able to combing so many and didn't know which I should
do if there were limits (or take the cash etc).


You need to find a independant financial advisor perhaps with a bit
of specialisum in pensions. The rules have changed an awful lot
recently, with far more options than there ever used to be. You don't
have to buy an anuity (thus losing access to the capital and any
gains it makes invested), you can take up to 25% tax free lump sum
but you don't have to do that in one go and/or you can draw down on
the capital and/or leave it...


Quite ... loads of options ... (but thanks).

Basically I was holding off till I was 65 when the other pensions
matured and was going to go from there.

Cheers, T i m

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Old August 2nd 20, 01:49 PM posted to uk.d-i-y
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Posts: 10,494
Default NO more free TV licence from today

On Sun, 2 Aug 2020 12:14:50 +0100, "tim..."
wrote:
snip

I think the biggest insult is what I remember being only a tiny
discount to 'viewers' (as that's the primary interface of 'TV'
(compared with radio)) who were registered blind?


OTOH

there shouldn't be any problem with the blind getting by with a B&W TV

Assuming you can get B&W TV's these days? I wonder if you could get a
colour TV 'locked down' making it B&W only in a way that would satisfy
the BBC (if tested)?

Cheers, T i m


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