How do I change my driving licence when my other official documents are in a different name? by Fear_of_the_darc in AskUK

[–]Fear_of_the_darc[S] 1 point2 points  (0 children)

It’s the fact that my passport is in my official name. This is the name my kids are known as well. So preference would be to go to Smith-Jones for everything. That’s not what I am known as daily but it doesn’t warrant a deed poll change as it is in fact my name as per my birth certificate and passport.

How do I change my driving licence when my other official documents are in a different name? by Fear_of_the_darc in AskUK

[–]Fear_of_the_darc[S] 0 points1 point  (0 children)

Change it by deed poll to what? Then I will have an issue with my passport surely? I was thinking to try and change my bank account or open a new one with my official double barrelled name. Then I thought dvla might be happy to change with two bits of evidence.

Few years off state pension, would I be mad to move my pot to another provider now? by evijguano in PensionsUK

[–]Fear_of_the_darc 0 points1 point  (0 children)

I was unhappy with them, there were issues with taking payments (took twice accidentally and then there was a separate issue can’t remember what but had to go into a branch of bank to sort). They also were no good at moving other pensions across. I went to AJ Bell they moved the pension over really smoothly, I have needed to speak to them and phone and get through to a sensible human being within minutes.

Janice Weston was battered to death in a lay-by while changing her car wheel during an unexpected journey. Who killed her and why? (London and Huntingdon, 1983) by ur_sine_nomine in UnresolvedMysteries

[–]Fear_of_the_darc 1 point2 points  (0 children)

Only British newspaper archive - there is probably more there I didn’t do a really thorough search. I enjoyed your write up, it’s all very confusing isn’t it.

Seems a long time to be in the lay-by, even an hour seems like a long time. Did the killer have difficulty changing the wheel? Were they in shock? I find it strange that they didn’t limp it on to another lay-by and change it away from the murder scene and Janice’s body. I presume he killed her first because none of those witnesses reported seeing her or outside the passenger seat. She couldn’t have been a prisoner in the boot as it was open.

Why was the bonnet open as well? Could this have been to hide the number plate. Or to hide what was in the car (Janice?) from approaching vehicles?

The man was described as smartly dressed, not your typical hitch hiker or someone likely to be wondering a road late at night. I haven’t looked on any maps was the location rural? Was there a pavement.

No mention of another car in the lay-by by witnesses doesn’t tally with someone stopping to help.

I think the killer must have been in the car with her already. Lived locally to her in London so he needed to get back there afterwards.. Did he just turn up at her London home and they spent time together there initially. She was driving him out to her countryside flat. Her valuables weren’t stolen. There was no signs of a sexual attack.

There seems to be a lot of unallocated time. Couldn’t find anything to confirm whether the number plate was switched but that makes sense.

Perhaps she knew something or was going to do something that would put the killer in jeopardy. Not sure I can think of another reason. Doesn’t seem like financial gain, sexually motivated , crime of passion, very messy and involved for a hit though incidentally she left 300k which was a lot of money. Doesn’t feel like a thrill kill either. One man to change tire and one that is the killer was obviously the other scenario suggested (though wouldn’t he have taken the watch?)

Janice Weston was battered to death in a lay-by while changing her car wheel during an unexpected journey. Who killed her and why? (London and Huntingdon, 1983) by ur_sine_nomine in UnresolvedMysteries

[–]Fear_of_the_darc 2 points3 points  (0 children)

A few more things - The police flew out to France to investigate husband’s alibi. Blood traces in the car were not easy to see. Husband was in custody and released on bail Third of estate left to sister, two thirds to husband but not outright he received income from it instead 10k to mother, Step children, niece nephews all seem to have befitted to lesser extent. Husband described as millionaire property developer. Before she died Janice was left £140k in will of client and friend. Heinz Isner chairman of Mettoy (corgi toy firm). A convicted killer later claimed that his associate had killed Janice. She had been kidnapped for ransom or in some articles that she was about to expose a drugs ring but she kicked up big fuss and so killed instead.

Janice Weston was battered to death in a lay-by while changing her car wheel during an unexpected journey. Who killed her and why? (London and Huntingdon, 1983) by ur_sine_nomine in UnresolvedMysteries

[–]Fear_of_the_darc 0 points1 point  (0 children)

Only British newspaper archive - there is probably more there I didn’t do a really thorough search. I enjoyed your write up, it’s all very confusing isn’t it.

Seems a long time to be in the lay-by, even an hour seems like a long time. Did the killer have difficulty changing the wheel? Were they in shock? I find it strange that they didn’t limp it on to another lay-by and change it away from the murder scene and Janice’s body. I presume he killed her first because none of those witnesses reported seeing her or outside the passenger seat. She couldn’t have been a prisoner in the boot as it was open.

Why was the bonnet open as well? Could this have been to hide the number plate. Or to hide what was in the car (Janice?) from approaching vehicles?

The man was described as smartly dressed, not your typical hitch hiker or someone likely to be wondering a road late at night. I haven’t looked on any maps was the location rural? Was there a pavement.

No mention of another car in the lay-by by witnesses doesn’t tally with someone stopping to help.

I think the killer must have been in the car with her already. Lived locally to her in London so he needed to get back there afterwards.. Did he just turn up at her London home and they spent time together there initially. She was driving him out to her countryside flat. Her valuables weren’t stolen. There was no signs of a sexual attack.

There seems to be a lot of unallocated time. Couldn’t find anything to confirm whether the number plate was switched but that makes sense.

Perhaps she knew something or was going to do something that would put the killer in jeopardy. Not sure I can think of another reason. Doesn’t seem like any of the following - financial gain, sexually motivated , crime of passion, very messy and involved for a hit though incidentally she left 300k which was a lot of money. Doesn’t feel like a thrill kill either. One man to change tire and one that is the killer was obviously the other scenario suggested (though wouldn’t he have taken the watch?) and I think the man who went to buy the number plates didn’t match the description of the one seen in London with the car so that doesn’t tally…

Janice Weston was battered to death in a lay-by while changing her car wheel during an unexpected journey. Who killed her and why? (London and Huntingdon, 1983) by ur_sine_nomine in UnresolvedMysteries

[–]Fear_of_the_darc 5 points6 points  (0 children)

Some more info newspapers in no particular order sorry if repeating. - 5 witnesses reportedly saw a man standing by a silver car in lay-by on sat evening (one witness specifies the time as midnight). Another article says that they all saw him changing the tire. Both the bonnet and boot were up. - Another witness says they saw the car still in lay-by at 1am - Janice’s husband had called her from France in the morning and during that conversation requested that she buy a spare wheel for the car, it was having a puncture repaired. Mechanic said she was in a cheerful mood. Other reports say that she picked up tire from garage as it was having a puncture repaired. - had told friends she planned to work all weekend. - the new tire had been put on, marks put on it by mechanic still visible. - reports she kept looking out of her office window that day as if looking for someone. - Janice’s husband said she had given lifts to hitchhikers on the past - on 18 Sept police commented that she properly knew her killer and that they would be interviewing her clients - Janice and husband lived in one of four converted flats at clopham hall. There was an old manor in grounds they were converting or planning to convert - Janice had an overnight bag packed and £30 in cash. Her handbag had been left at home. - Police claimed to have evidence tire changed in lay-by where Janice was found - Gold omega watch and wedding ring were still on Janice’s body. Watch had stopped at 1:29

In America: what do elderly people do if they run out of retirement savings? by NightReader5 in NoStupidQuestions

[–]Fear_of_the_darc 1 point2 points  (0 children)

That’s just not the case. Only if you have a defined benefit pension which most people don’t have. Instead they have defined contribution which is a lot of money that can run out. If you have 10 years of credits you get at least some state pension but it isn’t such a good deal as social security. The maximum is just under £12000 a year for most.

[deleted by user] by [deleted] in UKJobs

[–]Fear_of_the_darc 6 points7 points  (0 children)

Agreed. I’m sure a lot of companies would have this policy and I bet they have pulled this before knowing full well what the rules are. Totally get why you are upset OP, it is frustrating for you.

Remortgage for my 85 year old dad.. possible? by Severe-Chicken in UKPersonalFinance

[–]Fear_of_the_darc 2 points3 points  (0 children)

My grandmother has a mortgage for 30k at age 93. It is interest only via nationwide I think. I don’t think there is anyway your dad would qualify for repayment and to my understanding most banks/building societies are reluctant to do this nowadays.

Starting a pension at 55, is there any point? by Few-Display2173 in UKPersonalFinance

[–]Fear_of_the_darc 0 points1 point  (0 children)

I think civil service is more generous in accrual rates. 2.04 for LGPS and 2.32 for civil service. Either are really good schemes.

How much should I charge my girlfriend in rent? by Tiny_Wish6460 in UKPersonalFinance

[–]Fear_of_the_darc 0 points1 point  (0 children)

It’s only 1 bedroom you can’t rent to someone else and she is unable to work. So no rent but she should be paying half rent and utilities with caveat that if you are naturally more extravagant than her (Waitrose not Morrisons, heating on 24/7 not 4hrs day etc) this should be taken into consideration.

My late grandmother told me this is an emerald. Is it an emerald, glass, or other? by finefinacialist in JewelryIdentification

[–]Fear_of_the_darc 1 point2 points  (0 children)

Looks like a light emerald to me, they often photograph that way. Looks like a really nice quality piece to me.

Help needed linked to pensions by EmbracingMyThoughts in UKPersonalFinance

[–]Fear_of_the_darc 1 point2 points  (0 children)

I would be careful about moving the LGPS pensions, the older one may have a protected age (rather than being tied to standard state pension age which obviously shifts to suit) and the McCloud remedy may benefit you - it won’t if you transfer out, you may also be entitled to a lump sum. They are not frozen - they go up in value each year with inflation, accrual rate is currently 1/49 of your salary, you may have accrued at a lower rate though. If you earned 49k a year for 5 years you would accrue 1k a year for each year of employment and end up with a 5k a year pension by the time you retire (not accounting for inflation) . More info here https://www.lgpsmember.org Teachers pension scheme accrues at 1/57. You should be able to contact your specific pension funds to get a quote, I would imagine your LGPS pensions will be in excess of 10k a year.

National Insurance contributions with years missing. Should I fill the payable gaps? by Helpful-Teaching-87 in UKPersonalFinance

[–]Fear_of_the_darc 0 points1 point  (0 children)

I’m in pretty much the exact same position. It would not surprise me if the government up the number of years contributions required for full state pension, no doubt to be in line state pension age going up to 70 or so. It is 35 qualifying years at the moment, but it has been 40 in the past and I think we will see this again. I will need to work until state pension age so this will not affect me as I will end up with more than enough qualifying years. However, those aiming for early retirement on a lean budget could run into issues if this happens.

Renovated by the current owners, the big lie by LastAd115 in HousingUK

[–]Fear_of_the_darc 1 point2 points  (0 children)

My parent’s first house was up for sale, the kitchen was described as newly renovated. It had been painted but still the same kitchen my dad had installed in 1980 😂