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Everyone who has worked in the UK for 10 years is entitled to a basic State Pension after reaching retirement age, irrespective of which country he or she lives in. In some cases, even with fewer than 10 years' contributions, it is still possible to obtain a British pension. If you have unpaid or incomplete years of pension contributions in the past, it is worth taking advantage of the possibility of paying additional contributions, up to 10 years back, and even - in some cases, as far back as April 2006. The deadline to go further back than 10 years is 5th April 2025 - don't miss out if this applies to you. For more information, please contact: Margaret 07950 224334

For many consumer to business transactions purchased online or at a distance, a 14 day cooling off period applies. For example, if you change an energy supplier, buy some insurance, you can usually change your mind within 14 days. Cancellation can be free or a the cost of services already used. With a business-to-business or B2B transaction, this does not apply, unless specified in the contract. Cancellation can be expensive, so beware.