HM Revenue & Customs can answer questions on whether or not a person has opted out of SERPS (State Earnings Related Pension Scheme). Its helpline number is 0845 915 0150. The agency needs an associated national insurance number to access information. HM Revenue & Customs can also be contacted at: HMRC National Insurance contributions and Employer Office, Services to Pensions Industry (Personal Pensions), Benton Park View, Newcastle-upon-Tyne, NE98 1ZZ.Continue Reading
SERPS was a state-run, earnings-based pension plan in the United Kingdom; those who work more hours or have a higher income pay in more than those who don't and receive a larger pension at retirement. An individual can contract or opt out into a personal or stakeholder's pension. Once he has done so, he can receive a rebate or pay a reduced fee on National Insurance contributions. SERPS is now an obsolete plan, replaced in 1992 by the State Second Pension plan. Individuals who are self-employed or whose companies maintain a private pension plan do not qualify.
The Financial Services Authority can provide further information on opting out in addition to an opting-out fact sheet. Also, the independent financial adviser or security company that initially sold the plan to the individual should be able to provide further information.Learn more about Banks
No one person or organization runs Pioneer Federal Credit Union, according to the organization's website. The Idaho credit union is a nonprofit financial cooperative, and each person who opens an account becomes an owner of the entity coequally with other account holders. Curt Perry is Pioneer's president and CEO.Full Answer >
Information in a bank letter of guarantee includes the official name of the company or person for whom the bank is stating guarantee, as stated by Myron Bowling Auctioneers. If a check is involved, the name on the check should match that on the letter. It should also have the account number of the drawer.Full Answer >
Since certificate of deposit rates depend on location, a person must use BealBank.com to find the rates in a certain area. A person can do this by entering a ZIP code, then viewing local rates.Full Answer >
It is legal for a person to cash someone else's check if the check owner signs the check over to that person, reports About.com. However, it is illegal to cash someone else's check by signing another person's name. This is the crime of forgery, which is potentially punishable by fines and jail time.Full Answer >