May 2014 | Issue 78 NARPO THE MAGAZINE OF THE NATIONAL ASSOCIATIONnews OF RETIRED POLICE OFFICERS

NARPO - the voice of retired police officers ‘To safeguard the rights of members and to promote measures for their welfare, with particular regards to pensions’ 2 narponews

NARPOnews - the voice of retired police officers 3 05 07 Message from the President’s inside editor review Front Cover:

Three NARPO members 21 38 travelled to South Africa and A Visit to Worth whilst there volunteered to Eagles Knowing assist in a local education Nest programme. See page 21 for more information. 09 Readers Letters

14 Benefits Update Mailing Information 18 What’s on It is important that you notify NARPO HQ of any changes to your address as soon as possible. Please quote your membership number which is printed above your name on the envelope in which 25 2014 Budget Overview NARPO News is delivered. Tel: 01924 362 166

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NARPOnews - the voice of retired police officers 5 Editor’s message

not simply innuendo. As these events took place The State of Policing close to going to print, I have offered Mr Winsor Whilst Europe is seen by many as a controversial I could not help but notice the publicity that the opportunity of clarifying his comments and area, what is true is that many politicians surrounded the recent release of the HMIC of outlining the evidence to support his claim in a and institutions in and around the European annual report on the state of policing. The future edition of this magazine. Parliamentary process have considerable presentation of the report by Tom Winsor, in concern for older peoples’ issues. We have his role as the Chief Inspector of Constabulary, highlighted a range of issues in the manifesto arrived at a time of much adverse publicity about State Pensions from employment, training and equality issues to policing in the press. In the last edition of NARPO News I mentioned age friendly environments, dignity and inclusion some proposed changes to the state pension in old age. If branches or members wish to The press and politicians appear to be seizing including the proposal that you will be able to get involved in raising the positive image of on any negative aspect of policing either current purchase a weekly increase to the value of your older people in society as well as highlighting or in the past to criticise individuals or the service state pension. The details of this proposal were concerns for those in later life, the European generally. You will all know how damaging this included in the budget statement earlier this year. Elections is an opportunity to do just that. We has been. In the publicity around the report the hope that by continually raising issues affecting press indicated that Mr Winsor made reference From 12 October 2015 to 1 April 2017 you will be those in later life, we may see in time to some of the incidents currently in the public able to make a ‘Class 3A voluntary contribution’ improvements nationally. domain, when presenting his report. to top up your State Pension by up to £25 per week. A copy of the manifesto, together with a I would have to say that the way the press have You must be: shortened version, is available on the NARPO presented some of the allegations surrounding • a man born before 6 April 1951 website at www.narpo.org. Click on ‘Notices’ for current and past events has caused some • a woman born before 6 April 1953 those interested in getting involved. considerable concern not only for current serving officers but also for our members, who have As an example of the rate at which you will be retired from the service. There appears to be asked to pay, at age 65 years an additional Police Federation an assumption of guilt attached by the press £1.00 per week on your state pension will cost Recently the Police Federation has not avoided to each allegation made. This has become £890. The rate of payment varies with age and the turmoil that surrounds policing currently. true even of events that are currently subject to full details can be found at www.gov.uk/state- In challenging times, the leadership of the considerable scrutiny and where the outcomes pension-topup. A link to this site has been added Federation has tried to recognise the current are still some way off. to our site at www.narpo.org – shortcomings of the organisation by asking click on ‘Pensions’. members for their views. An independent panel In addition, the past is in some cases being report has suggested changes to the way judged on present day standards and without the Police Federation operates and this has detailed investigation in the press. Any The Budget been seized on by the press and politicians to suggestion of corruption in the past is then The budget this year contained a number of pressure the organisation into radical change. used in the media to judge those currently announcements which might affect members. It is worth remembering that the current serving. There really can be no justification for For those who have taken up a second career Federation was borne out of Parliamentary this although it is becoming a more regular and are currently paying into a private pension, process, many say in a way that was designed occurrence that politicians join in the criticism of the Government proposes to remove restrictions for it to fail. It is therefore remarkable that the policing based on press speculation. on how you use that money in retirement in Federation has lasted in excess of 90 years particular in respect of requirements to purchase providing significant support for members during I was therefore surprised at some of the annuities. The introduction of a saving scheme that period. Politicians and the press should comments reported about honesty within for those over 65 years old is a positive step perhaps recognise the need for police officers the service. The press reported that HMIC towards encouraging savings at a time of low to have a strong representative body which compared the honesty of officers serving now interest rates. Whilst the capping of benefits understands policing, which is accepted by its with those in the past, stating that the individual costs can be seen as a measure to reduce state members and has the resources to continue to honesty of officers today is better than those spending, the inclusion of some older peoples’ support members, particularly at difficult times. who served 30 years ago. benefits within the cap is a matter of concern. The imposition of change is unlikely to have that effect. For my part, I believe that, as currently, the vast majority of the service 30 years ago was European Elections Best wishes honest and did the job of protecting the public The European Elections are due to take place to the best of their ability. I am sure the public during May 2014. NARPO is affiliated to AGE satisfaction figures from 30 years ago would Platform Europe and we have together produced show that the public believed that to be the case. a manifesto for older people in Europe, which we I have therefore written to Mr Winsor asking him have circulated widely to those challenging for to justify these remarks on the basis of evidence seats in the European Parliament. Clint Elliott - Chief Executive

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NARPOnews - the voice of retired police officers 7 President’s review

Since the last edition of NARPO NEWS also entitled to this card. The advantage All men aged 65+ can benefit from it has been a very busy time for me in over a Senior Railcard is that you may screening for abdominal aortic aneurysms; attending various Branch AGMs around the also claim for a companion travelling with known as AAA as part of a national country which have all been very different you. More details are available at www. screening programme. whilst at the same time very similar as well. disabledpersonsrailcard.co.uk or Our rules require that every Branch must 0845 6050525. An estimated 80,000 men aged between 65 hold such a meeting at which the officers and 74 in England and Wales are affected for the year are to be elected. I wish to by the condition, which is caused when the take this opportunity to thank all those Tax Problems? main blood vessel in the abdomen – the members around the country who freely NARPO is pleased to announce that we aorta – weakens and starts to expand. volunteer their time to occupy these posts have now arranged with TWD Accountants If undetected, the condition can be fatal and for the enthusiasm that they show in a telephone tax advice line for NARPO and around 6,000 people die each year servicing their members. members to contact with any general from a burst AAA. The NHS AAA screening personal tax queries they have. You can programme aims to reduce deaths of The strength of NARPO is in its very local contact TWD on 0161 358 1210 with men aged 65 and over, by up to 50%, nature and if any of you reading this, any personal income tax query. Advice by detecting AAA’s early and offering particularly from amongst the recently is limited to aspects of UK Personal Tax appropriate monitoring or treatment. Men retired members, should want to become ONLY. Questions of a tax planning nature who have AAA will not normally notice any involved I encourage you to approach your cannot be answered. All advice given is of symptoms, which is why screening Branch Secretary and let them know. a general nature only and should not be is important. relied upon before making (or refraining I, together with Steve Edwards (DepCEO), from making) any decision or taking any The test is simple non-invasive and usually recently attended the funeral of Audrey action. Further details of the service feature takes less than 10 minutes. Jones, the wife of former President Idwal later in the magazine. For further information go to: http://aaa. Jones in Blackpool. Idwal has sent a letter screening.nhs.uk/ to thank all those who sent cards and messages of condolence to him, which I WW1 Centenary I noted the recent resignation of Steve This year sees the Centenary of that am pleased to pass on to you now. Williams from his role as Chairman of significant event in history which was the the Police Federation in which he stated commencement of the First World War that he had felt vilified by some within on 28 July 1914, and I am aware of some NARPO Villas his organisation for having instigated interesting pieces of research that are Steve and I have also held a meeting with the Normington review. It was a tough being conducted in a number of Branches Lord Wolf at which we were delighted decision to have made and sad that he as regards the involvement of former to be able to negotiate an agreement in should leave in these circumstances. principle for us to have the use of the villas police officers. in Holland and Italy for a further five years I also note that Ian Rennie the General If you would like to share that work please subject to an annual review. The villas are Secretary of the Police Federation has do consider sending an article for inclusion offered free of charge to members. Full announced his retirement after the in the next edition. It was said to be details of the villas and how to book can be Federation conference and I would like to have been “The war to end all wars”, found on the website NARPO VILLAS page. wish them all the best for their futures and how sad that was not to prove to be the hopefully we will be welcoming them both case. I am looking forward to my visit to into NARPO in the not too distant future. Disabled the battlefields in June, which I am sure will be a very humbling and memorable Persons Railcard experience. If you are in receipt of a disability related Best wishes benefit or suffer from epilepsy you are entitled to apply for a Disabled Persons Simple Check Can Help Railcard which currently costs £20 for one year or £54 for three years. I recently Save Men Over 65 read an article in the NFOP magazine I am grateful to one of our members for which pointed out that if you are registered bringing this important matter to Ian Potter - President as deaf or wear a hearing aid or are my attention. registered as visually impaired you are

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NARPOnews - the voice of retired police officers 9 Readers letters

You can post your letters to: Readers Letters. NARPO House, 38 Bond Street, Wak­efield, West Yorkshire WF1 2QP.

info Or by email to [email protected]

“Baddesley Mine, April 1984”. There was a regular procession of police officers going Brief Encounter with a Comedian to the local NUM office to purchase these After reading the letter from Bob Fraser, NARPO News issue 77, of February, I was lamps as a souvenir. reminded of an encounter I had sometime around 1977. I was also a member of The Kent Police At that time I was a Traffic Sergeant in the West Midlands Police, working on the then Band which was formed in 1977. A Central Traffic area, which was in effect the whole of the Birmingham City area. brass band formed by serving police One afternoon I was riding a new BMW patrol motor cycle along Bristol Street, in the officers and set up as a voluntary self- city centre, when I saw a small group of people standing on the nearside pavement funding band. In March 1984 the band and, as I approached, a gentleman waved his arms as if to attract my attention. I was surprised to have won the 4th stopped and immediately recognised him to be Michael Bentine, who was appearing section London and Southern Counties at the nearby Night Out Theatre Restaurant. He introduced himself, although this qualifying contest for the National Brass was clearly not necessary, and struck up a conversation. He then noticed the Band Championships. As the miners’ machine I was riding, a new BMW, and seemed to know a lot about them, pointing dispute continued, members of the out to me that the outline and engine of this model had changed very little from band were working long hours whilst the one he rode in France in the 1940s. I pointed out that there was a war on at still trying to find time for rehearsals and that time in France, and asked him how he came to be riding the motor cycle. He performances. Despite all the challenges replied, “I shot the German dispatch rider who was on it, so I could get back to my the dispute caused, Saturday 6th October base,” which the assembled company found quite funny. He then put on a one man 1984 found the band at the Royal Albert performance for them on the footpath. Hall to compete in the 4th section National Finals. There were 15 other bands, 4 During the sensible part of the conversation with him I got the impression that after of which were colliery bands. We were the war he had been involved with the Police in England, but exactly which force and allocated a dressing room sharing with for what, is a little vague now, but I do remember him saying something about being one of the colliery bands! Despite the a firearms expert and advising on these matters. Maybe there is someone out there ongoing miners’ dispute, our time with the who can shed light on this. colliery band was a good natured affair. I remember one of the jovial comments, Ray Summerfield “Ey up lads, not on picket line today Retired Traffic Sergeant, West Midlands Police featureletter then?” We played our test piece, Second Suite in F by Gustav Holst. We finished quite low down in the competition but give the go ahead for repairs to take place. had tried our best and did not disgrace Praise for Roland Smith All payments were made through BACS ourselves. Boldon Colliery Band won transfer thus negating the need for long Insurance Services the contest. We have recently had need to use the delays and awaiting cheques to clear. services of Roland Smith Insurance 30 years on, I was intrigued to read an In short, I would just like to say that I services on 2 separate occasions and article in “British Bandsman” (March 2014) have never, in my considerable years, have been immensely impressed. entitled “Miners’ Association challenges experienced such a trouble free, personal, Brassed Off Police band”. Durham Miners’ helpful, effective and efficient exchange Once just before and once just after Association objected to a touring theatre with an Insurance provider. Christmas 2013 we suffered some heavy company using Durham Constabulary storm damage to our property. Brass Band (a civilian based band) in a I would recommend Roland Smith without production of Brassed Off at Darlington any reservation whatsoever. My initial telephone call prompted a very Civic Theatre, due to the involvement of the quick and helpful response. I was provided police in the 1984/5 miners’ strike’. Clive Fellingham with clear advice and a claim form was Sussex Retired dispatched at once. Despite feelings still running high over this subject, regardless of whether you were Any further contact was via email to an playing in a band representing miners or individual person and not just a generic police at the contest in 1984, the focus of address. The event after Christmas Miners’ strike, 30 years on that day was to enjoy making music. provided an ‘Out of Office’ response from In April 1984 I was a PC in Kent when I my usual contact but I was delighted to found myself sent to Warwickshire as part Ron Linkins receive a telephone call late on New Year’s of a Kent Police contingent to assist in Retired PC (Kent 1972 - 2002) Eve from another member of the team who policing the miners’ strike. I still have a had picked up my message and rang to miniature brass miner’s lamp inscribed

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Retired!! Firearms Issue Oxford City Police According to our magazine there have Two letters in the February edition of NARPO been articles mentioning retirement; News rang immediate bells with me. Association this, together with a request for ‘chatter’ Mark Williams wrote on the hunt for Harry The first warranted member of Oxford City from members, makes one realise the Roberts, the killer of three Metropolitan Police was Chief Constable Charles Head vital importance of activity in retirement. Officers in 1966 and Frank Watson on 1st January 1869 and the last, warrant Having read the article by Sue Bushell in commented on the haphazard way in number 969, was PC Alan Hepworth on 15th a previous issue it set me thinking about which firearms were issued in that period. March 1968. Just a few days later, at midnight myself and at this time of writing, I wonder A Detective Sergeant in the Newport on 31st March, the Force ceased to exist how I ever found time to go to work Borough Police, I was seconded to No.8 when it was amalgamated with Berkshire, before I retired, let alone after. I retired in (Welsh) Regional Crime Squad in 1965. Buckinghamshire, Oxfordshire and Reading September 1973, somewhere around 40 Borough to form Thames Valley Constabulary. years ago, but, boy! I have packed things During the nationwide hunt for Roberts It was a small Force with about 250 officers into that time. The moral being, “You must information was received from C11 Branch working within a small area and until 2 years do something”. of the Yard that Roberts would be travelling before their demise, all from one police to Newport by train. There he would be station. One of the bonuses of belonging to a Three years before I retired, my daughter met and assisted by a Cardiff criminal with small Force was that officers could purchase qualified as a teacher with a degree in whom he had associated whilst serving their own homes when they wanted to and English Literature and she said to me, “At one of his many prison sentences. not at 22 years as was the custom with your age why don’t you take up teaching?” County Forces. This meant that the majority I know youngsters often do better than The Chief Constable of Newport, Sam of officers lived close to the station and that parents but what a challenge! For my last Smeed, authorised the issue of firearms. sports sections and social events were well three years in the job I went to evening The criterion for carrying a firearm was supported and that everyone knew school to gain the required qualifications previous military service and the weapons each other. for entry to college. (At school I was a issued were from a selection handed in professional layabout.) I gained the under firearms amnesties. Within a short time of amalgamation taking requisite and was accepted. Then started place Oxford City was broken up, with my years of further study and that too was As a National Service Military Policeman I officers moving all over the new Force on the next challenge. I succeeded, and, qualified as did my back up man, Detective promotion or to join a department and their to my daughter’s delight, I too gained Constable John Hutchens of Newport, who replacements transferred in. And that could a degree in English Literature. Then had served in the Royal Marines. have been that until a few years later when, followed getting a job, which was not at yet another funeral, a few got together and difficult. A mature qualified person who My issued weapon was a First World War questioned if these were the only times we was not coming straight from school was Webley and Scott .455 revolver capable of were going to meet. From this was born the acceptable. The next part of the challenge damaging a bull elephant, and 6 rounds Oxford City Police Association and we have was the actual teaching and that was of verdigris-covered ammunition. John’s recently held our 37th AGM. The Association interesting to say the least, but good kids weapon was equally ancient. is open to all officers and support staff who soon became apparent and they were a served until 31st March 1968 and we meet joy to teach and I felt myself going flat out Together with other armed officers we three times a year at the Rover Sports & for them; that was tiring but also part of the took up our positions on Newport Railway Social Club in Roman Way, Cowley, Oxford. challenge and gave me great pleasure to Station without the slightest conception of The meetings for 2014 are 12.30 pm for 1 think my years of wisdom were being put what we would do if Roberts appeared and pm on Wednesday 9th April, Wednesday to use. However! I had succeeded in the we needed to open fire. 6th August and Wednesday 10th December. challenge set by my daughter! Membership is the princely sum of £4 a year It was then I learned that John had never and as well as the meetings three newsletters I have now since made a further retirement fired a handgun in his life. He was a R.M a year are circulated. but my family keep me busy. “Just Gunner and served on battleships where do this for me; it will only take you ten he had been trained to lob 16” shells at So, if you would like to get back in contact minutes” (Usually half a day). And I look distant targets! with old friends and colleagues contact Wally after my daughter’s garden and my own, Cox on 01367 860250 or email me on ocpa@ when it’s not too hot - hot yes, I live in Fortunately Roberts did not appear and btinternet.com Australia, and let’s face it, I am a bit long in was later arrested by two unarmed officers the tooth. who found him hiding in a barn, albeit with Wally Cox a handgun in his possession. TVP Oxfordshire Branch I suppose I could probably write a book but who the hell would read it? If we had been involved in the use of our weapons, not only would innocent Notice: Albert Hover passengers have been at grave risk but Have you any old East Kent Branch my antique weapon would have possibly exploded in my hand and John may well postcards for sale? have shot me in the excitement. Contact Rronald Peter on 01395 265 599. Charles Nunn Gwent and Newport Borough Police NARPOnews - the voice of retired police officers 11 Any comments about the letters or other features in NARPO News? If you have no time to write a letter why not e-mail your views to [email protected]

crisis who will wish to support this initiative Memorial Appeal to erect a memorial to fallen police. Warwickshire The terms EOKA , ENOSIS, General Grivas and Archbishop Makarios will resonate Constabulary We would hope that some would want with many of your readers. They are a to attend the ceremony of dedication on reminder of the problems of Cyprus during Retired Police its opening, which we hope will be on the last years of the British Administration Remembrance Sunday, 9th November Superintendents’ Mess of the island. Indeed, they continued after 2014. It would be great to see serving The forerunner of the Retired Supts Mess the island had achieved independence, officers in uniform and retired officers at was the Warwickshire Police Senior and the continuing problems of that the ceremony. Officers’ Mess which closed following the benighted island loss the Warwickshire HQ dining facilities. remain today. As ever, memorials such as these are Following the Mess closure retired not funded by the government but left to members felt there was a need to continue The emergency first started in the mid the initiative of individuals shamed by the and the Warwickshire Constabulary Retired 1950s against the British Colonial power indifference shown to the sacrifice made Seniors Mess was formed in 1998. by representatives of the Greek Cypriots, by those who have fallen. The estimated who sought independence and unification cost of the memorial is £15,000, which is Like many other forces in the 1960s’ and with mainland Greece. As the emergency a modest sum and is what is required to 70s when various amalgamations took developed it was realised that, in addition complete the memorial build. place Warwickshire became ‘Warwickshire to the increase in the British military & Coventry Police’, and a significant presence on the island, the colonial police The Police Roll of Honour Trust has been part of that force later amalgamated into needed to be augmented in its numbers. asked by the Cyprus Memorial Trust to the West Midlands Police. It was on British Police officers, recruited from take the lead in making a public appeal for this basis that former Birmingham and across the U.K., volunteered to serve monies in the U.K. and to advertise the Coventry senior officers who went onto on attachment to the island to assist the forthcoming day of dedication in Cyprus serve in Warwickshire and Coventry Police colonial police presence. This detachment in November. The Trust has the faith in were entitled to join the Mess. Later was known as the United Kingdom Police serving and retired officers to achieve the membership was extended to any serving Unit to Cyprus ( UKU). Some 1000 officers financial target in the next six months so or retired police officer who had served as served on the island during the period, that the Memorial in Cyprus can be erected Superintendent or above in a UK some for more than one period alongside that of the military. The Police police force. of attachment. Service as a whole has a poor record in demonstrating that fallen officers. The The Mess has now some 60 members During the period eleven officers lost their indifference of British governments of which 60% are former Warwickshire lives while serving on the island, eight of more so. Officers, and there are now retired senior whom died at the hands of the terrorists. officers who served elsewhere in the The others died from accidents or natural We would ask that those wishing to make UK and have since moved to live in the causes. Of these most were buried on a donation make cheques payable to the Midlands. the island and a few were taken home for Police Roll of Honour Trust and mark on burial. The British military suffered much the reverse “Cyprus Appeal”, together The Mess meets three times a year for greater losses. The sacrifice of those in with their address or email details so that a formal Dinner followed by a Speaker, both the military and police remains part we can acknowledge receipt if requested. and it can be safely said that members of forgotten British Colonial history. Those Donations should be sent to Police Roll of have a most enjoyable time, particularly in who died should not be forgotten but Honour Trust, PO Box 99, Hutton, Preston meeting former colleagues and guests of should have their sacrifice recognised on PR4 5WW. members. It is in these circumstances that the island where they fell. members have expressed the wish that Former colleagues and relatives wishing to knowledge off the Mess be made better Over five years ago a small group of retired attend the ceremony should make contact known, as many officers retiring often British military formed a small project team with the Trust for further details through the move from their force area to different with the intention of erecting a memorial P.O. Box shown or by email through parts of the country. To this end if there are on the island dedicated to those who our website. retired officers who now live in or near to had fallen while serving The Crown. The Warwickshire, they will be welcomed into first phase was to erect a memorial to the We would also be grateful to hear from the Mess. military personnel who fell during the crisis. members of the United Kingdom Police This was achieved five years ago. The last Unit, Old Comrades Association or former We currently meet at the Coventry Golf phase is to erect a memorial to all of the British Colonial officers. Club in the most pleasant surroundings police who served on the island, whether and should there be an interest contact British, Turkish or Greek, who lost their Sidney MacKay can be made with the Secretary, lives during the emergency. The police Chairman, Police Roll of Honour Trust Peter Oakley, on 01676 – 535528 or memorial will be erected next to that of [email protected] who can offer the military in the old British Cemetery in further information if so required. Kyrenia in northern (Turkish) Cyprus.

There will be many readers who have served as police on the island during the

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Few would doubt that the Gaddafi Regime Tantoush is well known within Libya and The Death of Yvonne was responsible for a great many killings during later years he became the personal Fletcher (The Search for – not only in Libya, but throughout Europe Sheik of Gaddafi – so on face value it – one of which was the sad and very brutal may appear that Tantoush could indeed Justice) murder of Ali Abuzaid – a great friend of have worthy and accurate intelligence. It I refer to the recent (and previous articles) mine who was murdered in London during is here that I offer caution as I believe that presented by John Murray regarding his November 1995. Tantoush will simply offer information that endeavours in seeking justice relating to ‘the recipient wishes to hear’. the tragic murder of Yvonne Fletcher. So, it can be seen that there are (Further and detailed information relating However, I take this opportunity to offer a many cases which deserve continued to Tantoush can be found on You Tube.) somewhat ‘broader’ picture which may be investigation – and I have no doubt that in of interest to other officers, or readers of time the current Government of Libya will With regard to John Murray’s aim to have this particular case – and to some extent a offer whatever help it can. Saif al-Islam (the son of Gaddafi) tried at defence of the current Libyan Government the ICC in the Hague - that may also be a whose ‘apparent inactivity’ in this matter Nevertheless, I do offer John Murray every little misguided as Saif was born 25th June may seem to be somewhat obstructive or success in his endeavours – but I remain 1972 and would have been twelve years at least unhelpful. unsure just what it is that can be achieved of age at the time of Yvonne’s murder. at the present time (or even within the near In consequence, whatever ‘evidence’ Since the demise of Gaddafi, Libya has future). Pointing the finger – or naming Saif offers will simply be challenged as established a ‘Governing Body’ – or an individual allegedly responsible for the ‘Hearsay Evidence’. ‘Government of the Day’ - comprising death of Yvonne Fletcher - has already some members from the various been done by a senior member (Ashur It is well known that a tremendous amount opposition groups who challenged and Shamis) and spokesman for the NFSL of Libyan Secret and Classified papers threatened Gaddafi throughout (National Front for the Salvation of Libya) was found after the ‘uprising’. However, several decades. – which was one of the largest Opposition when I last enquired (late 2013) the Groups active against Gaddafi. Ashur documentation of these papers was only However, since the formation of The Shamis is based in London and Tripoli indexed to the period of the mid 1970s, Government, the country has been and has presented articles regarding this and there is currently insufficient available besieged by unending and appalling case in the British Press – including the time to dedicate to haveing the remainder problems to the extent that many now name of the alleged killer. He was also in indexed or documented. fear for the welfare of its people. There attendance at the fateful demonstration. To add to the constant confusion – there is are daily killings, kidnappings and now much ‘qualified’ speculation in Tripoli indiscriminate bombings to the extent Nevertheless, no matter how many times about who actually fired the fatal shots that security has almost (in many places) an individual is named, he will simply which killed Yvonne – and the individual become non-existent. The situation is remain a suspect (or one of several) until now mentioned or alleged to be the killer is further exacerbated by the ever increasing he is placed before a Court of Law and not the person currently in Egypt. activities of the Fundamentalist Groups – in found guilty. That due process would addition to the Forces (and mercenaries) require the somewhat complex matter Perhaps the forthcoming interview of still loyal to The Gaddafi Regime. of extradition – which I believe does not Abdullah al-Senussi (Libya’s former currently exist between the UK and Libya. Intelligence Chief) by Scottish Police Consequently, it is perhaps investigating the circumstances of the understandable that the Government A note of caution is offered to John Lockerbie bombing may in time pave is totally preoccupied with its sheer Murray during his travels to Libya – as the way for an interview of al-Senussi demanding day to day existence – and there are many individuals now hopeful regarding the murder of Yvonne Fletcher. has little time (at the moment) to dedicate of redeeming themselves by volunteering to tragic events which occurred years worthy information or intelligence regarding Last month Scotland’s Lord Advocate, previously. these such matters. One individual who Frank Mulholland QC, visited Tripoli to has already come to the notice of the arrange details of the visit (interview) after The Prime Minister, Ali Zeidan - whom I British press for volunteering information Libya removed earlier objections. know personally - is very sympathetic, not (about Yvonne’s murder) is Khaled There remains one individual who, without only to the circumstances surrounding Tantoush. Details can be found in the link: doubt, knows the identity of Yvonne’s killer the murder of Yvonne Fletcher, but also http://www.theguardian.com/world/2012/ and all the circumstances leading up to to those who were murdered in The mar/29/libya-official-yvonne-fletcher-killing. the fateful event – and that is Musa Kusa, Lockerbie Bombing. Furthermore, there I believe that the article will/may be known one of the Gaddafi regime’s most powerful is tremendous pressure upon Ali Zeidan to John Murray – as he is mentioned in the men. However, he remains conveniently to help resolve the recent – and also latter part of the article. ‘well placed and away from prying eyes tragic – murder of The US Ambassador and awkward questions’ (but NOT in to Libya, J Christopher Stevens, during If the article is read in its entirety it will be Libya). For the record, I am strongly of the September 2012 – and of course the RPG noted that Tantoush alleges that he worked opinion that the Metropolitan Police still attack upon the vehicle in which the British for the British Authorities; he further names remains actively investigating the murder Ambassador Sir Dominic Asquith an individual for whom he allegedly worked of Yvonne Fletcher. was travelling. – that individual was me. Tantoush never worked for me or the UK authorities. J Lewis (There is insufficient space to append a London chronology of similar attacks and events.)

NARPOnews - the voice of retired police officers 13

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 14 narponews Benefits update

• The DWP has started to introduce State Benefits alternative 0345 phone numbers for its General • The 2014 budget was presented on • The Chancellor’s proposals to change major helplines – including those for the Wednesday, 19 March, in which the how and when people can withdraw State Pension and Carer’s Allowance. The Chancellor announced further details benefits from defined contribution new 0345 numbers will be cheaper for of a new scheme of Voluntary National (DC) pension schemes represent a many people to use, especially for those Insurance contributions (VNICs) to allow major shake-up of the UK pensions calling from mobile phones. pensioners to top up their Additional State industry. If you’re already in receipt of a Pension. The scheme will be open for 18 pension, the changes won’t affect you However, DWP will continue to offer 0845 months from October 2015 and available – unless you have a DC pot of money numbers as well, because these might still to everyone reaching State Pension age somewhere that you haven’t yet drawn. be cheaper for some callers, particularly before 6 April 2016 (and therefore taking for landline users. They will also introduce State Pension under the existing system). The main change is that from April an 0345 number for the Welsh language To check when you reach State Pension 2015, people with DC pension savings service. age, use the State Pension calculator at won’t have to use their pension pots www.gov.uk/calculate-state-pension. to buy an annuity. Instead, they will be The current freephone 0800 numbers will able to keep their pension pot invested also remain for all major claim lines, including • The Department for Work and Pensions and withdraw money from it as and the State Pension and key benefits. (DWP) is taking steps to speed up the when they want it (or even all in one go, claims process for Personal Independence if that’s what they want). This is called The cost of calling either an 0845 or Payment (PIP), the benefit that replaces ‘drawdown’, and until now this has only 0345 number depends on the terms of Disability Living Allowance (DLA). really been an option for people with an individual’s mobile or landline phone Having found that the claims process is large pension pots (because of current contract. taking longer than expected when the rules on how withdrawals are taxed). new benefit was introduced last year, • The Carer’s Allowance online service has the DWP is looking at ways to improve Under the current tax system, people been improved to allow users to notify the timescales, along with a number of other are taxed 55% if they choose to Carer’s Allowance unit of any changes improvements to the system which include withdraw all of their DC savings at in the circumstances of their claim. This staff training and communication with the point of retirement. Because of additional avenue of contact provides a claimants. At present, some claims for these punitive tax charges, most quick and easy method of communicating PIP are taking up to 26 weeks to process, people instead purchase an annuity changes, and avoids the need to use although the DWP is quick to reassure and receive taxable income over the the telephone lines or contact the Unit in claimants who are eligible for PIP that they course of their retirement. Under the writing. will be paid benefit from the date that they new system, individuals will be able to claimed, rather than the date at which a ‘drawdown’ their DC pension pot and The service was launched in October 2013 decision is made. pay income tax on their withdrawals at and has proved popular; around 40% of their marginal rate. carers are now making their claims online • Measures to increase the responsibility rather than by post or telephone. To use for claimants of Jobseekers Allowance The announcement follows a recent the service, visit www.gov.uk/apply-carers- (JSA) to actively seek work come into study by the Financial Conduct allowance. force this month, with new ‘Conditionality’ Authority (FCA) which found that eight agreements to be included in the terms out of ten people who purchased their • Atos, the company which carries out the that JSA claimants must meet in order to annuity from their existing pension ‘Work Capability Assessment’ (WCA) qualify for benefit. provider could have been better off by which forms an integral part of the claims comparing offers across the annuity process for Employment and Support • From 1 April, jobseekers who have entered market to maximise the value of their Allowance (ESA), has mutually ended the UK from the European Economic Area pension income. the contract agreement it had with the (EEA) are unable to make a new claim DWP before the formal contract end date. for Housing Benefit through their claim The FCA claims that around 60% of Minister for Disabled People, Mike Penning for income-based JSA. (Please note that people stay with their provider, not has confirmed that Atos will not receive any if an EEA national has a right to reside in realising that comparing offers on the compensation from the taxpayer for the the UK on any other basis, their access to open market could benefit them by the early termination of their contract, adding Housing Benefit will be unaffected by the equivalent of saving an extra £1,500 into that Atos has in fact made a substantial new ruling.) their pension pot. financial settlement to the DWP as part of the agreement to terminate the contract.

NARPOnews - the voice of retired police officers 15

It was also noted by the FCA that those personal allowance is taxed at a starting years. The Royal Mint estimates that customers who had smaller pension rate of 10%. From April 2015 the 10% about 3% of all £1 coins in circulation pots (those under £5,000) had ‘no savings rate will be reduced to 0% and are now forgeries and that in some real choice’ on the open market, with the band of savings income that is parts of the UK this number is as high no suitable annuities being actively subject to the 0% rate to £5,000. This as 6%. promoted for smaller pots such as means that anyone with total annual these. income of less than £15,500 will no • A number of banks have taken steps to longer pay any tax on their savings contact those affected by the flooding Temporary measures have been put income. in late 2013 and early 2014. Many of in place for people retiring before April the leading names have offered help 2015, to help them access more of their • The income tax personal allowance with emergency costs and mortgage retirement savings. This includes raising (which reached £10,000 this April) is set payments during the crisis, ranging the limits that apply to people who to rise to £10,500 from April 2015. from payment holidays on mortgages want to cash in low-value pensions, and loans to relaxed rules on insurance from £18,000 to £30,000. (This will also • The adult National Minimum Wage will and help with finding temporary apply to people who have low-value DC increase by 3% to £6.50 from October accommodation. If you have been pensions that are yet to be drawn.) 2014 (and by 2% for the youth and affected and have not heard from your apprentice NMW rates). bank, you should contact them directly The Chancellor said that people should for further information on the support be trusted to do the sensible thing • Corporation tax fell to 21% in April 2014, available. and use their pension pots wisely. and will fall further, to 20% in April 2015. However, recognising that there may • Royal Mail raised postage prices on be a ‘knowledge gap’, he has made • HMRC will be investing in a new online 31 March. A first-class stamp has a commitment to provide new retirees service to support the administration increased by 2p to 62p, while a second- with free and impartial advice to help of Inheritance Tax (IHT) by allowing class stamp has gone up by 3p to them make the right decisions. (With the individuals to apply for probate and 53p. Large letter stamps have also average DC pension pot worth £25,000, submit IHT accounts online. The service increased, with a first-class large letter very few people would be able to cash is expected to become available during (under 100g) rising from 90p to 93p, out enough to do this!) 2016. and a second-class from 69p to 73p.

These proposals are not yet law and are • From 1 April 2014, a council tax break • Energy supplier EDF Energy announced subject to consultation, so they could applied to households that include an a change in policy regarding customer change in future. annexe or ‘granny flat’, if it is used by accounts. The company has now begun the occupiers of the main property or a system of automatically refunding • The Government plans to launch a by their immediate family members, direct debit customers whose account choice of fixed-rate, market-leading including parents and teenagers. The is in credit on the anniversary of their savings bonds for people aged 65 council tax levied on the annexe will joining the tariff, and whenever they and over, available from January 2015. receive a 50% discount. switch to a new deal. He cited an example of a three-year bond paying 4.0% gross/AER, with an However, an annexe is exempt Fellow energy firms British Gas, First investment limit of £10,000 per bond. from council tax if it is occupied by Utility, Npower and SSE have also dependent relatives (those aged 65 or adjusted their policy to allow automatic Interest on the bonds would be taxed in over, or if they are severely disabled or refunds. Scottish Power will continue to line with all other savings income, at the mentally impaired). refund customers who are in credit by individual’s marginal rate, meaning that £75 or more, or who have been in credit pensioners who do not pay savings tax • A significant scaling-back of the tax by any sum for more than a month, will be eligible to receive the interest tax- relief applying to people who own and E.on already refunds direct debit free. Further details will be confirmed in property other than their main home customers who are in credit by £5 or the 2014 Autumn Statement. kicked in from the beginning of April more. The changes were a result of 2014. This could hit buy-to-let investors, talks between the suppliers and Energy • The annual limit for savings within holiday-home owners and long-distance Minister Greg Barker. an Individual Savings Account (ISA) commuters who live in a second was set to increase from April 2014 property during the week. to £11,880, of which £5,940 can be invested in cash. The Chancellor Under the old rule, a relief – known announced that a new ISA (or NISA) will as ‘principal private residence relief’ replace existing ISAs from 1 July 2014. – enabled owners to exempt gains You will be able to pay £15,000 into made in the last three years’ ownership the ISA and this can be held in cash or from capital gains tax, provided they shares or a combination of both. had at one time used the property If you have a benefits query you can as their main home. From April 2014 contact Wordshop direct quoting your The Government will also raise the limits only the final 18 months’ gains can be NARPO membership number: for Junior ISAs and Child Trust Funds exempted. from £3,720 to £4,000. These changes Email: [email protected] will be introduced from 1 July 2014. • Subject to consultation, the Government Fax: 01935 812800 or plans to introduce a new £1 coin that Post: Benefits Information • The 10% starting rate for savings is to will use new technology to protect Consultant, Wordshop, 7 Tilton be abolished. Currently, the first £2,790 against counterfeiting. The current Court, Digby Road, Sherborne, of savings income above the tax-free £1 coin has been in circulation for 30 Dorset, DT9 3NL.

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 16 narponews

NARPOnews - the voice of retired police officers 17

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 18 narponews

You can email your What’s on? ‘What’s on’ details to

Dates to remember for your diary info [email protected] WARWICKSHIRE Birmingham City ESSEX METS BRANCH Police/ West Midlands The retired Metropolitan Police officers Annual Afternoon Tea, Woodside Hotel who live within the boundaries, of the Kenilworth, FRIDAY 30th MAY 2.30 for 3pm Police, A Division original, County of Essex, will in future be £11 per person meeting for lunch at The Grange, Boreham, Contact Mike Rolf 01926 315529 Annual Reunion. Essex, CM3 3HJ, on the last Tuesday in This 2nd get together is being held at April and September. The Red Lion Public House in Warstone For further information and to be HARROW ROAD Lane, Hockley on Saturday 3rd May added to the mailing list please email STATION REUNION 2014. Parade 1300hs onwards. Barry Walsh on Wives or partners most welcome. [email protected]. Please contact Kev PHILLIPS (A198) at “Old XD/New DR” [email protected] if attending. The Reunion this year will be held on Alternatively contact Phil BURLACE or Friday 9th May 2014 6.30pm to 11pm Derek ROWE. Kev PHILLIPS can also CARDIFF CITY at THE PRINCE of WALES PH 150-151 be texted on 07855873793. Drury Lane, WC2B 5TB POLICE 31st ANNUAL Please confirm your attendance, as the numbers are required for catering RE-UNION DINNER purposes, for the hot and cold buffet meal. TUNBRIDGE 7.30 p.m. Friday, 10th.October, 2014 The cost per head this year will again To be held again this year at Spiros be £5.00. Cheques in advance of the WELLS REUNION Banqueting Suite St. Peters Street, evening please made out to “Harrow Road The 2nd Tunbridge Wells Police Reunion is Cardiff. Reunion” and sent to:- to be held on Saturday 25th October 2014 Great food. Great location. Great Peter Scott, ex 302’XD’/305’DR’ in Tunbridge Wells for all whom served company. Come along and meet up 91 Lynwood Road, Thames Ditton between 1960 and 2000 at Tunbridge again with old friends. It promises to Surrey, KT7 0DW Wells, Cranbrook and Paddock Wood, be another really enjoyable evening. Tel: 020 8398 9309 Kent. Please contact Chris Clark on 07984 Members may invite as guests persons [email protected] 908229 or [email protected] who are serving or have served in the for further details. Cardiff Divisions. Those wishing to attend should Metropolitan Police 3rd contact either Gail Gerrard (029 20658664) or: Reunion of A10/CIB/ EAST SUSSEX Sid Griffiths (029 20319060). MS15/16 and DPS Is taking place on 30 October 2014 from REUNION 3.30pm at the Albert PH, Victoria Street, The tenth Reunion of the former East Police Training London, SW1H ONP. Sussex Constabulary is scheduled for: Please contact either of the following to SATURDAY SEPTEMBER 6th Centres confirm attendance: Robin Cliffe on email 12NOON to 4PM, BARNSGATE [email protected]. MANOR, HERONS GHYLL, Staff reunion John Burgess on email UCKFIELD. Were you on staff at the training centres [email protected]. Dick Cost per head is £16 which includes a at Pannal Ash, Newby Wiske or Dishforth Andrews on 07512 353291 or richard. substantial buffet lunch and coffee. during the 1960s, 70s or 80s? Would you [email protected] Cheques payable to: East Sussex Reunion be interested in attending a reunion? may be sent to Frank Perchard, c/o Battle If so, Dave Tingle and Brendan Lally have Police Station. All former members of taken the initiative to jointly organise West Midlands Police East Sussex Constabulary whatever their a reunion probably in October and at function are welcome. a venue which would minimise travel ‘C’ Division re-union. for everyone. It is envisaged we would Saturday 11 October 2014 12 noon to choose a hotel where, following an early 6 pm. Venue is West Midlands Police afternoon arrival, we might meet in a bar Sports Club, Tally Ho! Pershore Road, SOUTHPORT BRANCH Are holding a DINNER DANCE lounge pre dinner or buffet and have an Birmingham,B5 7RN. Saturday 13th September 2014 evening of reminiscing. Departure after Ticket £10-00, a buffet will be provided. At Southport Old Links Golf Club breakfast. Wives, partners welcome email: [email protected] For further information and to book contact to register your interest please contact Dave with your details or telephone Len Waltho 01704 543210 or Brendan on either of the following emails 01543 302742. [email protected] [email protected] [email protected]

NARPOnews - the voice of retired police officers 19

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 20 narponews

NARPOnews - the voice of retired police officers 21 A Visit to Eagle’s Nest

I retired from Greater Manchester Police in 2013 and wanted to combine some voluntary work with an awesome holiday in South Africa. I made several enquiries but most places wanted to charge me to volunteer and wanted a significant commitment in terms of time that I was not in a position to offer, but fortunately I discovered Eagle’s Nest.

Eagle’s Nest Ministry was founded in 2006 by David and Celia Goddard on the edge of a township in the outskirts of Cape Town, South Africa. There is a huge need for good quality education in South Africa and Eagle’s Nest aims to help by providing a high standard of education in English to township children. In the first 5 years the school grew from its initial 30 pupils to 210. It is still expanding and currently has 285 pupils.

The school is run by Celia and when approached she was happy to accept any assistance offered in terms of time. So I encouraged my good friends and NARPO colleagues Jane Jones, ex GMP, and Chris Wilde, Ex S. Yorks, to spend a few weeks holiday in South Africa and built into the trip some time teaching at Eagle,s Nest. Jane and I were both former teachers prior to our joining the Police and the three of us are former police trainers. The three of us could not wait to get stuck in.

The school is situated on the edge of a township close to the Cape Town International Airport a short drive from the N2. It is surrounded by a wire mesh fence but has 6 fully equipped classrooms. As well as Celia there are 8 teachers and 5 teacher’s assistants at Eagle’s Nest. A further two classrooms were being built when we visited.

Most of the children are from very poor homes. Many children arrive at school with empty stomachs and lack the most basic necessities but despite this they appear happy and willing to learn. We each took a different approach to teaching on the days we visited but the children ranging in ages from 5 years to early teens appeared to enjoy our input. We certainly felt that our visits had been worthwhile and were as memorable a part of the visit to South Africa as any of the major attractions we visited during our stay. Eagle’s Nest still needs help to continue its work. You do not need any formal training in teaching or training experience to help. If you are interested in finding out more about the school and the progress it is making in assisting children towards a high standard education check out their website at www.eagles-nest.org.za

Angie Bradley ex-GMP, Rochdale NARPO

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 22 narponews NARPO Group Travel Scheme - Huge Success

The NARPO Annual Group Travel Scheme, specially arranged by us at Benefits at a glance: THIG – The Health Insurance Group Medical benefits Travel Cover - which came into force four years Medical cover £5,000,000 ago, renews, once again, on 01 May Additional accommodation expenses* £5,000 2014. The scheme has proved to be Emergency dental treatment* £750 enormously popular with members, Repatriation of mortal remains to UK up to £2,000 Yes as it offers a comprehensive range for local burial/cremation Please note: Benefits of benefits at a very competitive Emergency medical repatriation and evacuation Yes marked with an asterix premium. Compassionate overseas visit Yes (*) are subject to an excess so you will have Membership for all existing Travel scheme Travel benefits to pay the first £50 per members will renew automatically on 01 Personal accident £30,000 claim per person. The May 2014. However, if you do not wish to Cancellation/loss of deposit* £5,000 medical cover benefit is renew your membership, please notify us Curtailment* £5,000 subject to £50 excess prior to the renewal date, in writing, or by unless a European Health calling the Freephone number below. Delayed departure: for every 12 hours: £50 up to maximum of: £200 Insurance Card is used Delayed baggage (more than 12 hours) £150 to reduce costs. Benefits NARPO members who wish to join the are subject to conditions, Travel scheme for the first time, with effect Missed departure* £1,000 Extended delay* £2,000 limitations and from 01 May 2014, should call us on exclusions detailed in the Freephone 0800 3308575 (lines are open membership agreement. Monday to Friday 9am to 5pm) or visit our Personal possessions website to download the forms at: www. Baggage/personal effects*: single item limit £350 healthinsurancegroup.co.uk/narpotravel. up to maximum of £1,500 Personal money/ travellers cheques*: If lost or stolen: £500 Whether you are off on holiday, or going Cash limit up to maximum £250 away on business, this NARPO Annual Loss of passport £250 Group Travel Insurance Scheme, provided Legal expenses £25,000 by AXA PPP healthcare, will keep you well Personal liability £2,000,000 protected against the unforeseen.

There is no limit on the number of overseas Travel cover Annual premium journeys which can be undertaken by for the year from 01 May 2014 – 30 April Single £145 2015 are listed in the table below, and members in any insured period. Any single Married/partner £200 trip can last for up to 65 days, and a total include a small administration fee levied by NARPO. Premiums are payable annually Single Parent £200 of 183 days can be spent overseas during Family £210 any insured period. in advance, and only by direct debit, and members can join at any time, however, And, if you are heading for the slopes, 17 the full annual premium will be payable days winter sports cover is included within even if they join mid-way through the Once again, please note, membership the package. insurance year. for all existing Travel scheme members will renew automatically on 01 May 2014. New members can join the scheme Children of members can now be covered Existing members of the scheme should provided they are less than 85 years old on until the renewal date after their 25th have their renewal documents by the end 1st May 2014 but once they have joined, birthday, regardless of whether they remain of April 2014, prior to the renewal date. there is no age limit. in full time education or not, provided that they continue to live with their parents. However, for all new Travel scheme What is more, pre-existing acute Unfortunately, adult children of members, members, joining the scheme for the first medical conditions are covered, and and grandchildren of members, cannot time from 01 May 2014, policy documents provided a member is fit to travel, they join the scheme. will be issued by late May, however, their will be covered to travel worldwide. cover will be effective from 01 May 2014. (Please note: there are exclusions Please also note that the scheme is only around psychiatric illness). available to NARPO members who are New applicants during the year - please resident in the United Kingdom. The allow three weeks for policy documents We are one of the leading independent scheme is not available to members who to arrive - don’t wait until the last moment specialist healthcare insurance permanently live outside the UK. before applying! intermediaries in the UK, and are authorised and regulated by the Financial Services Authority (FSA). We For an application form to join the NARPO have abundant experience of arranging healthcare insurance cover within the Annual Travel Scheme, please call us on: police family in the UK, and we are delighted with the scheme terms that we have negotiated for NARPO members. Freephone 0800 3308 575 (Lines open Mon to Fri 9am to 5pm – calls may be recorded) The premiums are the same for all members, and are unaffected by the Or visit - www.healthinsurancegroup.co.uk/narpotravel members age. The annual premiums

NARPOnews - the voice of retired police officers 23

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 24 narponews RETIRED POLICE OFFICER’S £13000 WINDFALL

With years of experience in the Payment Protection Insurance How long will my claim take? miss-selling business, we’ve claimed refunds for people all over Once we have submitted your claim, the lender is allowed 8 weeks in the country. Having helped a large number of serving Police which to investigate and provide us with a final response. Officers, we didn’t want NARPO members to feel left out. Even now, with the widespread press coverage, a huge number of people still haven’t investigated whether they have been miss-sold Here’s what other retired Police this insurance, and are due a refund. Many are even unaware that they had taken it out, whilst others felt pressurised into purchasing Officers have said about us: it. At Active Credit Reclaim we realise that some members of the public are a little daunted by the thoughts of dealing with a claim “Thank you for sorting out my claim for PPI. themselves. Some are too busy, or cannot find any paperwork. If you have EVER had a credit card, bank loan or HP you may have I received over £13,000.00. I would certainly been sold this insurance, and if it was miss-sold to you, the lender recommend you to my friends” could owe you £1000’s! (GS refunded £13305.73 from First Direct)

“Thankfully your advert in the NARPO Magazine FREQUENTLY ASKED QUESTIONS provided me with the confidence to make the initial enquiry. May I also say the professional yet friendly “I’ve had loans and credit cards in the past but approach displayed throughout deserves only I don’t have them anymore. Can you still help?” the highest praise and I will have no hesitation in Yes, so long as you can remember who you borrowed from we will apply to the lenders at no cost to you, and ask them to send us recommending your services to anyone who may details of all loans and credit cards you have held with them. Once we wish to make a claim. receive this information we will update you with our findings. (A.F received a refund of £11,237.50 from Co-operative bank)

“I’m pretty certain I’ve always refused this “The claim was handled professionally on my type of insurance in the past. Is it still worth behalf and removed all the hassle of dealing with investigating? the bank myself. I would recommend using this Yes. Many people tell us that they don’t think they have been sold company” PPI in the past, but often we will find evidence that clients weren’t (J.O refunded £2310.21 from Yorkshire Bank) aware of. It will cost you nothing for us to find out for you. You may be surprised. How much does your service cost? To find out more – We charge no upfront fees whatsoever. If we investigate your lenders and find no evidence of PPI being sold to you, we will advise you and close the file. There is no charge for this. Our success fee (25% of call us: 01707 649 665 refund) is only payable IF we win your claim. If we do not win, you owe us nothing. or 01707 649 688 Email us: [email protected] How much is the average refund? If your claim is upheld, the lender will have to refund all premiums paid PLUS interest as compensation. The average refund is Remember, we are here to help YOU!!! approximately £3000.00.

NARPOnews - the voice of retired police officers 25

£15,000. The allowance for Junior ISAs will be increased to £4,000. The Investment Management Association welcomed the government’s changes to the ISA regime, 2014 Budget which it believes will encourage both savings and “a flow of capital to industry”.

The Chancellor also announced a new Pensioner Bond, available to everyone aged over 65 from January 2015. The Pensioner Bond will be offered by National Savings - Overview & Investments and will pay market leading rates. A one-year bond is expected to pay interest of 2.8%, while a three-year bond will pay around 4%. In other measures, the that will reduce the typical UK taxpayer’s 10p tax rate for savers was scrapped and Food for thought bill by £800. The higher-rate tax threshold the cap on Premium Bond ownership was With at least one eye on next year’s will increase from £41,450 to £41,865 increased from £30,000 to £40,000 from election, the Chancellor delivered a Budget during the 2014/15 tax year, and will rise June 2014, and will be raised to £50,000 in that contained some interesting news for by another 1% to £42,285 in 2015/16. He 2015. The number of £1m winners businesses, savers and pensioners but a also abolished inheritance tax for members was doubled. genuine shock for pension providers. We of the emergency services who give their thought, in this article, it may be helpful to lives in the line of duty. Elsewhere, in a provide a brief overview of the bid to curb tax avoidance, stamp duty on Wooing the main measures. residential properties worth over £500,000 ‘retired vote’? was increased to 15% in situations where Ahead of next year’s General Election, In what was probably the most controversial the home is bought through a company. Chancellor of the Exchequer George measure within the 2014 Budget, the Osborne delivered a Budget designed to Chancellor announced plans aimed at deliver “a resilient economy” that provided removing all tax restrictions on pensioners’ Backing business access to their pension pots. Pensioners considerable food for thought. Focusing in Osborne revealed measures aimed at will no longer be obliged to purchase an particular on support for business, savers consolidating the economic recovery by annuity to fund their retirement. Drawdown and pensioners, the Chancellor hailed the supporting businesses. In response, the of pension income under the new regime UK’s economic recovery but warned there Confederation of British Industry (CBI) will be taxed at marginal income tax rates was still more to be done. welcomed the government’s plans, but rather than at the current rate of 55% and warned “tough challenges remain ahead”. the amount of pension savings that can be Business rate discounts and enhanced taken as a lump sum was almost doubled to Economic growth capital allowances in enterprise zones were £30,000 from 27 March 2014. gathers pace extended for a further three years. The UK economy is predicted to grow The measures will give retirees more The Annual Investment Allowance was more strongly than previously forecast freedom to decide how to use their pension extended to the end of 2015 and doubled to and, during this year, the Office for Budget pot but have also raised fears some £500,000. As a result, 99.8% of companies Responsibility (OBR) expects the UK individuals might fritter away their money are expected to pay no tax on money used economy to expand to a level greater than and have to be supported by the state. The for capital investment, and this move was its pre-crisis peak. The OBR increased its BCC described the move as “unexpected described by the CBI as “a shot in the arm” forecast for UK economic growth in 2014, and radical” while the Pensions Advisory for business. Elsewhere, the decision to from 2.4% to 2.7%, and now predicts Service commented: “This Budget will double export finance to £3bn and slash expansion of 2.3% in 2015, 2.6% in both be remembered for introducing ‘grown interest rates on this lending by one-third 2016 and 2017, and 2.5% in 2018. It also up’ pensions where individuals have was hailed by the British Chambers of expects growth in wages to outstrip the rate more flexibility.” However, it also warned Commerce (BCC) as “a big step in the of inflation this year and indeed for the next that “greater choice can make decisions right direction”. few years more complicated”. Meanwhile, the CBI expressed the hope that, “in the long term, greater flexibility might encourage people to The deficit is falling save more for their pensions”. The outlook for borrowing has improved – Curbing public spending borrowing is forecast to reach £108bn this The budget for welfare spending will be capped at £119bn during 2015/16, and If you wish to discuss any element of financial year and £95bn in 2015, and is tipped to planning, such as investing, releasing capital will then rise in line with inflation. However, achieve a surplus by 2018/19. At 6.6%, the from your property or Inheritance tax planning UK’s budget deficit during 2014 is likely to the basic state pension and cyclical please do not hesitate to contact us on 0845 be lower than envisaged, and it is expected unemployment benefits will be excluded 600 8996 or email [email protected] to continue its decline until 2018/19, when it from the cap. Police Mutual Assurance Society Limited is now predicted to achieve a surplus (PMAS) is an incorporated friendly society. of 0.2%. Police Mutual Insurance and Financial Services Support for savers Limited is a wholly owned subsidiary of PMAS From 1 July, cash Individual Savings registered in England & Wales No. 4560462. Tax remains a hot topic Accounts (ISAs) and stocks & shares ISAs Registered office of each company is Alexandra will be merged and simplified into a single House, Queen Street, Lichfield, Staffordshire The Chancellor increased the income tax WS13 6QS. Calls may be recorded and ISA with an annual tax-free allowance of personal allowance to £10,500 – a move monitored for training and quality purposes.

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 26 narponews

NARPOnews - the voice of retired police officers 27 New name, same great service for NARPO members Some of you may have noticed some exciting changes taking place at Roland Smith this spring.

At the end of April, our whole team moved allowing us to bring our quality products Julie is one of our dedicated NARPO team from our previous offices in India Buildings, and our emphasis on the personal touch to members, based in Liverpool, and has on Brunswick Street in central Liverpool, to more and more of our members. been with us for nine years. Here’s our brand new home just around the corner what she says: at 5th Floor, 20 Chapel Street, Liverpool, “Roland Smith has been part of Police L3 9AG. As always, our members are Mutual for the last seven years. We “I come from an insurance background welcome to come and see us in person pride ourselves on delivering the and have been an account handler here and we’ll be happy to show you around. highest quality service, both when for nine years this November. When I was you take out a policy and even more younger, I wanted to join the Police but At the same time, we’ll be moving forward importantly, when you have to make they had height restrictions at the time and with all member communications using the a claim. The policies we arrange are unfortunately I was just too small! I’ve got Police Mutual name and logo, rather than designed specifically to reflect your needs family members who are in the Roland Smith, to reflect the fact that we’ve and give you peace of mind. Police though. been part of the Police Mutual Group since 2007. “Police Mutual and Roland Smith have “We bring a very personal touch to what been here for the last 140 years and the we do. Our member services team of Other than the name, nothing else changes team really is like a family. Many of our 14 are here for the NARPO members, and you’ll still get the same great service advisers have been here for 10 years but if anyone else comes through to us and value for money products you’ve or more and I know that our members by mistake we won’t waste their time always enjoyed from us. You can still call appreciate being able to speak to the same transferring them around the business, our friendly specialist NARPO team on the person each time they call us. we’ll deal with it ourselves. Similarly, if you same number you’ve always used – need to change anything about your policy, 0845 758 5878. “We’ve built many strong, lasting we won’t pass you over to a different relationships, both with our members and department, we’ll sort all that out for with our partners, such as NARPO and you ourselves. the Federations, and I look forward to these continuing in the future. We’ve been “You really get to know the members and working with NARPO for over 30 years I’ve been speaking to some of them ever now and it’s a real privilege to be able to since I first started here nine years ago. support retired Officers with their finances. Many of them ask for us by name. You get to care about them and their lives and “It’s always a pleasure to talk to our you can have a real banter with some of members and I hope to see some of you them! A lot of the members I speak to are in person at the NARPO conference in my dad’s age and I always like to look Brighton this September.” after them as I wouldn’t want my dad to be treated badly if he had to call someone about his finances.

“Sometimes we can be the only people some of our members will speak to in days. We had one man who was starting to suffer from dementia and we were one of the first to notice something was wrong as he kept Customer Services Director, Pam phoning us about the same thing. Because McGaffney, has been part of the Roland we have such a close relationship with Smith and Police Mutual story for almost NARPO, we let them know that we were 35 years: worried about him and they were able to get in touch with his family. “The change of name and our move to new offices marks an exciting new chapter for “I’m very passionate about NARPO and the everyone here. work we do, and I can’t see myself leaving here any time soon. There are some people “I joined my father, Roland Smith, and on the team who’ve been here for 25 years brother, Nigel Smith in the family business and we really are like a family!” in 1980. Since then, I’ve been immensely proud of the way we’ve continued to grow,

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 28 narponews We understand what’s important to you

Names of team members: BL-R: Sean, Paul, Carol, Julie Q, Julie W, Sue, Neil. FL-R: Lisa, Maureen, Shirley, Susan, Amanda, Elaine, Julia, Pam

We’ve been working with NARPO for 30 We’ve had a great response from NARPO years now. Over the years we’ve spent a lot We take the hassle out of members since introducing our family of time listening to NARPO members and car and home insurance products. So don’t forget to mention to have come to know what they really want We’ll be clear and transparent about the your family members that they too can take from their insurance. costs of insurance. advantage of exclusive NARPO car and home insurance! For this reason we’ll never have automated With some insurers the price quoted is responses and endless buttons, just our rarely what you actually pay. Some charge team of friendly, helpful expert insurance up to 26.9% APR if you want to pay for your Did you know… • Last year we helped over 1500 NARPO advisers on the end of the phone. premiums monthly. Some charge extra if you members through the claims process want to make simple changes to your policy. • We paid out over £1.4 million for NARPO We know you expect the right insurance at a Others will charge you for cancelling your members in claims sensible price. We also think you deserve a policy. friendly, one-to-one service from people who • NARPO members switching their home insurance to us saved on average £120* understand your needs, saving you time and We don’t think any of that is fair, which is why • NARPO members switching their car money and taking the stress out of buying we won’t charge you extra. insurance. insurance to us saved on average £88* • Over 90% of NARPO members and their There are no hidden costs in any of our families renew with us each year Our dedicated NARPO team of 14 policies and we won’t charge you admin experienced member services colleagues, fees if you have to make changes like based in Liverpool, won’t keep you waiting *Average premium savings of £120 and £88 moving house or changing your car. We also is based on 23% of NARPO home insurance – they answer eight out of 10 calls within just offer interest free monthly payment options. members and 24% of NARPO car insurance three rings. They know all about insurance members who provided their existing premium for retired Police Officers. If you need more And if you have to make a claim, our and switched their insurance (inbound sales time to think or understand your policy, they’ll dedicated member services claims team only) to Police Mutual in 2013. take the time to talk it over with you and will handles things quickly and efficiently never rush you to make a decision. so you can get back to normal fast. We know emergencies don’t always happen We could save you Here’s what one of our members said about during office hours, so our claims service is money on your insurance the service he received from Maureen, one available 24/7. of our team, when he called us about his Switching your car or home insurance to us car insurance: today couldn’t be easier. We could save you Our NARPO car insurance policies take money and we’ll even pay any cancellation the stress out of insurance by offering, fee up to £125. “You were very patient and professional in as standard, uninsured drivers cover, a answering my questions and I appreciate lifetime guarantee on repairs when using Call us today for your kind of quote on the time you took to explain the cover our recommended repairers and a courtesy your company provide. Frankly I have 0845 758 5878 and find out why so many car if you need one. And our NARPO NARPO members choose us. been very impressed by your attitude and home insurance comes with domestic customer care… You came across as very emergency cover as standard (up to £500 PMGI Limited, trading as Police Mutual, is straightforward, honest, patient and polite, per claim), and replacement of contents as authorised and regulated by the Financial qualities that are not always found today. I new. Certain terms and conditions apply, so Conduct Authority. Registered in England & really appreciate the time you took in dealing please call us for further details. Wales No. 1073408. Registered office: Alexandra with my questions, in my opinion you are a House, Queen Street, Lichfield, Staffordshire credit to your company…” And don’t forget families of NARPO WS13 6QS. For your security, all telephone calls members can also benefit from the are recorded and may be monitored. outstanding service and quality of NARPO Our car and home insurance is provided by car and home insurance. This includes Royal & Sun Alliance Insurance Plc. partners, brothers and sisters, grandchildren and children of NARPO members.

NARPOnews - the voice of retired police officers 29

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 30 narponews

NARPOnews - the voice of retired police officers 31

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NARPOnews - the voice of retired police officers 33 Questions from Members

Frustrated with your computer? Just ask us and we will help

feel a sense of familiarity. The nature Windows XP end of the cold call is to try and trick you of support into handing over payment details for a As some of you may know, Windows non-service. The individuals have every XP support from Microsoft ended on intention of taking your money and the 8th of April, after a monumental running for the hills, and the information service lasting almost 13 years. Those they claim to have about your computer of you still using XP are also aware that is fabricated. Unfortunately, this well not a lot changed. The computer still known and long standing scam is nigh Answer Try downloading the free version of functions as it should, and hard drives on impossible to bust, because they Malwarebytes’ Anti Malware from www. containing installations of Windows XP are controlled from overseas countries malwarebytes.org and see if that brings were not wiped or locked out... contrary which have poor or non-existent back any results. This normally removes to various rumours. cybercrime laws. things like malware that create the pop ups. In fact, the only changes that could possibly affect most end users are the Member Q&A fact that security updates will no longer Question Question be distributed to installations of XP, and When I turn my lap top on ‘snapdo. When I enter details in a web form, my Microsoft support would no longer offer com’ shows in the first box and logs name, address, telephone number, help relating to it. Everything else will onto it, instead of ‘my bt’. I have never email, etc. auto select as soon as I enter function as normal. Third party software entered ‘snapdo.com’ and think that it my Christian name. Great but we have will still work and update as long as the has come to my computer attached to moved to a new address - how can I developers keep making it and software something else. I don’t do a lot on the amend the info to our new details? that worked yesterday will still internet even though I have been retired work tomorrow. some 5 years, I will be grateful if you can advise me how to remove ‘snapdo. Answer So what do you need to do? Well, com’ so that ‘my bt’ shows and Assuming you are using Internet the answer is you don’t need to do logs onto it. Explorer, Click the Tool icon in the anything, but you are advised to upper-right corner and select Internet consider upgrading at some point, to options. Click the Content tab. In get security updates as well as access Answer the AutoComplete section, click to the latest software. A lot of people Depending on what browser you are the Settings button. are apprehensive about upgrading to using, please see the attached link and In the resulting dialog box, click Windows 8, however it continues to select the correct set of instructions the Delete AutoComplete history button. evolve and once you start to use it you http://www.pcworld.com/article/241716/ Make sure that Form data is checked can get used to it quite quickly. There how_to_change_your_web_browser_ before clicking Delete. are also numerous applications out home_page.html there to bring back a more “classic” Alternately you can manually type the look and feel if the way it works is not to You will just need to change Snapdo new information in the form once, and it your taste. to bt.com may ask you if you want to overwrite the stored data – this doesn’t always work Fake Tech Support Question though and your results may vary. Please can you help me? every time I scam - don’t be log onto my web site I continually Send your email queries to get adverts popping up onto the sides [email protected] conned! and bottom of the page, I no sooner If a cold caller who you don’t know asks click them off but what they pop up or ring 01369 706 656 you for details about your computer, again. I find this so annoying as this and one of our IT Consultants will and describes apparent “problems” has never happened in the past. How to you – don’t buy into it, even if you reply to your mail in layman’s terms do I stop them?

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 34 narponews TWD Accountants

Based in Stockport, near Manchester, we represent the friendly face of tax. Founded in 1996 and offering an unprecedented value for money service we have grown to become one of the UK`s leading independent personal tax and accountancy specialists.

If the thought of filling in your own tax Our fee structure has no hidden extras, We are now offering a tax advice line for return fills you with dread, you’re not alone. no catches and we don’t try and sell you NARPO members to contact us with any Many people find it complicated and time- services you don’t need. We provide general personal tax queries they have. You consuming so it’s no wonder that almost 1 you with one, low cost, fixed fee for your can contact us on 0161 358 1210 with any million people a year are fined for failing to required service and that`s the fee you pay. personal income tax query*. return it to H M Revenue & Customs. Our 20 strong team of qualified accountants Talk to TWD Accountants and see how we Worse still errors by H M Revenue & and ex HMRC staff offer a nationwide can take away your tax headache. For more Customs are regularly reported, with one in service. information contact: four tax returns calculated incorrectly. By streamlining our communication and Christine Fairbrother ATT Our unique fixed fee tax and accountancy work-flow procedures and utilising state-of- TWD Accountants Ltd services have helped many thousands of the-art computer software, we’ve developed Mellor House clients with their personal tax affairs. Tax a highly efficient system which means there 65-81 St Petersgate return preparation; computation of each is no need for face to face meetings. This Stockport client’s tax position; securing tax refunds; helps maintain lower costs and avoid the Cheshire self-employed accounts preparation and need for the soaring hourly charges usually SK1 1DS carrying out tax health-checks are all part of associated with traditional high street the fixed fee service. accountants. Telephone: 0800 093 9433 Email: [email protected] Are you aware that you need to let We are passionate to making tax accessible Website: www.twdaccounts.co.uk/ HMRC know if: - providing a friendly and efficient service narpo2014 regardless of your tax queries. We now file • You are a company director an average of 5,000 tax returns each year *Tax Advice Disclaimer • Your annual income is £100,000 or more and our business continues to enjoy steady The TWD Accountants Advice service is per annum growth. available only to UK residents and is at the sole discretion of TWD Accountants. Advice is limited • You have income from savings, to aspects of UK Personal Tax ONLY. We regret investments or property There is no obligation for you to sign a we cannot answer questions of a tax planning • You receive £10,000 from taxed savings contract with us, we offer a yearly service - if nature. All advice given is of a general nature • You receive £2,500 from untaxed savings at the end of the first year, you decide not only and should not be relied upon before • You receive £10,000 from let property to renew, you are in no way obligated to making (or refrain from making) any decision or (before deducting expenses) us. However 99% of our clients have never taking any action. Detailed tax advice can only • You receive £2,500 from let property looked back - many of them have been loyal be provided to clients of TWD Accountants Ltd. (after deducting expenses) customers and used TWD Accountants for • You become self-employed several years. • You want to make a claim for expenses or reliefs for £2,500 or more We are now offering • You or your partner is still receiving child a tax advice line for benefit and one of you earns in excess of NARPO members to £50,000 contact us with any • You receive income from overseas that is general personal tax liable to UK tax queries they have. • You receive income from trusts, You can contact us settlements or estates on 0161 358 1210 • You have sold an asset and are liable to with any personal Capital Gains tax income tax query*.

NARPOnews - the voice of retired police officers 35 High Court orders withdrawal of Home Office Police Pensions Guidance

The High Court has quashed Guidance issued by the Home Office which has been used to reduce the injury pensions of thousands of injured former police officers. All of these cuts to the pensions of former injured officers will now have to be further reviewed. The court ordered the Home Office to publicise the withdrawal of the unlawful guidance on its website. The notice is at https://www.gov.uk/ government/publications/police-pensions-notification.

The Home Office Guidance, published in 2004, recommended that police injury pensions should be reviewed when injured former police officers reached their Compulsory Retirement Age (“CRA”) at which they would have retired from the force (if not injured) and recommended using the lower “National Average Earnings” as a guide for loss of salary at that point. This resulted in drastic cuts to the pensions paid to former officers. Injured officers who could not work found their incomes slashed at either age 55 or 60, depending on when the officer joined the Force.

That method was challenged in a High Court case brought by lawyers at Cartwright King on behalf of former officer, John Slater. The government has now conceded that the guidance is unlawful and that reviews at a CRA must relate to the individual circumstances of the officer. This means the blanket National Average Earnings figures cannot be used to cut injury pensions. The Court ordered the Home Office to write to all police forces withdrawing the Guidance within 14 days and to publicise the withdrawal on the Home Office website.

If you believe you have had your injury award reduced as a consequence of you reaching Compulsory Retirement Age and the use of the National Average Earnings [ASHE], you should write to your Force requesting that your Injury Award be re- instated to its former Band. a template letter can be found on our website Injury pensions page. Is Employment and Support Allowance deductible from an Injury Pension? We are aware that the position on this matter is varied throughout the country with some Forces deducting ESA and others not deducting it. ESA is a direct replacement for Incapacity benefit so on first sight one would expect it to be deductible, however Incapacity Benefit is expressly detailed as a ‘relevant benefit’ under Schedule 3 of The Police [Injury Benefit] Regulations 2006; ESA however as it is a new DWP benefit is not so expressly detailed.

In an effort to clarify the situation we recently wrote to the Home Office seeking clarification of the matter. The response we received from the Home Office included the following: In principle, we believe it would be appropriate to change both the police pension and injury benefit regulations to make ESA deductible. This obviously leads us to surmise that the Home Office are of the opinion that ESA is not deductible from an Injury Pension at present. The letter also makes it clear that Police Forces are responsible for administering pensions within the regulations and in view of this we suggest that those who are having ESA deducted from their Injury Pension write to their Force in an attempt to clarify the matter. We have prepared a template letter for you to use to write to your Force; see our website Injury Pensions page.

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NARPOnews - the voice of retired police officers 37 Book’em! Ordering books: Please do not ring the NARPO office to order books. Please visit your local book store and quote the

info ISBN number listed - they will then order the book for you.

The Ramblings of a Rustic Copper It Was Nothing! By Brian Walter Wood By Lewis Cooper Brian Wood, a now retired Police Sergeant This story provides a gentle, light-hearted from the Thames Valley Police, recaps some introduction of the naivety of youth, of his humorous and occasionally serious highlighting the potential of Mary Lewis to encounters during his 30 years ‘in the force’. succeed in commerce and the determination His experiences include an instance with of Alun Carpenter, who was destined to the Great Train Robbery for which he was achieve much public good. The journey awarded recognition for his participation. covers the period of 1944 to 2009 and “As I walked under the Town Hall arch, on gradually adopts a serious note, as indeed my way off duty I was confronted by a man does the style of the author, who beguilingly holding a knife who had suddenly appeared unfolds the theme of love, aspirations, and out of the darkness. He advanced scream- selfless devotion, where the majority of driving ing that he was going to kill me”. Not your forces tenderly radiate from the ladies of the normal activity on a peaceful evening in Aylesbury. Look out for tale. With originality of thought, the reader is taken along a winding Brian’s second book aptly called ‘More Ramblings of a Rustic Cop- roller-coaster ride of a fusion of emotions and prejudice, ranging from per’ due for publishing in 2014. surprising humour to disappointment and grief. Alun Carpenter retires from the police service and is charged with murder. The evidence against him is conclusive, but what will happen to him and his family? ISBN: 0957020236 ISBN-10: 1481798081

Bundu, The Beat & Beyond The Vampire of The Villas feature book By John Lloyd By John Pye Follow the author’s journey through life from Vampire! An internet search on the word will a Central African childhood in the mid 1950s draw over 11 million hits – such is the world- to boarding at a High School in Apartheid wide, frenzied interest in the subject. Almost South Africa in the early 1960s. From join- all vampire stories are fictional and even the ing the Sussex Police in 1969 and various ones which claim to be genuine are so lacking adventures in Uniform before progressing in factual detail that they are viewed ‘tongue through to the CID by 1978 and international in cheek’. ‘The Vampire of The Villas’ on the criminal investigations into Frauds against other hand, is absolutely true - I know because Airlines during the 1980s. I was there. This short story is my account of Then explore the world of international crimi- what took place on the evening of Friday 24th nal investigations with Interpol from 1991 at November 1972 when, as a young British New Scotland Yard through to the formation of the National Criminal police officer, I was sent to investigate the disappearance of Demetri- Intelligence Service (NCIS) until its demise in 2006. ous Mykiciura, a 67 years old Polish immigrant. The avenue of dark and Be introduced to the world of the international Division of the Seri- dilapidated Victorian mansions where Mykiciura lived - The Villas, Stoke ous & Organised Crime Agency (SOCA) and the many trials and on Trent in the heart of industrial England, could not have been a more tribulations that followed. fitting setting for the weird and disturbing tale which unfolded. Softcover ISBN 9781491800393. Hardcover ISBN 9781491800409. E-Book ISBN 9781491800416 Only available at Amazon as an ebook Cafe Paradise Thinking About Leaving Your Job? By Patricia Comb By Peter Kelleher MSc. A romantic comedy set in York, Cafe Para- The prospect of leaving a job is a daunt- dise follows the lives and loves of a group ing one at the best of times, but even more of characters who work in a local ‘greasy so in these times of economic stringency. spoon’. After Jackie finds her domineering Ex-police officer Peter Kelleher’s expert mother lying dead, face down in a bowl of examination of all that is involved in such a porridge, she has to take over the running transition provides practical guidance for of the cafe. Her plans to modernise are not anyone moving through the many questions met with enthusiasm by the staff. Walter, the and issues that arise when searching for cook, is not impressed by the prospect of a new job, or thinking about leaving their cooking ‘foreign food’ and he’s increasingly career to start something new. alarmed at Jackie’s attempts to raise the cafe’s profile by getting Drawing on his own experience of making a involved with a crooked local businessman. Meanwhile waitress career change after 30 years in the force, Peter clearly sets out the Kate is trying to fend off the attentions of baker’s man Stan, who decision-making processes his readers will face when looking for despite taking her on the worst date in history, is determined to win new pastures. her affections. And the other waitress, Penny, has discovered that her husband George has taken up a rather unusual hobby...

Cafe Paradise is available on Amazon Kindle or from 2QT Publishing’s on-line Shop at ISBN: 9780953940529 www.2qt.co.uk/shop Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 38 narponews

Worth knowing You can email your ‘Worth knowing’ to

If it’s interesting, we will let you know... info [email protected] 27 Years as Chairman Bob Bradley stood down at the AGM after more than twenty seven years as the Chairman of Wakefield Branch and the Branch was delighted to mark his exceptional and loyal service with a gift of whisky glasses and two bottles of ‘single malt’. Bob will still take an active part in the business of the Branch and he remains an active member of the Committee. His wife, Barbara, who was one of the founder members of the highly successful Ladies Section, was presented with a bouquet of flowers. Thank you! At the General meeting of the Lincolnshire Branch held on 3 December 2013, Sue McEachran, Second World War RAF the branch Welfare Officer, paid tribute to Cilla Smith who recently Bomber recognised for bravery retired from Lincolnshire Police. The tribute was in appreciation of the almost seven decades later care and kindness Cilla had shown to Lincolnshire members for over A former Portsmouth City Police and Hampshire Constabulary police 20 years whilst Cilla had been the officer who flew with RAF Bomber Command’s 619 Squadron on Force Welfare Officer. Branch Chairman Lew Hudson presented an 12 sorties over Germany during the Second World War has had his engraved NARPO plaque and a bouquet of flowers to Cilla. bravery recognised almost seven decades later. Laurie Davis, 88, was joined by a 100-strong gathering of family and friends from Portsmouth and Gosport District Branch of NARPO at the Royal Marines Association Club in Eastney, Portsmouth as the veteran RAF Warrant Officer Radio Operator was presented with the Bomber Command Life Clasp to officially mark his service with Bomber Command.

Mr Davis, who still lives in the city he once policed, and his former Member R.A.F. colleagues have waited nearly 70 years to have their service This year’s Annual General recognised by the government, with the Bomber Command Clasp Meeting of the Burnley and District finally being struck in 2013. branch of NARPO was quite a momentous event. We saluted the The clasp was presented to the former inspector by Air Commodore achievements of Mike Griffin who Christopher Bray, O.B.E. head of operations for the Service Personnel became Chairman of our branch in and Veterans Agency. Air Commodore Bray and other military officers 2001, welcomed a new Chairman had travelled from Cheltenham that evening for the presentation. and voted for a name change for the branch. Under Mike’s leadership the branch has grown, not only Chief Constable Andy Marsh was also in attendance on the evening to with the amalgamation of the Blackburn membership, but by Mike receive the Bomber Command Clasp on behalf of his late grandfather, putting himself out and about, actively recruiting. Before Mike stood Wing Commander Roy Whipple, D.F.C. Wing Commander Whipple down his last act was to propose a name change for the branch to completed 28 bombing sorties over Germany. Mr Whipple, who better reflect our geographic membership and the new amalgamated passed away in June this year at the age of 96, actually cycled from Police Division the branch reflects. The preferred option was ‘East Liverpool to Oxford in 1939 to volunteer for the RAF. Lancashire’ branch. The proposal was carried on the night by a show of hands indicating an overwhelming majority. Mike has been made a Left: Chief Constable of Hampshire, Mr Andy Marsh. Centre: Air Life Member of the branch and was presented with his membership by Commodore Christopher Bray OBE. Right: Mr Laurie Davis Martin Stanworth, Vice Chair.

NARPOnews - the voice of retired police officers 39

Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 40 narponews

NESS - ISLE OF LEWIS Self catering cottage Sleeps 6 (1 double 2 twin rooms) Equipped to a high standard. All linen provided. Ideally situated for walking, cycling. and bird watching. Lots of lovely beaches nearby. 10% discount for NAPRO Contact: Marlyn on Phone: 01851 810334 or Rental Ads [email protected] Members’ Holiday Property Small Ads PORTREE – ISLE OF SKYE Self-catering house owned by retired BC/TDX. Comfortable sleeps 9 in family room, single and 2 doubles. 3 shower/ bathrooms. Ideal base for walking, climbing or Wildlife GLORIOUS EXMOOR watching break. Off street parking, 10 minute walk to England “A beautiful spot” 200 acre beef/sheep farm. AA & ETB town centre. For rates and availability contact Angus on: CORNWALL - FOWEY FIVE STAR GOLD AWARD B&B. Farmhouse (1086) [email protected] or 07799446991. Izzyminx Holiday Homes fully equipped with everything you overlooking Exmoor National Park. 3 Quality en suite need for a quality holiday. Choice of: Seaview (2bed/2bath), bedrooms. Full central heating and log fires. Much farm Harbour House (4Bed/2bath) and Captain’s Lodge (4 produce used. B&B from £38 PPN optional EM £20 bed/2bath). All within short walk of beaches, shops and Tel: 01769 550262 Mob: 07793526260 Email: kerscott. Wales PEMBROKESHIRE - Cefn Du Holiday Cottages pubs in town centre. Doggies welcome. Join NARPO [email protected] Web www.devon-bandb.co.uk colleagues who already love it here in fabulous Fowey. For Pet friendly, Holiday Cottages and newly converted Barn, 4/5 star sleeping 2/8 with secure gardens set in 60 acres further information visit www.izzyminx.co.uk or Tel: 07813 ISLE OF WIGHT of beautiful countryside close to the Preseli Hills, the 890768 Retired Victorian railway station, nestled in the South of famous Pembrokeshire Coastal Walks and picturesque the island, converted into enchanting cottages sleeping towns of Cardigan and Carmarthen. NARPO Discount. CORNWALL – ST IVES up to 5+1. Large secluded gardens. Spectacular views Contact John Myatt Tel: 01239 831530, virtual video Detached 3 bedroom bungalow at Riviere Towans, Hayle, of surrounding countryside with bridle paths and fishing on www.cefnduholidaycottages.co.uk email: info@ 100 yards from long golden sandy beach. Large lounge nearby. Short breaks available. Pets welcome. View website cefnduholidaycottages.co.uk for further information and with TV/DVD. Kitchen with washer, dryer, fridge/freezer, for details: www.whitwellstation.co.uk 01983 730667 microwave. Separate dining area, Sky 51” 3D TV, Spa bath, brochure. patio, BBQ. Sleeps 5. Unlimited broadband. No pets or NORFOLK - WELLS-NEXT-THE-SEA South Wales – Holiday Lodge smokers. From £300 pw. www.cahayabintang.co.uk Tel: Choice of two stylish fully equipped Victorian Coastal The National Crime Officers Association are pleased to Christine or Fred 07840 761869 or 07853 106193 for Cottages – two/ three bed. Period features, wood burning offer their holiday lodge in a beautiful woodland estate booking and information pack. stoves, furnished to a high standard. Close to Quayside, near Amroth, South Wales to NARPO members at reduced shops, restaurants and beach. Harbour / meadow rates. Details of the lodge can be found at www.carslodge. COTSWOLDS – WATER PARKS views. Non smoking, pets welcome. NARPO discount. co.uk. Contact Dave Johnston Email; carslodge@ Privately owned – Fully equipped Lakeside chalet at Phone 07976 720022 or visit www.norfolkdreams.com Hoburne Holiday Park. 2 bed, sleeps 4+. On site: btinternet.com Mobile; 07920 781212 indoor/outdoor pool, bar/restaurant, play areas seasonal NORTHUMBERLAND entertainment all inclusive. Great location to tour/fish/ Coastal cottage, Beadnell. Sleeps 4. Bedrooms: main golf. Up To 30% discount on brochure prices for NARPO double bed, 2nd 4’ base, 3’ above bunk. Bathroom: Ireland WEST CORK colleagues. For info pack call07973639342 email: stu@ hb/wc/over bath shower. Lounge: twin settees, HD Beautiful West Cork. Homely and privately owned S/C mckie.co.uk website www.vaila.co.uk FreeviewTV/Video/DVD. Dining area: Fully equipped galley properties of quality. Outstanding beaches and scenery. kitchen, washer/dryer. French doors to enclosed garden. Discounted ferry packages, under occupancy reductions, CUMBRIA-KIRKBY LONSDALE Double drive. Non smokers. Tel: 07974 745624 email: detailed colour brochures with personal recommendations Superior cottage enjoying central location hidden [email protected] away in a peaceful courtyard. 3 bedrooms(1 en-suite), to restaurants, traditional music, walking and fishing. Accommodation from £175 per week. Chris and Kathy parking & garden. Newly renovated Chapel cottage NORTHUMBERLAND - Gateway to Brown 01778 571968 www.perfectirelandholiday.co.uk boasts oak beamed ceilings, & an open fireplace along Hadrian’s Wall with contemporary decorative design. Ideal base to Peaceful 2 bedroom cottage, sleeps max 4. All inclusive explore both Cumbria & The Dales. No smoking/pets. rates. Warm, cosy and comfortable. Well equipped. Oil Tel:07968504065 www.chapelcottagekirkbylonsdale.com central heating plus wood-burner. Rural situation near Cyprus & Greece CYPRUS – PERNERA – PROTARAS village of Greenhead with an excellent pub. Beautiful 2 BEDROOMED APARTMENT IN GOOD LOCATION. CUMBRIA – B & B Nr KENDAL SOUTH LAKES views. Pets welcome. Only 5 mins from Hadrian’s Wall. Sleeps 6 comfortably. Furnished to a high standard. Luxury, environmentally friendly 4* Silver awarded Bed Perfect for a relaxing or walking holiday. www.hadrianswall- Balcony and communal pool. 700m to beautiful beaches, and Breakfast, Situated in a peaceful, rural, wildlife haven. stanegatecottage.co.uk Tel: 01697747443 Egyptian cotton linen; Goose Duvets, heated bathroom good restaurants and bars. Car not essential. Airport pickup if required. www.apartment-joanne.co.uk Details: floors, pressurised showers and beautifully comfortable SHROPSHIRE Anne Mulligan 01942 832760 or mob: 07787428162 Email: beds. Using locally produced organic food and products to Luxury Pine Lodge on lovely quiet site close to Bridgnorth, [email protected] create imaginative dinners and breakfasts. www.west-barn. Ironbridge and other local attractions. Fully equipped, 3 com Tel: 01539 766335 bedrooms, 2 bathrooms, sleeps up to six in comfort. 2 parking spaces, No smoking, no pets or children under CUMBRIA - LAKE DISTRICT KESWICK 14. Contact Jane on: 01746 761622 or 0781 7244928. France BRITTANY Hazeldene Bed & Breakfast Accommodation. Superb Email: [email protected] See www.virtualshropshire. Renovated country farmhouse, two bedrooms, master en location convenient for town centre, Lake Derwentwater, co.uk/astbury Theatre and local walks. Clean comfortable spacious suite, second double plus single bed. Family bathroom, Living area, TV, wood burning stove and kitchen. Garden, en-suite bedrooms. Private Parking. Free Wi-Fi throughout. YORKSHIRE DALES BBQ, Excellent tourist base. Second two bedroom cottage Lovely views. See for yourself on our live webcams www. Recently refurbished two bedroomed self-catering cottage available nearby (sleeps 5). £250 - £550. Contact Chris hazeldene-hotel.co.uk email: [email protected] with panoramic views near to Hawes is the ideal location Smith [email protected] , 0033987878399 Tel: 017687 72106 to explore the Yorkshire Dales. SKY TV, Wi-Fi, heating/ or 07887744688. linen/towels included. Narpo discount. No smoking/pets. N / DEVON - ILFRACOMBE Website www.thecoachhousehawes.co.uk brochure LANGUEDOC SINGLE PERSON self-catering studio-flat; 250yds from telephone 01969 667375. harbour, within walking distance of amenities / attractions. 3 storey village house, double and twin bedrooms, sleeps 4, roof terrace. Well equipped, Village amenities near Fully fitted & equipped with en-suite facilities; TV / DVD / YORKSHIRE DALES Pezenas, Bezier, Canal Du Midi. 20 mins to Med coast. radio / linen / electricity & central heating included. £125 C16 cottage in Wensleydale, with beams and other original Montpellier, Carcassonne 1 hour, Spanish border 11/2 - £250pw. NARPO colleagues welcome. NO SMOKING / features, and log burner. Sleeps 4 in two bedrooms, one hours. From £43 daily. Contact 01825 763164. NARPO PETS Tel: 01271 866550 - E-mail: [email protected] double, one twin. Warm, cosy and comfortable. Village member location, ideal for walking. Well behaved dogs welcome. DEVON – OTTERY ST. MARY No smoking. 10% NARPO discount. 01954 202938 NORMANDY Garden Apartment bed and breakfast, sleeps 2 non [email protected] Website: www.lightfoothouse. Renovated stone cottage, two bedrooms en-suite. Situated smokers. Private Patio. Own entrance. Parking. TV/ co.uk in beautiful Normandy countryside, 5km from the town of DVD. Sorry no pets. Discount NARPO rate £55 per night – minimum 2 night booking. Additional property at Mortain. £250 to £350 per week. www.latourablere.com Kereven, Brittany. Visit www.gardenapartment.org.uk Tel: Alan & Isabel Hamilton Ward. Tel: 0116 2393081, e-mail: Scotland [email protected] 01404 815990/07921723695. Email: gardenapartment@ ISLE OF LUING, ARGYLL, SCOTLAND btinternet.com Delightful cottage overlooking the sea; sleeps 4, dogs welcome. Half hour from Oban. Quiet; ideal for walking, wildlife or just relaxing. Open fire, Sat.TV, fully equipped. No smokers. Run by NARPO member. Website: www. goluing.com email [email protected] or 07901 663798

NARPOnews - the voice of retired police officers 41

NORMANDY, DOMFRONT JAVEA, COSTA BLANCA. FLORIDA – DISNEY AREA Delightful Warm Cosy Cottage by King Henry II’s castle in Modern two bedroom apartment, balcony, roof terrace Spacious 4 bed 3 bath (2 en-suite) family villa in gated nearby Medieval Heaven. Five-star reviews. Just for two, and pool, 200 metres to beach. Short walk to Port community 15 minutes from Disney world. Private, furnished as a lovely home, self-catering, fully equipped, and Town. £320 to £395 per week. Wewbsite: www. screened, west facing pool, extended sundeck overlooking central heating, log fire, beautiful meadow, amazing xabiasurapartment.com Alan & Isabel Hamilton Ward. Tel: conservation area. 2 lounges with 42” flat screen HD views. Restaurants, bars, cafes. Contact: Graham and 0116 2393081, e-mail: [email protected] cable TV, video, DVD, PS2. Wireless internet access, Emily Swain. [email protected] 02392 COSTA CALIDA games room. Close to shops, golf, restaurants, from £540 712344 www.ourlovelyhomeinfrance.com Lovely 2 bedroomed penthouse apartment on Terrazas de p/w. Dave & Julie Hart Tel 01924 251132. la Torre golf resort, Overlooking large pool. The newest of www.hartsvilla.co.uk NORMANDY – MANCHE the Polaris resorts providing a wonderful location for great Three quality cottages set in peaceful Normandy holidays. Local attractions/beaches within easy reach. £150 GULF COAST – BRADENTON – SARASOTA countryside. Owl Barn (wheelchair access throughout) – 200 p.w. Contact details: www.ruseinthesun.net or Tim Fully equipped 4 bedroom villa that sleeps 8. Private south and Chestnut cottage, sleeps 4 Cherrytree Cottage sleeps on: 07834 371753 facing heated swimming pool overlooking nature reserve 10. Perfect for Atlantic beaches, D Day locations, Bayeux, and small lake. Beach, shops, restaurants and numerous Mont St Michel, Golf, cycling and Normandy sight-seeing. MENORCA golf courses nearby. Verizon FIOS HD TV package Visit: www.bonhom.com Contact: Alan or Liz Luxury villa with 3 air conditioned bedrooms sleeping 7. and WIFI. www.captivapalms.com Call: 07977 591926 on 0033 233 471498 One bedroom en-suite. Large secluded garden, with pool email: [email protected] for more information. and ample space for alfresco dining. Newly refurbished. SOUTH OF FRANCE 200 metres from the sea. References available and FLORIDA - GOLF/DISNEY Inland from the Mediterranean resort of Agde and within discount for NARPO members. Tel: 0208 449 7049 email 4 Bedroom, 3 Bathroom villa, 2 en-suite, sleeps 10. Two the conservation area of the Chateau De Margon. Lovely [email protected] lounges, dining and breakfast rooms. Screened pool and gite which sleeps 5/6 in 3 bedrooms plus 1 bathroom and deck overlook fairway. Flat screen TV’s. Phone, Cable Tv additional WC. Private gardens and pool. Satellite TV and Canary Islands And Madeira and Wifi. Gated golf community. On site security. Club free wi-fi’. Contact: [email protected] or Tenerife – Costa Del Silencio house/sports bar. From £450 per week. Contact NARPO 01584 875831. One bedroom apartment Costa Sol complex close to member on 01625530043. Email: [email protected] sea. Quiet area with all amenities. 2 exclusive pools, Website: www.Bythefairway.com free unlimited WiFi, Smart TV, UK TV channels, washing Italy machine and iron/ironing board. Balcony complete with ORLANDO - FLORIDA CENTRAL ITALY furniture. Email [email protected] – website www. Heron’s Flight. Luxury 4 bedroom villa – private, heated Spacious quiet Country house within 6ha land in clearbluewater.info pool. Sleeps up to 10. Quiet setting overlooking lake – 15 unique Marche-landscape. Perfect for children, parents, minutes to Disneyworld. Close to golf courses, shops grandparents, pets. Large swimming pool, open fireplaces, LANZAROTE – COSTA TEGUISE and restaurants. Internet access and free international terrace, 6km to seaside, fully equipped. 3 apartments (all Luxury one bedroom bungalow on quiet beachfront resort telephone calls. Special NARPO prices start from £350 per combinable) from £480pcw. Fly Ancona Airport 45min. with 3 pools. Equipped with full kitchen, sat TV, WiFi, fans week. Visit our website www.rentspringlakes.co.uk Tel/Fax: www.rospina.eu or call Aaron Jakob +43 699 17448800, and safe. Restaurants, bars & shops nearby. 120 metres 01423 322564, email: [email protected] email: [email protected] from beach. Tel: 01452 611873 SIESTA KEY – SARASOTA TUSCANY TENERIFE – COSTA DEL SILENCIO On the beach, wonderful views, spectacular sunsets. Stylish, Rustic and Romantic Medieval Village House Seafront apartment. One bed frontline seafront apartment, Luxury apartment, leather furnishings, fully air conditioned. situated in the foothills of the Tuscan mountain’s. Stunning (sleeps 4). Atlantic View complex, quiet area, Costa Del 2 bedrooms, 2 baths, fully fitted kitchen, linens and towels, location with breath-taking panoramic views. Near Pisa, Silencio, English TV, washing machine. 2 Pools. Checkout: beach equipment. Cable TV, video-DVD library and games. Florence and Lucca. Sleeps up to 6 people, but also great www.atlanticview.info for pictures, information and Heated pool, shuffleboard. Safe swimming, great fishing, for couples. NARPO discount. Phone 07976 720022 or availability. £225 per week. Tel: 01278 760865 or email: golf over 40 courses nearby. Tel: Geoff 01262 670417, visit www.tuscanlife.eu [email protected] email: [email protected] web: www.geoffs-place.com TUSCANY MADEIRA – FUNCHAL 4 Beautiful Villas set in 10 acres of picturesque Apennine Luxury 1 bedroom (king size bed), 5th floor sea view Mountains. Suit couples or families. Stunning views of apartment. Fully equipped with many extras. 2 balconies. West Indies castle where Michelangelo was born. Heated salt water Lift. Private Parking. 5 minutes from harbour 10 from town BARBADOS pool, Medieval Towns to explore, great local restaurants, centre. From £395 per week. Longer stays negotiable. Exclusive West Coast, St James. Spacious one bedroom peace and tranquility. NARPO Discount. No Smoking. Temperature sub tropical all year. Tel: 01227 apartment in private complex; tropical gardens, large pool. www.villaditoscana.com Tel. 0785 122 0540 UK email 794077. Email: [email protected] or www. Beaches, shops, restaurants nearby. Ideal self catering or [email protected] luxurymadeiraapartment.com dining out. Details including flights from Roy Guy, Lancs/ GMP, 01423 503054, or email [email protected] Portugal North America ALGARVE- LAGOS CENTRAL FLORIDA Rest Of World Luxury Apartment, close to Meia Prai Beach. 2 en-suite Elegant and spacious re-furbished 4 bed-roomed home, in SOUTH AFRICA - Kruger National Park bedrooms, beautifully furnished, fully equipped kitchen, gated community. Centrally located, 20 mins from Disney. Guesthouse close to the KNP. Secure accommodation on huge south-facing balcony, fabulous sea views, short walk Private screened pool, multi-gym Facilities available. Full an African Wildlife Estate. Ideal base for ‘self drive’ or one of to Marina and town centre, car not necessary. Also luxury Wi-Fi, cable TV and telephone. From £450 p.w. Please see our ‘All Inclusive Escorted Safari Tours’. Resident owner, ex 4 bed villa with pool same area. Tel 01743 358772 mobile website for further info and photos. www.davenport-house. Avon & Somerset. visit www.knobthornhouse.com contact 07854 614450, email: [email protected] us.com Tim and Karen Young. Tel: 01905 354786 or tim. [email protected] [email protected] ALGARVE – LAGOS Table View, Cape Town – SOUTH AFRICA Our apartment “Ahoy”’ is no longer available for rental, as DISNEYWORLD – FLORIDA Fully equipped two bedroomed bungalow, one twin/ we will be using it ourselves having sold our villa. May we Luxury 4 bedroom, (2 en-suite), 3 bathroom villa with 2 one double, on gated community with private garden/ thank all past clients for choosing ourselves. lounge areas. 30ft lagoon shaped west facing pool and patio areas. Easy access to Cape Town centre, Table sundeck, surrounded by privacy hedge and overlooking Mountain, local shops and beaches, wineries and beautiful open area. Games room, internet, six cable TV’s etc. From countryside. From £250.00 pw. For more information or Spain £495 per week. NARPO member 01531 651723/ 07973 to book contact Clint or Angie:- Telephone 01457878434 COSTA BLANCA: PANORAMAGOLF, 391431 for details, www.woodvillevilla.com for VIDEO tour or [email protected] Website: www. VILLAMARTIN with commentary. Email: [email protected] ourcapetownhome.co.uk Family or golfing holidays. Ground floor apartment: Sleeps6, 2bedrooms. 2bathrooms, fully equipped. T/V. DISNEY - FLORIDA Garden. Communal Pool. Restaurants, bars walking Luxury 4 bedroom, (2 en suite), 3 bathroom villa, sleeps distance. Beaches and golf courses nearby. Airport 8, in quiet gated community overlooking lake. Centrally Narpo News And Website transfers and Reduced green fees arranged. From £160 located, 15 minutes from Disney, private heated, screened If you wish to have an advert included in all four per week. [email protected] pool, games room, full WiFi, computer, cable TV and 2014 editions of NARPO News, which is delivered telephone. From £425 pw Contact Mark & Cath Smith on: direct to the homes of over 80,000 members and COSTA DEL SOL – BENALMADENA & [email protected] or 07557441961 Web: www. included on our website, please send details of CALAHONDA silversmith414.com the ad [40 words maximum, excluding contact Enjoy seven nights in beautiful fully equipped self-catering details] together with a cheque for £200 to us at apartment sleeping four in frontline beach resort in FLORIDA – DISNEY NARPO House. Please make cheques payable to Benalmadena Costa or lovely spacious sleep six apartment Luxury spacious 4 bed 2 bath villa. Beautifully furnished. NARPO. Payment can now be made direct into in Calahonda from just £129 per week. Website:www. Large private heated pool. Not overlooked.6 miles our Bank Account using the following details: holidayoffersinspain.com Tel: 0034952444327 from Disney. Near to all shops/restaurants/tennis/golf. Sort Code: 08-60-01 Account No: 20263843. Email: [email protected] Accommodates 10. Fully equipped plus high chair/cot/ Please send advert and payment details by stroller. Flat screen hd tvs/dvd free telephone/ wi-fi From email to [email protected] £400 pw. Tel/Fax 0151-726-0943 frnk.thompson@gmail. com. www.thompsonsfloridavilla.com. Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166 42 narponews NARPO Private Medical Insurance Scheme Special Offer - FREE month for new moratorium joiners in March

As the NARPO group private healthcare There is no qualifying period before claiming, We would also point out that the scheme is scheme enters its seventh year, it continues to however, an excess of £100 per person per only available to our members who are resident prove hugely popular with members. NARPO year is payable in the event of making a claim. in the United Kingdom. The scheme is not members have the opportunity to avail of an available to members who permanently live affordable healthcare scheme with a first class Moratorium underwriting terms have outside the UK. healthcare insurance provider, and if they join proven to be particularly good value for with moratorium underwriting terms, at the members joining the scheme, and AXA Worldwide travel cover is available as an beginning of March 2014, they will get one PPP healthcare are now offering a special optional extra to the healthcare scheme. A full month’s free cover. deal of ONE MONTH FREE for all NEW list of benefits can be obtained on request. members joining on 01 March 2014 with There is no age limit, and medical history is Many of you are already aware that NARPO has two year moratorium underwriting terms. disregarded for the purposes of travel cover. teamed up with THIG – The Health Insurance Trips can be up to 65 days duration, and Group - and AXA PPP healthcare, to offer The two year moratorium ensures that thmaximum time abroad in any insurance year NARPO members the opportunity to join a new conditions that occur after a member is 183 days. group private medical insurance scheme, set joins the scheme are covered immediately. up exclusively for NARPO members and their Conditions that occurred more than five years dependents. prior to a member joining the scheme will Single Married also be covered immediately, provided that 50 £47.19 £88.77 In the current economic climate, the NHS faces the condition has completely cleared – no 51 £48.69 £91.63 even greater challenges than ever before, symptoms, no medication, no advice, and 52 £50.30 £94.66 particularly with cleanliness, waiting lists, and no treatment, during the previous five years. 53 £51.87 £97.66 the non-availability of certain key drugs and However, conditions that occurred during 54 £53.57 £100.89 treatments. NARPO realised that many of the five years prior to joining the scheme 55 £55.30 £104.17 our members would value the peace of mind are subject to a two year qualifying period, 56 £57.65 £108.63 that an affordable group private healthcare or moratorium, and will be covered two 57 £60.09 £113.29 years after joining the scheme, provided scheme offers. Our exclusive healthcare 58 £62.67 £118.17 scheme presents an opportunity for all NARPO the two year qualifying period is clear of any 59 £65.29 £123.15 members to avail of an excellent package of symptoms, treatment free, and with no advice 60 £69.10 £130.39 benefits, at very competitive rates, with one of or medication. the market leaders in the healthcare sector. 61 £72.59 £137.03 Please note that this offer does not apply 62 £75.90 £143.30 AXA PPP healthcare has almost 70 years of to existing members of the scheme, or 63 £79.27 £149.70 experience helping people to secure healthcare new members joining with Medical History 64 £82.81 £156.43 cover, making them one of the longest Disregarded terms, or on Switch terms 65 £86.50 £163.46 established medical insurers in the UK. They from another insurer. 66 £90.40 £170.86 are also one of the largest. They look after the 67 £94.48 £178.61 healthcare insurance needs of over 2 million Benefits are subject to the terms and conditions 68 £98.72 £186.68 customers in the UK and abroad, and last year pertaining to the policy, which will be provided 69 £103.19 £195.15 paid out more than £700 million in healthcare to all applicants. 70 £107.86 £204.02 benefits. 71 £112.72 £213.27 There is a No Claims Discount mechanism built 72 £117.81 £222.95 The scheme has been arranged through THIG in to the scheme, to ensure that members who 73 £124.09 £234.87 - The Health Insurance Group, who are one of do not make claims are rewarded with very 74 £130.57 £247.19 the leading independent specialist healthcare stable premiums at renewal each year, which 75 £137.38 £260.13 insurance intermediaries in the UK, and who are unaffected by the claims of other members 76 £144.59 £273.81 are authorised and regulated by the Financial of the scheme. 77 £152.15 £288.19 Services Authority (FSA). THIG has abundant 78 £160.02 £303.15 experience of arranging healthcare insurance Members can join the scheme at the beginning 79 £168.31 £318.88 cover within the police family in the UK, and we of any month, and the scheme renews on 01 80+ £177.02 £335.45 are delighted with the terms and conditions that March each year. THIG have negotiated on behalf of NARPO with AXA PPP healthcare. For more details about the Members can benefit from: • Full private in-patient cover NARPO Healthcare Scheme: • Full cover for day-patient procedures • £1000 per person per year for private consultations, tests and out-patient treatment Freephone 0800 112 4815 • MRI/PET/CT scans covered in full (Lines open 9 – 5 Mon – Friday, calls may be recorded) • Private cancer cover • Optional world wide travel cover Or visit - www.healthinsurancegroup.co.uk/narpo

NARPOnews - the voice of retired police officers 43 78

...NOW over 1,000 cars on line to choose from and ready for delivery. Win £75 M&S Vouchers - How to enter: Get your thinking cap on, complete the crossword and send it (or a photocopy) to: Time-out Puzzle, NARPO News, 38 Bond Street, Wakefield, West Yorkshire WF1 2QP by 16th May, with your name, address and membership number.

Across 12345678 1. One of the four major railways created by the “grouping” in 1923. (8,7)

9. Oval shape created by an oblique section of a cone, (7) 9 10 11 12 13 14 12. Artist’s studio. (7) 15. Tale teller. (5) 15 16 16. “Ye high, exalted, virtuous -----” (Burns) (5) 17. Pop at Uncle’s. (4) 17 18 19 18. In need of rest. (5) 19. It’s active on the Mediterranean’s largest island. (4) 20. River rising in Sussex, reaching the sea at Rye Bay. (6) 20 21 22 23 24 22. Pronounce a word starting with the sound of the letter “h” (8) 25. Important railway junction in the northwest. (8)

27. Pass. (6) 25 26 27 28 30. Poisonous Indonesian tree. (4) 33. What all reporters want? (5) 29 35. A major river used in part as a Germany/Poland border. (4) 30 31 32 33 34 35 36. A wood and hide dwelling for Plains Indians. (5) 38. Friend of Thumper? (5) 36 37 38 39 40. “------two worlds life hovers” (Byron) (7) 41. Dots for reading. (7) 40 41 42. Proposals. (15)

Down 42 1. Somnolent rail support. (7) 2. Lake in northern England. (9) 25. Largest breed of spaniel. (7) 3. What was left in Pandora’s box (4) 26. Like having your own ------to print money 4. “Auld ------”, the Athens of the North. (6) (Roy Thomson, Newspaper baron) (7) 5. University lecturers. (6) 28. Small towers at corners of castles (7) 6. The same, as in i.e. (4) 29. Violently deprived of property. (6) 7. Quiet name for an indoor game, (5) 31. Of Athens, classical in taste. (5) 8. A length obtained by an imperial measurement. (7) 32. What Curly Locks was to do while sat on 10. “For the world, I count it not an ---” (Browne ,Religio Medict) (3) a cushion. (nursery rhyme) (3) 11. Used a chair. (3) 33. Perceive. (3) 13. Small amount. (3) 34. Birdie plus one. (3) 14. Confederate Army General. (3) 35. Sash for a kimono. (3) 21. Title of an Abyssinian prince. (3) 37. Hairdo. (4) 23. Nickname of a Dickens hero. (3) 39. Beech fruit. (4) 24. Armoured South American insectivore. (9)

Name: ...... Membership No.: ...... Telephone No.: ......

Address: ......

...... Postcode: ...... Crossword solution for issue 77 Across Down Crossword 1. Jam and Jerusalem 9. Colonel 1. Jackson 2. Malic 3. Nonentity 4. Jill Winner 10. Bradman 11. Second 13. Chrono 5. Ruby 6. Smash 7. Limbo 8. Monsoon Congratulations to Winner 15. Mona 16. Negligee 18. Deacon 12. Toe 13. Cad 14. Ria 15. Men 17. Exe Paul Flatman, Stevenage 22. Zephyr 25. Tripping 27. Ache 28. Albert 19. Euphrates 20. Own 21. Ore 22. Zealots for winning our ‘Time Out Puzzle’ 31. Draper 34. Oranges 36. Extract 37. See 23. Hie 24. Rat 25. The Sword In The Stone in the last issue. 25 Down 26. Garotte 29. Bravo 30. Rigid 32. Plato 33. A Son 34. Mesh Visit our website at www.narpo.org • Email [email protected] • Telephone 01924 362 166