AUGUST 2018 | ISSUE 95

NARPO NEWS THE MAGAZINE OF THE NATIONAL ASSOCIATION OF RETIRED POLICE OFFICERS

LEISURE after the POLICE

Benefits update

An intergenerational contract

LIFE: WORK: LEISURE: Member News Finding the Right Role A trip to Vienna

NARPO NEWS Email: [email protected] Website: www.narpo.org 1 AUGUST 2018 | ISSUE 95 Take a break with the Contents ON THE inside LIFE after the Police WORK after the Police LEISURE after the Police

Metfriendly Lump Sum ISA Contents SOMETHING TO SHOUT ABOUT: IT’S A REGULAR THING: You’ve worked hard to earn your savings. So shouldn’t you be able to sit back, relax The Chief’s Briefs 5 and watch them generate a healthy A birthday bonus Welcome note return? Our Metfriendly Lump Sum stocks 10 Readers’ Letters 6 and shares ISA has the potential to do This year we’re marking our 125th anniversary. As part of the celebrations, exactly that. For example, an investment Welcome to our 95th President’s Review made with us 10 years ago and cashed in when you invest more than £10,000 edition of NARPOnews 9 (or transfer £2,000 from another ISA NARPO News on 1 January 2018 would have delivered We’ve made some changes to an average annual growth of 5.3%*. provider) you’ll earn an extra 1.25% the look and feel of the magazine General News 12 bonus. T&C’s apply – see our website which we hope you will enjoy. We Here are 3 great reasons to invest for details. always appreciate any feedback on the magazine so please do Intergenerational Issue 16 in our Lump Sum ISA continue to send in your views and 23 contributions. • Earn an annual bonus as well as a final Benefits Update 20 bonus when you withdraw your money In this issue we are providing a few (after at least 3 years) ideas on how to make the most Police and the Computer Know How • Save up to £20,000 tax-free of your new-found leisure time. Suffragettes 29 Whether it’s taking up a new hobby • Your spouse or partner can also apply, or embarking on a travel adventure. Westminster Corner so you can both save tax-free and earn 33 bonuses Opinions expressed by authors and services offered by advertisers are not specifically endorsed 37 by the Association. Leisure after the Police 35 Applying for our Lump Sum ISA couldn’t The Editor reserves the right to refuse or withdraw advertisements at his discretion and be easier. ...and does not accept liability for clerical or printer’s errors, although every care is taken to avoid Work After the Police 41 Go to www.metfriendly.org.uk/RELAXN mistakes. Advertisements in NARPOnews are Wellbeing During relax accepted by the National Association of Retired Retirement For more information visit our website or Police Officers only on the understanding that the advertisers warrant that the advertisements do Book’em 45 call us on 01689891454 not contravene the Trade Description Act 1968, the Sex Discrimination Act 1975 and the Business Remember to quote promo code RELAXN 5.3% Advertisements (Disclosure) Order of 1997 and average annual conform to the British Code of Advertising Practice. What’s your Tipple 46 growth over the Articles contributed by the editorial staff may not 49 last 10 years* be reproduced without permission in writing from The Editor. NARPO News is published by The National Holiday Lettings 50 Association of Retired Police Officers (NARPO). NARPO News is delivered to you as part of a package of NARPO membership benefits, including A Visit to Vienna goods and services we offer when you join and Time Out Puzzle 55 continue to be a Member. How we do this, and process your personal information, is contained in our Privacy Policy, which is available at www. narpo.org. You can also request a hard copy from Mailing info NARPO HQ. It is important that you notify NARPO HQ of any changes to your address as soon as possible. For further information about NARPO, its Please quote your membership number which is printed above your name on the envelope in which Authorised by the Prudential Regulation Authority and regulated by the Financial services, branches and approved advertisers, NARPO News is delivered. Please telephone 01924 362 166 Conduct Authority and the Prudential Regulation Authority. Incorporated under please visit our website at www.narpo.org the Friendly Societies Act 1992 and registered in the UK No. 496F To facilitate a prompt reply when contacting NARPO House, 38 Bond Street, Wak­efield, West Yorkshire WF1 2QP the office by email, please quote your membership number. Tel: 01924 362166 Email: Website: Designed & Produced by © Wilson Design House 2018. [email protected] www.narpo.org *Past performance is not a guide to future returns. www.wilsondesignhouse.com 2 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 3

CQ Metfriendly Lump Sum NARPO Ad A4.indd 1 Force and who have met the minimum service, age or ill health requirements that would entitle them to a police pension; and who have not been dismissed or required to resign from a police force by reason of misconduct, to join this fantastic Association Contents as a Full Member. The police pension does not have to be in payment to join NARPO. This change will I hope encourage Branches to recruit members from The underrepresented groups, such as former Women Police Officers, many of whom

were effectively forced out of the service Briefs The Chief’s once they became pregnant and will allow them to take a full and active part in Branch CHIEF’S business by becoming Full Members of the Association. Just because they didn’t serve their ‘full’ time shouldn’t mean they cannot become Full Members of the Association. Independent Financial Advice Briefs These new Rules also future proof continued recruitment to the Association, particularly when you bear in mind the new Exclusive offer for NARPO members Police Pension Scheme which now means As I write this column the sun is beating down and the World that officers will have to work 35 years before Cup has just finished with England doing remarkably well but not retiring on a full pension and consequently reaching the final which is lucky for me because I foolishly told as a result of the pension being much more Are you thinking about releasing funds from the equity in your home? ‘portable’, it will inevitably mean that more my 19-year-old son that if England got to the final we would go! and more officers will be leaving the service to pursue other employment. It’s a bit like musical chairs in they were still formulating their approach. I Clear evidence already exists that shows Government at the moment with both have since followed this up with a letter to Raising funds from your home using Equity Release could be one of the most important decisions you make in the average age of recruits is increasing David Davis and Boris Johnson resigning the Home Office, I still await their response your life. Our advisors have been advising NARPO members for many years and in recent years have arranged and the number of those leaving the service from their roles as Secretary of State for with bated breath! a substantial number of Equity Release plans. early is also increasing significantly. If we Exiting the European Union and Foreign This situation has been further do not address some of these issues by Secretary respectively. They are both key compounded by a ruling in the Supreme We only recommend plans covered by the Equity Release Council (ERC) and we never use pressurised selling recruiting members from these groups, then Brexiteers and it remains to be seen what Court in June 2018, where the court ruled over time our membership numbers will techniques. effect that has on our withdrawal from the that the Civil Partnership Act 2004, which start flattening out and then start declining European Union. We continue to meet only applies to same-sex couples, is as the pool of potential members reduces. We can help you decide if equity release is right for you with MP’s and Parliamentarians to try and incompatible with the European Convention ensure that the rights of our members living on Human Rights. Member services For something as important as Equity Release we will always fully review your financial circumstances to make sure in EU countries, particularly in relation to The judgement does not oblige NARPO have now teamed up with we fully understand your objectives and the options available to you before making a recommendation to proceed. pensions are protected. government to change the law, although it Langleys Solicitors who will provide advice and support to all NARPO members and Survivor Pension Benefits does make it more likely that the government will now act and extend civil partnerships they also offer a free initial consultation and We only make a charge if you go ahead with the plan. Our fee is £675 upon completion of the plan. We will also be The Government has finally responded to heterosexual couples, which would discounted rates. Visit their main website at paid a commission from the provider in addition to the fee we have charged you and this will always be disclosed to last year’s Supreme Court ruling on equal potentially lead to a further extension www.langleys.com on the keyfacts illustration. pension benefits for same-sex partners in of pension benefits to those unmarried Home Property Lawyers are offering the event of a scheme member’s death. heterosexual couples who have formed a NARPO members a 10% discount against This is a Lifetime Mortgage or a Home Reversion plan. In order that you understand the features and risks, we will The Supreme Court judgment in Walker v civil partnership. In a civil partnership, a their conveyancing fee, so if you are Innospec ended the ability of pension schemes always provide a personalised illustration following consultation. couple is entitled to the same legal treatment planning to sell, buy or remortgage a to restrict benefits for same sex partners to in terms of inheritance, tax, pensions and property, give them a call on 01522 503510 service since 5 December 2005, the date that The Financial Conduct Authority does not regulate tax advice. next-of-kin arrangements as marriage. I or go to narpo.homepropertylawyers.com the Civil Partnership Act took effect. urge the government to make this change Gordon Brown Law Firm provide straight CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME The judgment also required pension at the earliest opportunity and stop this forward advice, getting the job done in schemes to provide equal benefits to both OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE. inequality now and ensure that all survivors the most cost effective and efficient way. civil partners and same-sex spouses. have equal rights and receive pension Central to their ethos is the best possible Since the ruling last July, the Treasury benefits commensurate with the pension service levels. GBLF have created a has been considering the implications for contributions made by their loved one. number of special offers and packages public service pension schemes, including Future Membership for NARPO members including Buying Police Pension schemes and Selling Properties, Wills and Lasting A recent Government Actuaries report The Treasury finally wrote to these Powers of Attorney. revealed that in March 2016 there were To find out more about Equity Release and schemes in March this year setting out the Griffin Tax Free Motoring have a 152,030 police pensions in payment in policy approach they should take. fantastic range of new vehicles at book a FREE no-obligation appointment with England and Wales, of which 23,686 were The letters instructed public service discounted rates for NARPO members, see dependants’ pensions. This will more pension schemes to make changes to their advert later in the magazine. one of our professional advisors call us on: than likely have increased since then so We’re open from their processes and rules in order to we have a large resource of ‘untapped’ Call 0345 600 8996 9am – 5pm Mon – Fri provide equal benefits for civil partners members to recruit as NARPO members, and same-sex spouses and the schemes so please if you know other retired officers were asked to provide further information encourage them to join and take advantage on their approach and the timescales for of the many services and benefits available. Police Mutual Assurance Society Limited (PMAS) is an incorporated friendly society. Police Mutual Advisory Limited is a wholly owned subsidiary of PMAS registered in England & Wales No. implementation in due course. The new rules introduced at Conference 4560462. Registered office of each company is Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Calls may be recorded and monitored for training and quality purposes. Calls I recently raised this matter with the to 03 numbers usually cost no more than to geographic numbers (01 or 02) and are usually included in call packages, please check with your phone company if they are included in your package. last year also now allow all those former Steve Edwards Home Office at the Pension Scheme police officers who have served in a Police Advisory Board and the response was that - THE CHIEF EXECUTIVE IFA00053 0416 4 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 5 Several readers Readers’ Letters Readers’ have been in touch to say although I’m not sure about this if our claim Inner Wheel Emigrating advice that their local council does had been far higher. not recycle polythene. Thank you for so much for printing the I have just received my February, 2018 ‘‘ letter from Hannah - District 5, in the May I write this not as a complaint against the copy of Narpo News. I read with interest

An alternative suggestion, edition. Inner wheel is not just for the retired. NARPO policy, which is in other regards, on the Benefits Update page about the is to recycle the plastic I am the wife of a retired police officer PC excellent. I am just concerned that other 3% increase in state benefits. I write to

envelope in the carrier bag 434 John BELCHER. He became a Rotarian members may not be aware of this gap in forewarn members who are in the process Johnletters Arlott - Cricket some of my colleagues when I say this, but it recycling bins that can be in 1989 having been taken to a meeting by a their cover. of, or contemplating emigrating to one should really just be a Memorial to the dog. commentator extraordinaire found in most supermarkets. ‘‘ fellow police officer. A year later I joined the of the former Commonwealth Countries. Letters Readers’ Or, include a female officer in the statue. NARPOnews is also Inner Wheel Club of Luton Chiltern. When we Dennis Gittins Cheshire Canada, where I now live, Australia, I recently attended a one man show, I do think at times society can be a little available online at www. moved away, we then found new friends in Merseyside branch New Zealand, South Africa to join family featuring the legendary Test Match Special too over sensitive when we discuss equality, narpo.org a few weeks the clubs at Newport Pagnell, District 26. We already there, or simply a wish to move. Cricket commentator Henry Calthorpe were both working but still carried on in the 2 Although your police pension is safe and and I don’t normally get my tracking line in a after publication. Skills for the Future Blofeld [Blowers!] at the Stafford Gate twist about it. But I think it would be a huge organisation when we both retired. increased annually, your old age pension I served almost thirty years in the police House Theatre. discredit to the service of all handlers to just will be frozen on the first day you move, I agree in everything Hannah has said, we service, mostly in traffic. As a result, I had show a male officer. even though you have contributed the During the evening he referred fondly both have over 25 years of fun friendship the privilege of working alongside some of full amount for your working life. Move to two of the greatest English cricket and service within this organisation. We the finest of the finest. I very much knew Simon Allen across the border to the USA however, commentators of all time. Namely Brian container plastics. Online advice is to cut recommend it to anyone who is looking for a that they would be there for me, as I was for Nova Scotia, Canada or Israel or Bosnia you will be indexed. Johnstone and John Arlott and re-counted them off carefully and reuse as a smaller new challenge. them. Leaving the service was a wrench, London branch The aggravating thing is this, amongst all some of their antics in the Commentary envelope. but I knew where I was going and what life Boxes around the world. We send greetings to all members of the countries that are indexed is any EU would give. country, post Brexit those members living Hearing Star I think the time has come for members to NARPO who are in Rotary or Inner wheel. A few weeks after the event I came across opt for an online version of the magazine if (including Hannah) Good luck in all your Mind you, I never realised how much in the EU now will no longer be in the a small article specifically concerning John Like many other retired police officers, they want to and/or change the packaging. fundraising and community work. the police training, service and various EU, but, they will continue to be indexed, Arlott. I was surprised to find that as well as I have recently made use of the services there is then absolutely no reason why the Best wishes to all at your ‘’so helpful’’ courses had equipped me for the next role! his commentating career he had been an provided by Hearing Star. I can only Paul Westley UK cannot treat all overseas pensioners magazine. I have now been a Church minister for opening batsman for the Hampshire Cricket reiterate the positive feedback printed in Northampton branch thirty-three years and can say without any the same. It does not even need an act Club more than 70 years ago. the NARPO magazine in regards to this doubt, I could not have been the minister of parliament, it is just a signature on Valerie Belcher (Mrs) the annual uprating document. Anyway, Even more surprisingly was the fact that organisation. I am without all those years in the blues. I Group Insurance Policy forewarned is forearmed. in 1934 at the age of 20 years, he joined have served West Indian Churches, Street The two co owners of Hearing Star, Kevin Hampshire Constabulary, rising to the Due to changes in my health and a NARPO Travel Insurance People Missions and suburban Churches. and Maria should be congratulated on change of age groups for both my wife and Peter Sullivan Ontario, Canada rank of Detective Sergeant. He apparently I would like to add further to the recent In all of them, I have realised just how much providing such a remarkable service, in a I, I decided to check the Group Insurance Bury & District branch served 11 years in the Police, during which debate on NARPO Travel Insurance. the police service gives you for the future, personalised manner. Policy for retired members. I was obviously time he developed the unusual art of writing A couple of years back, whilst holidaying especially with dealing with the highest and aware that as one gets older the benefits poetry and writing programmes freelance in Guernsey, my wife injured her foot, the normal of our society. Bob Hulse become less; as is the nature of insurance Disabled Rail Card for the BBC. incurring medical costs of just under £400. Bottesford, Leicester policies; and the following came to my I have been a police Chaplain to both On claiming, we were advised by AXA that As quoted by John Brown from Blackpool, His literary skills led him to employment Leicestershire branch attention. the Metropolitan and Kent Police and in Narpo News May 2018, I read with interest as a Cricket Correspondent and wine writer they considered the Channel Islands as a am saddened by the low morale that is his letter regarding the disabled railcard. My for publications that included the Guardian, The deductions from my pensionable part of the UK, and therefore there was no presently within the service, especially as Car Insurance Quote husband also has one of these and has on London’s Evening News and Kitchen pay have increased on the annual basis in cover under the policy for medical costs. I received so much from it! I always wear In April I received my car insurance quote December of each year but as of February many occasions not been charged for his travel Choice. He also wrote or co-wrote several We argued that, yes, the Channel my medal ribbons, was it twenty-two years from Police Mutual who I have house & car this year my wife reached the age where she companion. Some clerks class this person as books, notably on cricket-- Arlott on Cricket, Islands were part of the UK in some ways, of undiscovered crime, on my cassock and insured with. I got a shock how much the receives no benefits whatsoever from the ‘the carer’ and in fact travel free. This is usually The Noblest Game-- as well as guides to but not for medical matters. Each island it is interesting the remarks it brings from price had increased considering I have had policy other than Roadside Assistance whilst on journeys wirhin the Yorkshire boundaries, food and wine. runs it’s own scheme for residents, for people as I travel around. the same model of car insured with them for I am a member. ie south, north and west Yorkshire. (As this which the mainland UK has sometimes He was elected President of the Cricketer a number of years. Probably the greatest privilege I receive is where we reside) As stated by John Brown Association in 1968 and received the OBE I noted that full deductions were still being had a “reciprocal agreement” in place. is to officiate at the funeral service for both all other journeys benefit from a generous in 1969 for services to cricket. He became I started to get some quotes and found taken from my pension for the insurance These arrangements allow visitors from serving and retired officers, but it does 1/3 discount, but it is worth checking when known as the voice of cricket and served as a leading company who advertise on the policy. I had assumed, quite wrongly, that the the mainland to be treated as a resident, bring back some memories when you purchasing tickets as not all rail staff are up a commentator for the BBC from 1946 until television £136.30 cheaper than Police pensions/pay department would be aware of although this is not totally free, as at home. stand by a coffin and realise that you and to date with discounts. The reason being, my Mutual / Narpo policy. my wife’s age as a nominated beneficiary of his retirement from that position in 1980. At the time of our claim there was he raced around on my beloved Triumph husband had been traveling to and from York the insurance policy, I queried the deduction I was even more shocked that the advert nothing in place, although at my last check, motorcycles. I can never ever repay what for a full year, when one of the staff informed John Arlott died in 1991 at the age of 77 to find that a member must notify any in the NARPO magazine this month quotes a reciprocal agreement was in force with I received from the police service but one him he was entitled to 50% discount on rail years. changes of the age to partners or spouse in GREAT VALUE I think not. Guernsey. thing I am sure of, it really made me the travel, after noticing he had a card from social order to stop the necessary deductions. Church minister I am today. care which is linked to the disabled railcard. My Mark Judson However, agreement or not, a NARPO R M Coverdale MBE (Mick) I strongly advise that all members of a advice, always check, it costs nothing to ask Chairman Staffordshire NARPO and NEC member would still be left without cover Ex Durham & Cleveland certain age check their payroll deductions for Revd. John L Lines MBE and you may be surprised. Representative for Number 3 Region. for having to be repatriated should they be Cleveland branch Group Insurance and advise their respective London Branch seriously ill or worse. Considerable cost payroll departments at the earliest. My local Sheila Looker Doncaster Branch K9 Memorial would be incurred. Plastic Concern department will not refund any overpaid As a retired police officer (TVP/ MET amounts but will stop future deductions for It would appear that I could travel to 1984 - 2010 ), some of which was a Dog Plastic Envelopes that part relating to my wife. In my case it many a far flung destination under this handler with TVP, I am very pleased to see I echo the letter from Doug Smith about was only two months but I am sure there policy and rack up quite substantial info the incentive to create a K9 memorial. I the plastic envelopes used by NARPO to must be other members, who like me are not medical costs, but it won’t cover me for the You can post your letters to: Readers’ Letters. recall seeing a similar one in the USA many send out NARPO News. I note the CEO receiving pay slips in the post any longer, Channel Islands. I did check last year and NARPO House, 38 Bond Street, Wakefield,­ West Yorkshire WF1 2QP. have forgotten. years ago outside the Police hall of fame. (Steve Edwards) has stated the plastic nothing had changed. Or by email to [email protected] envelopes are recyclable (although not The only observation I would have, and It’s fair to point out that AXA did marked as such) but try telling that to my David Stearn Written communications for publication are reproduced at I am sure there will be some eyes rolled by eventually make us an “ex gratia” payment, borough council who only recycle hard food Cambridgeshire branch NARPO’s discretion and may be subject to editing for print purposes. 6 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 7 SUMMER SALE SAVE SAVE 25% + VAT FREE “Better than a new roof at a fraction of the cost!” President’s BEFORE AFTER Review

Since my last update, I have been on the road visiting many Review President’s Branches AGMs, which are always useful to ensure we get a better understanding of the various problems members face. RENOVATE, INSULATE & PROTECT REASONS WHY 10 Your Roof FOR LIFE! In May, I attended the Police Mutual no specific motions, but there were a As you will all be aware we celebrate 100’s of Thousands (PM) Conference held in Chester, where number of presentations and key speakers, our Centenary next year and plans are well ROOFSURE: Are You Over 60? No more draughts I had the opportunity to meet people from including the new Home Secretary, which underway for our celebrations, including OF CUSTOMERS HAVE ALREADY CHOSEN around the UK, and gain an insight into were followed by question and answer a Centenary Dinner and Parliamentary 30-year manufacturers You may be eligible for 10-year No more leaks The UK’sno.1 foam 7 guarantee + REDUCE nancial assistance or PM’s financial position, election of officers sessions. You can view these through the Reception. We have designed a special 1 insulation company insurance-backed guarantee a subsidy payment - and their future plans. There was also their Police Federation website. centenary logo which will feature on all our Our unique spray-on foam We have the Government’s HEAT LOSS No more loose tiles award ceremony to recognise their Force communications throughout 2019 including insulates, waterproofs, bonds Trust Markfor “Good trading call for details Our National Executive Committee by up to Authorised Officers in various categories, the 2019 Centenary diary which you can 2 and lines your roof practices, good customer 30 YEAR GUARANTEE met in early May and the Minutes will 8 service and technical which are viewable on their website. order by completing and returning the Will reduce heat loss by competence” * be available after their acceptance at 3 up to 58% -save money! 58% FREE SURVEY 30 pull-out section in this magazine, or indeed, FREE loft ladder and ooring *NO*NO OBLIGATION TO TO PURCHASE PURCHASE YEAR The Public Service Pensioners’ Council our July meeting. Your NEC Regional The whole process takes just order online via our website. 1-2 days - quick, easy, clean worth £750 to enjoy your held their Executive meeting and, later in Representatives can update those who 4 9 clean, dry space For 30 years a family www.roofsure.co.uk the day, their own AGM. Our CEO, Steve wish to know more, but they will have, The NEC have agreed significant run business FREE £100 of 5 gift vouchers Edwards, was re-elected as their Treasurer no doubt, already notified your Branch funding to assist in these celebrations and We never use subcontractors,sta 10 CALL 24HRS 6 only ourexpertly trained FREEPHONE: 0800 999 48807 DAYS and I was re-elected onto their Executive Secretary. each Branch will be receiving a rebate of NOW FREE roof survey applies to homeowners only and is part of your roofsure treatment Committee. 10% of their payable precept for 2019, Towards the end of June, I attended the for Branches to spend on their own local A significant area of their work will be AGCM of the Police Treatment Centres centenary celebrations for its Members. It the impact that the Cridland review could (PTC) in Harrogate, and was pleased to see would be great if you would let us know how have on State Pension schemes. They, like that one of our members, Baroness Angela B A T H I N . you are celebrating and any photographs F F I C U L T Y G ? N O T W I T H N B A T H ourselves, continue to look at issues around Harris of Richmond, is now the President of D I O U R W A L K - I N , L I E - D O W etc. will be considered for inclusion in the State Pension ages, what is the best index the Charity. magazine. for measuring inflation, and universal The thought of being The Retired Officers Associations from pension benefits. We have also commissioned a able to stretch out again England and Wales and Scotland were “ Open the door and enjoy a commemorative History of NARPO booklet is just wonderful! thanked by the PTC CEO Patrick Cairns for which will be circulated to all NARPO helping to increase the number of retired ” members via NARPO News next year.

FULL LENGTH soak! (or shower!) Officers making regular donations. In 2017, As you will all be there were 3,505 retired officers making This year’s NARPO Conference is being The Simplicity is the normal size bath ●

The bath is elegantly styled and can You can shower donations, two-thirds of which paid more held at the Riviera Centre in Torquay on aware we celebrate th you can actually walk into & lie down be colour matched to your existing in it too! than the minimum donation. During that Friday 7 September. The guest speaker for a full length soak. You can even bathroom suite our Centenary next same period, it treated 311 retired officers. is Ann Widdecombe and there will be ‘‘ We were also informed that Derbyshire an interesting session on Life, Work and stand up & shower in it too! ● Optional powered safety seat gently ‘‘ year and plans are Constabulary had become a contributing Leisure after the Police, featuring former and effortlessly lifts you up and down well underway for our The door is Force. police officers who have since gone on to ● Fits in the same space as your old bath be successful in other areas of life. Once available on celebrations, including Having said it was the PTC AGCM, it FITTED ● again for those who cannot attend in person either side Quick and easy installation a Centenary Dinner was also the AGCM of the lesser known of the bath you will be able to watch the proceedings IN A ● GUARANTEED watertight seal St George’s Police Children Trust, which * and Parliamentary via the live webcam broadcast available on DAY! supports over 300 children every year. ● Optional hydro-therapy spa our website at: www.narpo.org Reception. Small weekly donations from Officers helps FOR A FREE COLOUR BROCHURE AND A COPY OF to provide financial support to families to THE ESSENTIAL GUIDE TO BATHING CALL NOW ON help children and young people throughout One key issue is that of British school years, and for many, into further Pensioners living abroad. Apparently ASK FOR education. This support is given when either EXT. 62392 over half a million live in countries without 0800 316 9798 a Police Officer or spouse have lost their reciprocal social security agreements with FREE Lines are open 24 hours 7 days a week. Or write to Freepost Nationwide Mobility. life, or when a Police Officer parent through the UK, so they miss out on fair indexation. illness or injury is no longer able to earn a TOILET Adjust seat For more information and a FREE colour brochure There is likely to be almost another half height with 62392 living. The Trusts support circumstances & BASIN return this coupon to Freepost Nationwide Mobility a million in Europe, post Brexit, who with any bath** easy to use that have arisen either on or off duty. In are intended to be covered by similar purchased handset Name money terms, over £500,000 is distributed Brian Burdus - President arrangements as now, but this will need a Tel to Police Families each year. reciprocal arrangement with the EU. *Based on a straightforward fitting. Address They also have a holiday home which Later in May, I was a fraternal delegate **Not in conjunction with any other offer. can be provided for a respite stay for one at the Police Federation’s Annual FREE week free, with additional weeks at a Conference in Birmingham. There were www.nationwide-mobility.co.uk Postcode discounted rate. 8 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 9 NARPO News NARPO News NARPO News continued... NARPO branded clothing Long Service award NARPO has partnered with Stitch & Chairman of Bedfordshire NARPO Lionel Print, a supplier of quality embroidered & Stewart was invited to present an award to printed clothing to offer members a new the outstanding police cadet at the annual

range of NARPO branded clothing. Items Bedfordshire Police awards ceremony in NARPO News Life Membership Birthday celebrations include men and women’s polo shirts, June and ended up walking away with an hoodies and jumpers, in a range of sizes award himself. Mr Ken Baker Former Berkshire Officer Reg Rumbles and colours. The ever popular NARPO As he was about to walk off the stage recently celebrated his 103rd birthday. baseball caps will also John Guy, Chairman of the Gwent he was taken by surprise by the Chief He retired in 1965, so has received be available to order Branch, presented Ken Baker with a Constable who presented him with a his pension for in excess of 40 years. directly from Stitch certificate of Life Membership. Ken has special long service award. been a member of the Branch committee Although he is now in a nursing home he & Print. is visited by the Chief Constable on a fairly The award recognised the 60 years for 20 years, holding the positions of Social Visit the regular basis. that Lionel has been involved in policing Secretary and Vice Chairman. Over the NARPO shop - 17 years in the Met, 15 years in years, Ken, with his wife Ann, has arranged at www. Bedfordshire and 28 years with NARPO numerous weekends away, day trips social narpo.org Mr Ken Baker, Gwent branch and as a member of the Beds Police evenings and quiz nights. to see the Welfare Committee. Dave Moses the branch treasurer full range. all the funerals of retired officers of the presented him with a bottle of single malt Orders can Lionel was awarded an MBE in Tell us your old Cornwall Force - which he has done whisky. be made the Queen’s Birthday Honours 2015 NARPO news…. virtually since his own retirement. In all the either for services to the community in Mr Peter Brew years since then he has attended countless online or Bedfordshire. funerals and has built up an encyclopaedic If you have any news that you would Branch Chairman, Jim Doney presented by calling knowledge of the membership of the old The award from the Chief Constable like to see included in the NARPO Peter Brew with his life membership Stitch & force and all its members, this extending to is a fitting tribute to Lionel who is a news section then please get in touch. certificate at the Branch Meeting held in June. Print directly the wives of officers and their widows; so on 016973 hugely popular figure and has served We would like to hear from you! This honour was awarded in recognition much so that his knowledge often outstrips He left home at the age of 16 and went 43546. Beds NARPO as Secretary for over 20 Please contact: of Peters self-imposed practise of attending our own records. to Maidenhead where he was employed years and continues to serve as Chairman. [email protected] by International Stores. During that time, he witnessed a fatal accident and was able to give a full detailed account of the Barnsley Branch circumstances. An official involved in the Calling all iPad or Android Tablet owners... case suggested he apply to join the police Members of Barnsley service due to his accurate, unbiased If you ever find your tablet frustrating, aren’t quite sure how to do things or NARPO have raised over and detailed reporting. He subsequently £2,000 in support of Barnsley applied and was accepted into the just think you might not be getting all you should from it, read on... Hospice through a number Berkshire Constabulary, stationed in Ascot. of fundraising activities, ablets are becoming hugely If I ran the world, these devices come with a small free gift – no full information now? There’s no obligation at all. Discover what including raffles and bag During the war he served in the Royal popular. And no wonder - would come with a proper room to explain that here, either! T the books will do for you and packing at supermarket Navy and after armistice he returned to they’re lighter and easier to carry manual. But when they do come “Better than WHSmith’s about your free gift that comes Ascot as a PC. In 1952 he was transferred around than a PC. You can sit with a manual, it’s on the device, checkouts. Best”? with them. (And don’t worry, to Windsor where he completed 27 years’ in a comfy armchair and browse so you can only get at it if you As soon as these books came Cheque presented on behalf of the members the web or even video call your already know how to use the we won’t pass your address to service before retiring in 1965. out, I started getting comments anyone else.) family around the world. thing! And when you do get at like... it, it’s usually written assuming Call, email or post the coupon They’re easier to use than PCs “Thank you for producing in lots of ways, too. you already know how to use it - Ring Emma, Michelle or Access to Support Course which makes it a bit pointless. such a superb book – it is really Sheffield Branch But there’s a catch. In fact, two. helping me. I had bought one Jade on 01229 777606 quoting That’s why I’ve written these ‘NP0818A’ you can call 7 days Branch representatives from across the Sheffield Branch’s oldest member, Catch number 1: (a book) in W H Smiths a short books: iPads One Step at a Time a week. Or email your name and country came together recently to attend the Mrs Lorna Kilham, was 100 years old on They’re different from PCs. So while ago and couldn’t get on ‘Access to Support’ course, run by NARPO. if you already know how to use a and Android Tablets One Step with it at all!” - J.S. postal address to us at: Mayday bank holiday. Lorna worked as a at a Time (ideal for all Android [email protected] PC, you have to start again. and “I am delighted with the new The one-day training course is designed policewoman and later, on support staff, tablets). Or if you prefer write to us at book on tablets, so many things in the Sheffield City Police. Lorna’s late Catch number 2 (the big one!): 13B Devonshire Road Estate, to equip welfare officers with the latest Plain English - that’s not all... I didn’t understand before, being husband, Cyril, was sergeant in the force There are lots of important Millom, Cumbria, LA18 4JS information relating to welfare issues, They explain how to use the of the ‘retired brigade’ it’s a great including benefit updates, disability and Mounted Department and Lorna was proud features that are “hidden”. requesting a tablet infopack. to show visitors a photograph of Cyril There’s no button for them, device, in plain simple language, help.” – Doreen Wadsworth legal issues and pension matters; thus with pictures of the screen You don’t even need to know leading a parade on his grey mount. Lorna saying “click here”. And you Don’t buy now, do this instead ensuring they are able to provide relevant showing exactly where to tap or which type of tablet you have: didn’t want a fuss for her birthday but she simply can’t work it out. You support and advice to members. slide your fingers. No jargon! Anyway, don’t buy now. the infopack will explain how to wasn’t to get away with that – members of need to know to slide the screen Instead, you can find out the full tell. from the left, or drag the thingy- Only Half the Story... Speakers included Police Mutual, the Branch Ladies’ Section turned up with a details about what’s covered, There’s no obligation, no cost. me-bob to the right. Disability Rights UK, Coop Legal Services cake and flowers, and around 100 birthday That’s only half the story, but I who they’re ideal for and what You have nothing to lose so why and the Police Chaplaincy Service. cards to surprise her. And the most special Lorna with Branch Treasurer Gerry Scarfe, Someone needs to tell you these don’t have room to explain what you might be missing out on, not do it now, while you think I mean by that here. So I’ve put Representing the Police Chaplaincy surprise of all for Lorna, arranged through and Sgt Catherine Wallis and things – it’s just not possible to then decide. Just ask for a free of it? Best not risk losing the Service, David Wilbraham, highlighted the Chief Constable Stephen Watson, was when work it out as you wouldn’t even together full information on the information pack. details, reply to ask for your free books - who they’re for, what role of the chaplain in supporting all police two members of South Yorkshire Police’s P C Tracey Brown know they’re there! Quick and Easy to Get Yours infopack today. they cover and so on. staff in any aspect of their professional Mounted Dept. arrived riding two grey police If I ran the world... Why not ring or write off for the Not in shops or on Amazon. duties or personal lives. horses – Lorna was quite overwhelmed! What’s more, the books also Call for info now

10 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 11 Dyfed-Powys Police Protecting the Protectors General News He also highlighted the issue of poor than three years ago, he told officers, adding NARPO attended the Police officer pay and the increasing disconnect the promise that he would prioritise police Federation 94th annual between the demand and capacity facing funding in next year’s Spending Review. the police service. A hard-hitting video conference at the ICC in Policing Minister Nick Hurd was put on depicting some of the many issues faced by the spot over pay, while Michael Lockwood, 50th Birmingham in May to raise frontline officers day in, day out. the Director General of the Independent awareness of NARPO amongst PC Laura Gargett’s story was one of Office for Police Conduct (IOPC), told General News Anniversary members of the Federation. several powerful videos shown as part of delegates what he is doing to improve what the Protect the Protectors session. She was formerly the IPCC and would try to told host – LBC presenter Ian Collins - that establish respect from all sides. On the 1st April 1968 the Carmarthenshire Held over two-days, the conference, assault is a daily risk for a police officer, entitled ‘Protecting the Protectors – The The video ‘Protecting the Protectors - and Cardiganshire Constabulary, Mid Wales and said: “I get disheartened that the Reality of Policing’, provided an opportunity The reality of policing’, which was shown at legislation isn’t in place to support us when Constabulary and Pembrokeshire Police to listen and debate current issues in the conference to highlight the harsh reality these things happen. I think that’s because amalgamated to form the Dyfed-Powys policing, covering counter terrorism, stop of policing, can be found at https://www. the hands of the criminal justice system and search, assaults on police, emergency youtube.com/watch?v=-G5l1h_5ncU Constabulary, making it the largest police Former Chief Constable, Mr Ray White recalling fond are shackled by weak legislation. We need response driving, conduct, performance, memories about his time as head of Dyfed-Powys Police. to get the message out there that the law force geographically in England and Wales. welfare and much more. needs changing because these assaults are The name changed to Dyfed-Powys Police In his first keynote address to becoming too commonplace.” Conference as PFEW Chair, Calum in 1974. Also addressing delegates, the new Macleod, cautioned the new Home Home Secretary, Sajid Javid MP, promised Addressing delegates, Secretary Sajid Javid “to learn the lessons A Service of Celebration was held at key events in the force’s history by BBC A special welcome was extended to support for increased police pay and welfare. the new Home Police HQ at the end of April to celebrate newsreader Huw Edwards. former Chief Constable, Mr Ray White and his predecessors failed to” and urged the the formation of the force. During the his wife Trish who returned to Wales from Government to go further in it protection of He acknowledged the increased demand Secretary, Sajid Javid Several Dyfed – Powys NARPO proceedings, current, retired police their home in Queensland, Australia to meet officers. He spoke of his frustration when on police officers with more hate crimes members were interviewed by Huw and MP, promised support officers, staff and guests including the Sara up with former colleagues and friends. A it came to changes in legislation in relation and sexual offences being reported and the provided the large audience with interesting Edwards, HM Lord lieutenant of Dyfed Book of Remembrance to commemorate to assaults on emergency workers and recent increase in serious violence, including for increased police anecdotes about major incidents and and Dame Shan Legge-Bourke, HM Lord those who lost their lives whilst serving with greater protection for trained police drivers knife and gun crime. The Government has investigations conducted by the force during pay and welfare. Lieutenant of Powys were taken through Dyfed-Powys Police was unveiled during and urged the Government to take the increased police funding by £460m this year its 50 years’ existence. the service by Mr White. opportunity to make a difference. and will invest over £1bn more in policing

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12 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 13 £65 TRIALPER DAYONE OFFER ALLMONTH FROM INCL. Pension Police Roll of General News Disputes Honour Trust In June , the Police Roll of Honour There has been a change to Trust held a Reception event the mechanism for resolving in London in celebration of the Contents Pension disputes. granting of a Royal Charter. The Trust is the only police Charity to The Pensions Advisory Service [TPAS] hold a Royal Charter. dispute resolution function has now moved to The Pensions Ombudsman [TPO]. The move In recent times, the high profile deaths included the transfer of the TPAS dispute of police officers on duty has highlighted resolution team and volunteer network. Prior the poor state of police record keeping to the transfer those with a dispute could with respect to deaths and a lack of approach both TPAS and TPO for assistance knowledge going back in time of officers Sid Mackay from the Police Roll of when dealing with a pension complaint. who have lost their lives in the course of Honour Trust welcomes guests to the TPAS focussed on complaints the pensions their duties. Also the disparate number of unveiling of their Royal Charter schemes Internal Dispute Resolution Forces and amalgamations over the years Procedure [IDRP] had been completed and has resulted in lost or discarded records book to the Police Memorial Trust. It is on the TPO dealt with complaints once the IDRP where they may have existed. Unlike the display at the National Police Memorial had been exhausted. Military who have over the centuries kept in The Mall. We are working closely with accurate records of campaigns and of The transfer will simplify the customer the Police Arboretum Memorial Trust who casualties, the Police service has been journey. Customers will be able to access are developing an iconic memorial for the involved with one single campaign which all pension dispute resolution, previously National Arboretum in Staffordshire which has no clear beginning or end. handled by two services, whether pre or will include a digital display. post IDRP, in one place. This will lead to a The Trust was formed in 2000 and On the anniversary of an officer’s smoother customer journey and improved has worked to identify deaths through death, we send the relative a complaint handling. TPAS will continue to historical research while maintaining commemorative card as a reminder that focus on providing pension information and the details of recent deaths to provide a the wider police family has not forgotten guidance, and will become an integral part of comprehensive list of those who have died their loved one. We will also help with the new Single Financial Guidance Body. as far back as records can be traced. We assistance or advice where we can but have been doing this through the research we recognise the greater ability of the A WARM WELCOME AWAITS of police records, newspapers and Court Police Trust (formerly PDT), Care of Police records. We have over 4000 deaths on

Survivors and similar police charities which file of warranted officers and civil support TPAS will continue are best placed to undertake such support. YOU THIS SUMMER AT staff. Included are parish constables,

to focus on providing official watchmen, Bow Street runners All in all, we like to think that for a pension information and the host of law enforcement officers small charity managed only by volunteers ‘‘ ‘‘ preceding modern policing. The oldest who are serving officers, retired officers THE HAWTHORNS and guidance, and will death recorded being that of an unknown and the relatives of fallen officers, we try become an integral constable in 1680. Last year we published to provide a high support service to the Enjoy a Summer Break in a warm and friendly community of like-minded retirees and enjoy as much or as little part of the new Single a book listing all of those who died it is wider police family in helping them to of our activities, events and entertainment as you prefer. Be looked after in a safe and secure environment with known as “The Roll of Remembrance”. commemorate and remember their fallen everything done for you; it’s a time to relax and enjoy yourself with no worries and no chores. and loved ones. Financial Guidance The Trust’s list of fallen officers is Body. now seen as the definitive guide to Police Incorporation will increase our heft All-inclusive with no hidden extras or bills • Worry-free lifestyle with hospitality assured Forces in the UK. It is with pride that we and recognition within the wider police Restaurant quality dining with table service You have a right to refer your complaint to provide support to police forces ; without community but also and more importantly the TPO free of charge. The TPO deal with the work of the Trust many Forces would establish the Trust within society as complaints about how pensions schemes have inaccurate lists of fallen officers. playing an important but vital part in the Call 0800 114 3323 Search ‘Hawthorns Retire’ online or are run. If there is a problem this is known That support has been described as the remembrance of fallen police officers. as maladministration, which includes golden thread which links the past, the The grant of the Royal Charter is also situations such as a pension scheme: present and the future. a recognition, by the establishment and governance of the country, of the • taking too long to do something without The work of the Trust and our lists of importance of the work that we do. good reason police deaths not only summarises the • failing to do something they should have personal sacrifice of the fallen but is a As a charity we are small on funding • not following their own rules or the law testament to their dedication to duty and and any donations from NARPO • breaking a promise the link between the present and past branches and members would be • giving incorrect or misleading information centuries of policing. gratefully appreciated and put to good • not making a decision in the right way. use in the work that we do in perpetuating As a Trust we do not hold our own The TPO can be contacted by Freephone on: the memory of our fallen colleagues. 08009174487, email: enquiries@pensions- annual memorial service but are happy ombudsman.org.uk or via their website at: to help other police charities which Sadly our work is ongoing and comes THE HAWTHORNS WHERE YOU’RE IN GOOD COMPANY www.pensions-ombudsman.org.uk do. The National Police Memorial Day into more prominence at the times of service we have helped in the past and adversity. We try to ensure that no the Roll of Remembrance book featured police death on duty is forgotten which is Braintree, Essex | Clevedon, Somerset | Eastbourne, Sussex | Northampton, Northamptonshire at Cardiff last year and will be at Belfast encapsulated in our motto this year. We have provided a copy of the “LEST WE FORGET.” 14 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 15 Intergenerational Issue The Intergenerational In relation to that, The Institute of Fiscal Studies has released a new report on the future of funding health and social care to the 2030s. The report argues that funding pressures are “only going to grow”. Their analysis suggests: • UK spending on healthcare will have Issue to rise by an average 3.3% a year over benefit from auto-enrolment and a flat-rate the next 15 years just to maintain NHS The Resolution Foundation have published the final report Intergenerational Issue State Pension. Insecurities in the labour provision at current levels (a 4% a year of the Intergenerational Commission. The Commission was market can affect older workers too – in rise if services are to be improved). some cases precipitating early exit from convened to explore the questions of intergenerational fairness • Social care funding will need to employment altogether. that are currently rising up the agenda. increase by 3.9% a year to meet the The biggest risk for older people is the needs of an ageing population and an council tax, businesses get the huge challenge in the coming decades increasing number of younger adults alongside an increase in property-based skilled and confident candidates they need. The report examines the main issues of generational progress that was the norm of realising the welfare state’s promise living with disabilities. private contributions towards care costs. facing society today and compares the across the age range in the second half of to them as they age. The ageing of the However, these charges should be limited The housing crisis that Britain faces The Resolution Foundation report argues expectations and experiences of differing the 20th century. large baby boomer generation means we by a strict asset floor and cost cap that – which is bearing down most heavily on that meeting this spending challenge via generations; the silent generation [born will have more older people, even before mean no-one can be asked to contribute younger cohorts but affects all of us – is so A look at income and wealth also borrowing or turning to the usual taxes 1926-45], baby boomers [born 1946-65], factoring in increased life expectancy. more than a quarter of their wealth for their acute that no single solution will be enough. highlights just how large differences on income and consumption would put generation x [born 1966-80] and millennials own care. within generations are. Intra-generational disproportionate costs onto younger Action is required on a number of fronts, [born 1981-2000] and suggests some income inequalities have been higher for generations who have borne the brunt of for example, replacing council tax with a innovative and radical solutions to the To maintain the NHS that the baby generation X and the millennials than for recent living standards pressures. progressive property tax with surcharges problems society faces. boomers were born into as they start to rely the preceding generations at each age, and more heavily on it, we recommend a £2.3 on second and empty properties; halving These approaches are both absolute wealth gaps within cohorts are Declining home billion ‘NHS levy’ via National Insurance on stamp duty rates to encourage moving; The reports main unsustainable in the long run – neither the growing. Inheritances will get bigger in the ownership is the the earnings of those above State Pension and a time-limited capital gains tax cut to national debt nor income tax rates can rise findings include: coming decades, but with already-wealthy age and limited National Insurance on incentivise owners of additional properties

most prominent forever – and clearly unfair between the millennials set to inherit more than four occupational pension income. As well as to sell to first-time buyers. Employment has provided good news generations. times as much as those with no property ‘‘worry about younger raising funds for health services across the for young people as the unemployment rate The coming rise in intergenerational

wealth, they risk amplifying existing wealth UK from better-of members of the group for 16-29 yr. olds rose less than it did during generations. We need to avoid breaching the wealth transfers provides an opportunity gaps. Today’s intergenerational differences most likely to use them – four-fifths of the 80’s and early 90’s. But, while more Millennial families intergenerational contract by either cutting to show that Britain has something to offer could create deeper intra-generational gaps ‘‘ revenues are drawn from the richest fifth young adults are more likely to be in work, essential support for older generations or young people, no matter who their parents in future. of pensioners – this approach addresses they have been rewarded very poorly. are only half as likely putting unsustainable costs onto younger are. ones most affected by the financial crisis. inequities in the current tax treatment of It is not just young adults who are being to own their home Declining home ownership is the pensions. We recommend abolishing inheritance affected by the challenges to a better most prominent worry about younger by age 30 as baby Families are already finding answers tax and replacing it with a lifetime receipts Britain The overwhelming conclusion is that Changes to taxes are never easy and generations. Millennial families are only half of their own. The ‘bank of mum and dad’ tax that is levied on recipients with fewer today’s young adults are having a tough boomers were by should never be made lightly, but properly as likely to own their home by age 30 as has grown significantly, helping up to half exemptions, a lower tax-free allowance and time on key measures of living standards. funding the NHS and our social care baby boomers were by the same age. the same age. of first-time buyers to purchase a house in lower tax rates. The extra revenues should But while millennials are clearly at the sharp system in the coming decades is essential recent years. More young adults are living support a £10,000 ‘citizen’s inheritance’ Pensioner incomes have performed end, there are areas of concern for older if we want to deliver our welfare promise with their parents than a decade earlier. And – a restricted-use asset endowment strongly in this century: median pensioner generations too. Rising housing costs have to older generations and reshape the the number of adults caring for elderly, ill or to all young adults to support skills, incomes are now higher than median held back living standards improvements Combined with other pressures on health intergenerational contract for the challenges disabled relatives has increased. entrepreneurship, housing and pension working-age incomes after housing costs. for all generations alive today – albeit in costs, this ageing population means of the 21st century. saving. In the medium term, citizen’s There are headwinds to maintaining this return for larger houses and the ability to public spending on health, care and social Giving older generations the health and inheritances of £10,000 should be available performance for future retirees, however. accumulate property wealth in the case of security is set to rise by £24 billion. care they need in the coming decades will Getting young people’s careers moving from the age of 25 at a cost of £7 billion That is because private sector membership the baby boomers. not come cheap – but it is the right thing cannot be left to chance. We recommend a of generous ‘defined benefit’ pensions, for to do. However, asking younger working new £1 billion ‘Better Jobs Deal’ that offers per year. During an initial transition phase, those around age 35, halved for employees Older female pensioners adults to pay that bill in its entirety risks practical support and funding for younger gradually rising inheritances should be born in the early 1980s compared to those have had poorer average undermining rather than strengthening the workers most affected by the financial offered at older ages, starting with those born around 1970. ‘Automatic enrolment’ pension outcomes intergenerational contract. A better starting crisis to take up opportunities to move jobs turning 35 in 2020. than younger point is to recognise that Britain’s booming or train to progress; and £1.5 billion to of employees into less generous ‘defined The full Intergenerational women, stock of wealth is increasingly concentrated tackle persistent under-funding of technical contribution’ pensions does, however, mean Commission report and other who will in older generations and that it is also education routes. Both should be funded by that younger cohorts have higher overall associated reports can be found at: increasingly lightly taxed. cancelling 1p of the forthcoming corporation pension scheme membership rates than www.intergencommission.org/ tax cut. These steps are designed to ensure predecessors did at each age. The most pressing challenge in making In contrast to older generations, young good on our welfare promise to older adults are making no income progress and generations is to address the scandal of accumulating much less wealth Bringing unmet social care need that is bearing MPs want older people to pay to fund personal care for all: together these trends, disposable incomes down on families. This means sharing – the best measure of current living more risk collectively with additional public The Housing, Communities and part of National Insurance or a new standards – are no higher for millennials spending, at the same time as asking Local Government and Health and not-for-profit social insurance fund who have reached age 30 than they were individuals able to do so to make a limited Social Care Committees’ joint report which would only be used for social for generation X at that age. In contrast, contribution towards their own care costs, calls for a sustainable funding care. The premium would only older baby boomers have maintained but with proper protections. We recommend solution for adult social care. Their be paid by those aged over 40 significant income improvements on the a public funding increase of more than £2 report recommends the introduction of and later extended to those over the silent generation, continuing the pattern billion for social care from a replacement to a ‘Social Care Premium’, paid as age of 65.

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Benefits update up to 25% OFF Contents our most popular blinds State benefits It will also contact some public-sector New figures from HMRC have shown that pension schemes so that they cancel future overtax on pension payments since pension • The government has published a White pension payments. freedoms was introduced in 2015 now Paper on protecting defined benefit The service is available in 396 local amounts to £300 million. schemes in light of the recent high-profile authorities across England, Scotland and According to financial provider, Zurich, collapse of Carillion and BHS. The paper Wales either face to face, online or over the • four in five retirees (79%) using pension states that the current system of regulation telephone. freedoms to manage their retirement for scheme funding generally works well, If you have any questions about the service, savings face a potential ‘later-life financial but there are actions that can be taken email: tellusonce.communications@dwp. crisis’ as they have not yet set up lasting to strengthen the powers of the Pensions gsi.gov.uk. Regulator to deal with employers who power of attorney (LPA). behave recklessly in relation to their defined • The government announced in April that More than 345,000 retirees using income benefit schemes. disabled and older people in England will drawdown to fund their retirement have continue to benefit from free off-peak bus not yet given a family member or friend the • The government plans to merge three of travel for the foreseeable future, keeping legal authority to make decisions on their its current advice services sometime them connected with their local towns and behalf if they no longer can. Without an LPA this year: cities. in place, even next-of-kin would be forced The Pensions Advisory Service Bus passengers aged over 65 or with a to apply to the courts to take charge of a helps with pension queries and in the case disability have been entitled to travel free relative’s finances, should they suddenly fall of disputes of charge on any off-peak local service in ill or lose mental capacity. The Money Advice Service England since 2007, thanks to the English The MOT test in England, Scotland and provides help and information on all National Concessionary Travel Scheme. • Wales changed on 20 May 2018, with new financial matters The legislation behind the Scheme has defect types, stricter rules for diesel car Pension Wise been amended so that it no longer needs to emissions, and some vehicles over 40 provides information and guidance on be reviewed every five years. retirement options years old becoming exempt. The old-style • Housing Benefit and Council Tax ‘pass or fail’ test has been replaced with a The merger aims to reduce duplication Reduction – two of the key benefits to which new system that will classify faults as minor, and combine the expertise across the older people may be entitled – can only be major and dangerous, with the last two services into one place. In the meantime, claimed online, in four out of 10 councils. resulting in an automatic failure. If a vehicle you can continue to use all three services This means that older people without has a dangerous defect, the owner risks separately, free of charge. internet access (of which Age UK claims a£2,500 fine and six penalty points if they there are nearly 4 million) are therefore drive away from the testing station, even if • The Financial Guidance and Claims Bill missing out on this financial help. the car’s MOT still has a few days to run. received Royal Assent on 10 May 2018, Age UK carried out a ‘mystery shopping’ From 6 April 2019, if you live in Wales, becoming the Financial Guidance and exercise following repeated complaints from • some of your Income Tax will be paid to the Claims Act 2018. Among other things, older people and their families about being Welsh government. This is a change from the Act provides: unable to access services and entitlements ™ the current system, where all Income Tax - for protection against ‘unsolicited direct if they are not computer users. from Wales is paid to the UK government marketing relating to pensions’ An estimated £3.8 billion in pensioner conservatory to fund spending across the UK. The rates (cold calling) benefits, including Housing Benefit, goes of Income Tax will be set by the Welsh - for the establishment of the new Single unclaimed each year. According to Age UK, government. Their proposed rates will Financial Guidance Body (see above) there are still 1.9 million pensioners living BLINDS limited be announced in the Welsh government ® - that trustees and providers must ensure below the poverty line, with around a million Farrow & Ball colours available budget later this year. Britain’s favourite family-owned specialists individuals accessing their pension funds more just above this threshold who are are referred to, and asked whether they struggling to make ends meet. have received, appropriate guidance. If you are an angler, ™ • Tell Us Once is a service that lets General take heed: you report a death to most government conservatory The Environment Agency is warning organisations all together. In 2017 and • A report commissioned by the government the public to beware of third-party 2018, it was used by over 360,000 people. has called for a rethink on the use of the websites offering fishing licences. Tell Us Once will notify organisations emergency tax code on pension withdrawals. BLINDS limited They have received reports that some including: Pension freedom payments are taxed at an third-party websites are charging up Britain’s favourite family-owned specialists - HM Revenue and Customs (HMRC) individual’s marginal rate. If an individual to double the price for a licence. There - Department for Work and Pensions (DWP) draws a large amount in a single month, they have also been instances of anglers - HM Passport Office can be taxed at a higher, emergency rate of being charged a fee but not receiving a Beautiful bespoke blinds for conservatories,™ orangeries, - Driver and Vehicle Licensing Agency tax. Individuals who are charged this higher licence as quickly as they would expect. (DVLA) rate can then reclaim this tax from HMRC roof lanterns, gables and bi-folding doors by filling out a form (available on HMRC’s Anyone wanting to buy a fishing licence conservatory claim-a-refund web page: https://www.gov. should go direct to the GOV.UK website www.conservatoryblinds.co.uk 0800 071 88 88 uk/claim-tax-refund/you-get-a-pension). or visit their local Post Office. BLINDS limited 20 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPOBritain’s NEWS favourite Email: family-owned [email protected] specialists Website: www.narpo.org 21 conservatory™ BLINDS limited Britain’s favourite family-owned specialists conservatory™ BLINDS limited Britain’s favourite family-owned specialists Contents Pensions on divorce Family Lawyer William Kaye explains why pension pots can cause issues during a divorce

Many complications can arise when dividing pension scheme but sometimes the same The key message is to get specialist advice.

up your assets during a divorce, one of one if permissible) so that they have a Yes that will come at a cost but this could Police and the Suffragettes those being splitting of pensions. Back pension in their own right. well be a fraction of the cost of getting it in 2000 legislation was passed enabling wrong. The Family law team at Langleys pensions to be split (or shared as it’s called) includes lawyers who are Resolution However the process of this can be far on divorce, but due to some solicitors and Accredited Specialists in pensions on more complicated and fraught with risk, financial advisors not understanding how divorce and have the experience and for a number of reasons including different this process works, many people are losing expertise to secure the right and fair pension schemes often having different out unnecessarily. Pensions are complicated outcome for you. rules, issues with valuation of pensions at the best of times but that doesn’t mean through ‘CETV’ (cash equivalent transfer they shouldn’t be split fairly, whether you value), flexibility of pension draw down and are the party holding the pensions or the lifetime allowances. There are also other party seeking a share of them. issues with pension companies permitted In very simple terms the court can make an to levy charges for implementing pension For expert advice Westfield House, order ‘sharing’ one party’s pension(s) with sharing arrangements, capital offsets and contact William Kaye at: Balby, target of lastly the State Pension with the entitlement the suffragettes the other party – a defined percentage of [email protected] the pension pot is taken out and put into depending on working history and National DONCASTER BOROUGH 0330 094 7777 the other party’s name (usually in a different Insurance Contributions. Police and the

Together we’ll safeguard Suffragettes By John Brown Following his appointment as the Chief Constable of Doncaster However, the suffragettes had not you, your family and finished, and between 1.00 and 2.00am on Borough Police, Mr William Adams did not have to wait long the morning of the 3rd June two persons, before his force made the national press as a result of militant a male and a female, broke a window and your future. entered Westfield House in Balby. The suffragette activity. house was also known locally as “Fisher The Women’s Social and Political Union meeting to break up. The suffragettes and Park” after the owner, Mrs Alice Fisher. Our lives are complex and everyone’s situation (WSPU) had been founded in Manchester their supporters had to be rescued from the At that time Mrs Fisher was away from is unique. You need to be sure that you are receiving in 1903 by Emmeline Pankhurst, and had crowd by borough police officers. the premises and it is believed that the the very best advice from experienced become one of the more militant groups of two persons who entered thought that the and knowledgeable teams. the women’s suffrage movement. In 1912 In the weeks after the break-up of house was unoccupied. It must have come the group had stepped up their campaign this meeting, and possibly motivated by as a complete surprise therefore when revenge, a corrosive substance was poured the housekeeper, 72-year-old Miss Mary Whether the structure of your with a series of arson attacks aimed at forcing the government to accede to their onto the greens at the Doncaster golf club Temple Beecroft, appeared at the top of the family is changing, you’re considering demands for suffrage. in Rossington, and an incendiary device staircase holding a candle. Miss Beecroft

your finances or you’re looking was discovered under the stairway in had heard the sound of breaking glass and for advice to help you deal with issues A small group of suffragettes had Wheatley Hall, but fortunately the device with considerable bravery on her part had

through work or at home we offer gathered around Miss Violet Key Jones, failed to ignite. Due to the campaign for decided to confront the “burglars”. >> who maintained a house on Osborne suffrage being conducted at that time, the a free initial consultation, and Road in Doncaster. Miss Jones had been WSPU were suspected of both incidents. discounted rates for NARPO members. a prominent organizer for the WSPU in Wheatley Hall was vacant at the time and ‘‘ York, and in May of 1913 she took part in the process of being sold, so it was quite The suffragettes in an open air meeting of suffragettes in easy for the culprits to break a window and and their supporters Waterdale, Doncaster. Unfortunately for the enter in order to leave their device. The fact suffragettes, a hostile crowd had gathered that the device was badly assembled and had to be rescued from and, not content with heckling main speaker wrapped in WSPU literature undoubtedly ‘‘the crowd by borough LANGLEYS.com/NARPO Barbara Wylie, the crowd started to throw helped confirm police suspicion against the police officers. orange peel and other objects, causing the WSPU.

22 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 23 Police and the Suffragettes Police and the You’ve just agreed the sale of your Suffragettes Continued... property or found your dream home... What happens next? It was the normal practice of the The government, concerned that suffragettes not to attack properties which these activities of the suffragettes would Home Property Lawyers Director Sally Cottam talks us through the realities of moving home.

may have endangered the life of occupants, probably end in a death - and martyrdom Contents and as a result they targeted empty - before too much longer, rushed premises during their campaign of arson. through a piece of legislation called We are offering NARPO members a 10% discount against our conveyancing fee, The two “burglars” apologised to Miss the Prisoners (Temporary Discharge Beecroft and promptly left the premises. for Ill Health) Act 1913, which became so if you are planning to sell, buy or remortgage a property, give us a call on The housekeeper noticed that the intruders known as the “Cat and Mouse Act”. The 01522 503510 or go to narpo.homepropertylawyers.com appeared to be carrying a bundle when they legislation provided for the release of left the house. any prisoner who became ill in prison as a result of a hunger strike. The intention I have been a residential conveyancer for over 30 years 7. If a buyer needs a mortgage they will apply to a lender The police were sent for, and Sergeant was to return them to prison as soon as Needham arrived by tram at about they were well enough to resume their and have been involved with lots of clients in a range of for a mortgage offer which their solicitors will need 6.30am. The officer searched the house sentence. This legislation was primarily different transactions. Moving home ranks amongst one of before they can commit the buyer to proceed with their and grounds, and found a cardboard aimed at the suffragette movement. box containing paraffin, cotton wool and the most stressful events a person can go through. There purchase firelighters. He also found some newspapers Lilian Lenton was therefore the is no wonder; there are lots of people involved and a lot to 8. Once the sellers and buyers solicitors have satisfied and a label containing the name Violet Key woman at Doncaster Police Court who organise and it’s only when all those people have organised Jones, the suffragette who maintained a admitted forcing entry at Westfield themselves regarding enquiries, searches and finance everything people can finally start to plan their move. house on Osborne Road in Doncaster. House. It was common practice for the Lillian Lenton in the prison exercise they can advise their clients, have documents signed, suffragettes to give false names when yard at Armley gaol in 1913 While a conveyancer deals with transactions day in day out, agree a completion date and commit (exchange As a result of discovering this evidence, arrested in an effort to obstruct police contracts) to moving (completion) the police arrested two suspects Harry enquiries. clients moving home of course don’t, it may be their first Johnson and Augusta Winship, from time or it might have been years since they last moved. With amongst the small group of suffragettes at Attempts were also made to obstruct The above makes it look simple! It can left the house and escaped, much to the the process being unfamiliar to most, its an emotional time Osborne Road. Both suspects were then the court process and constantly deny embarrassment of the Doncaster force. be, but there are things that can soon identified by Miss Beecroft. Harry Johnson the authority of a male-dominated justice and the unknown is enough to make anyone anxious. was a junior reporter on a local newspaper system. complicate and delay matters, for Lenton committed further offences The conveyancing process can be cumbersome and in fact who supported the suffragette movement. before being arrested in Liverpool in 1914 example: He was often to be found in the company of and was then returned for trial at Leeds following a recent Call for Evidence, which Home Property the Doncaster suffragettes. Assizes for the Doncaster offence. She was Lawyers responded to, the Government have accepted that it • Several people in the chain all with different found guilty and sentenced to 12 months When the two suspects appeared at is stressful, time-consuming and costly. The Conveyancing transactions and personal circumstances to It was the normal imprisonment, but again went on hunger Doncaster Borough Police Court, because strike and was released after a short time profession and the Government are working to improve it accommodate of the considerable local interest the practice of the in prison. using technology and helping home movers understand court was packed with residents. Also in • An adverse survey, down valuing a property or resulting suffragettes not to more about the conveyancing process. attendance were a number of suffragettes The unfortunate Harry Johnson was in a property requiring estimates or even essential work

and their supporters, and there was a ‘‘ attack properties sentenced to 12 months hard labour in In a nutshell, once you have sold your to be carried out before completion

minor sensation after proceedings had which may have Wakefield prison. commenced when one of these suffragettes home, the process will be along the • Someone in the chain unable to secure a mortgage stood up in the public gallery to claim that endangered the life In her later life Lenton was to become the police had arrested the wrong person. of occupants, and as ‘‘ the financial secretary of the National Union following lines: • Problems with the title to the property e.g. missing This particular lady, who gave the name of Women Teachers and died in 1972. She documents, inaccurate plan, defective lease, breach 1. Your conveyancer will send you a pack of information May Denis, stated that it was she, and a result they targeted never married. of covenants, lack of necessary planning permission/ not Augusta Winship, who had been the empty premises and some forms to complete and return, a seller will Originating from Doncaster, JOHN building regulations companion of Harry Johnson at Westfield during their campaign need to complete a Fixtures and Fittings Form and a House at the time of the incident in question. BROWN is a retired Police Inspector, • Leasehold properties invariably take longer to complete of arson. having worked for 33 years in the Property Information Form (Protocol forms) Eventually Johnson and Denis were Lincolnshire and the West Midlands forces. due to additional information which needs to be collated 2. You will be asked to provide evidence of your identity charged with being found on enclosed On retirement from the police service he from the Landlord and/or Management Company premises with intent to commit arson and worked as a law instructor in Police recruit 3. A sellers conveyancer will obtain copies of the deeds • Adverse search results which result in further both were committed for trial at Leeds training at the regional police training In addition, once sent to prison on (Official Copies) , these can usually be obtained quickly Assizes. remand or on sentence their strategy was to centre, Ryton-on-Dunsmore, and also investigations trained Immigration and Customs officers. from Land Registry take advantage of the “Cat and Mouse Act” • People simply changing their mind about moving Unfortunately for the Doncaster force, John then became a Senior lecturer in and either threaten or begin a hunger strike 4. A sellers conveyancer will then prepare and send a the young woman who gave her name which then usually forced the authorities to Policing at the University of Northampton. The team at Home Property Lawyers can help guide you as May Denis was in fact a well-known contract, your completed Protocol forms and Official free them from prison. through the conveyancing transaction. We will work with suffragette called Lilian Lenton, a prominent This article was first published in Copies to your buyers solicitors activist in the WSPU. Together with Lilian Lenton duly went on hunger strike the Police History Society Journal. The you, the estate agent and the solicitor on the other side to another suffragette, she had set fire to the at Armley gaol in Leeds, until she was Society is a registered charity which 5. On behalf of a buyer, a buyers solicitors will raise ensure your move proceeds smoothly and quickly. tea house in London’s Kew Gardens in released to a safe house pending her trial. aims to encourage interest in the history enquiries regarding the property which your February 1913 and had been sentenced Doncaster detectives were positioned at the of policing. It has an annual conference Once you decide to proceed you can help the transaction get conveyancer will discuss with you and respond to to 18 months in prison, where she went on house to ensure that she did not escape, and offers small grants for research. off to a good start by fully completing and returning forms, hunger strike and became seriously ill with Membership is open to anyone and costs but Lenton was experienced at foiling the 6. A buyers solicitors will request searches against the providing information requested, your money on account for pleurisy before being released quietly and police and, dressing up as a man, she £10 a year. Details on their website at www. property, the results may prompt further enquiries third party expenses & evidence of your identity. without publicity by the authorities. policehistorysociety.co.uk

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FROM BANK Computer Know How I run Windows 10 on my Lenovo I would be grateful if you could Windows Movie Maker or VLC (or iMovie, if HOW MUCH COULD YOU BE OWED? Ideapad. I just use E-mails, advise me on the above. you are on a Mac). A how-to guide is here: general surfing, view YouTube https://goo.gl/8mNwln I have Windows 10 (32 bit) and Q videos and use Word. I really am Q it comes with windows defender Although fixing it isn’t particularly difficult, a computer amateur. anti virus. Is this sufficient for a home some of you may be left wondering – why Some of our recent upheld PPI claims for NARPO members TIME IS RUNNING I have just responded to an on computer for banking etc. or is a more does it happen? To put it in laymen’s terms, screen message to update Windows substantial programme required. I had a holding the device sideways (or even OUT, A DEADLINE HAS Mr A awarded over £16,000 from Lloyds TSB for mis-sold PPI 10. I allowed the update to start,left my free trial with ES ET which seems quite upside down) is the same thing as holding a on his loans laptop switched on at “0% complete” good and not too bad a price, or do camera rotated portrait (or upside down) – BEEN IMPOSED and walked away,returning two hours you have any other one that you would the pictures will come out rotated as you are Mrs M awarded over £11,000 from Santander for mis-sold PPI later and found that I was stuck in a recommend. effectively holding the camera in a rotated on her store cards system requiring me to enter a new pin position. The motion sensor in the device There are multiple free antivirus With years of experience in the Payment Protection Insurance seemingly to allow me to use Cortana. detects that you are doing this and applies programs we recommend, but the mis-selling business, we’ve claimed refunds for people all over Mr M awarded over £3,000 from MBNA for mis-sold PPI I was confused by this and chose only metadata to the image (a small piece of best I can recommend is Avast, on his credit cards to enter my laptop password which was information that says “rotate the file the the country. Having helped a number of serving Police which I have supplied a link for accepted.However I had lost my start A correct way up!”) however when transferring Officers, we didn’t want NARPO members to feel left out. Even below. now, with the widespread press coverage, a huge number of Mr D awarded over £7000 from First Direct for mis-sold PPI button and could not switch off. After files this information is sometimes lost in on his Loans repeated attempts to get out of this Avast: https://www.avast.com/en-gb/index transit, so on playing back the video may people still haven’t investigated whether they have been mis-sold situation I have managed to regain some appear “the wrong way up”. For additional security, we also this insurance, and are due a refund. Many are even unaware that measure of normality, I have my E-mails Mr M awarded over £7040 from Barclays for mis-sold PPI recommend that you install Malwarebytes If editing files afterwards isn’t your cup they had taken it out, whilst others felt pressurised into purchasing back, I can surf again and get access to on his credit card as well. Malwarebytes isn’t an antivirus as of tea, you can prevent this from happening YouTube and Word which is all I need. it. At Active Credit Reclaim we realise that some members of the such, as it is used to remove any infection in the first place by using a transfer method Also the start button is there again. public are a little daunted by the thoughts of dealing with a claim Mrs H awarded over £16,500 from M&S Bank for mis-sold PPI from your computer, that may already be that respects all metadata attached to the themselves. Some are too busy, or cannot find any paperwork. If on her personal reserve & charge card However my screen backround is there or slips through. I have also supplied image. For iOS one that works very well is you have EVER had a credit card, bank loan or HP you may have now black with white letters and I do not a link for Malwarebytes below; called “Photo Transfer App” – it costs a few Mr M awarded over £4,400 from HSBC for mis-sold PPI know how to get the white backround pounds but it respects all edits and rotations been sold this insurance, and if Payment Protection Insurance was https://www.malwarebytes.com/ on his loans back.After googling this problem I to images made on an iPhone/iPad. mis-sold to you, the lender may owe you £££££,s! wonder if I have fallen victim to some form of scam. Have you had a Barclays overdraft? A friend has changed his email FREQUENTLY ASKED QUESTIONS Barclays added PPI to a huge number of overdraft facilities. As I compose this I have experienced One NARPO member was awarded over £5,500 for the mis-selling address & I’ve deleted his old “I’ve had loans and credit cards in the past but I don’t have some invasive voicing of this text which one in the contacts section but of this insurance on his current account. them anymore. Can you still help?” has now gone again??!If you can help Q when I type in the 1st 3 letters Zoom Tips me I would be very grateful. of his name in the ‘To’ section of a new Yes, so long as you can remember who you borrowed from we will Paying a fee for your bank account? apply to the lenders at no cost to you, and ask them to send us I am not sure exactly where your message his old one comes up too. Can You can zoom the screen by Millions of people have been sold or upgraded to a fee paying packaged I do anything about that? details of all loans and credit cards you have held with them. Once bank account (PBA). If yours was mis-sold, you could be entitled to a screen is black with white letters but pressing the CTRL key on your we receive this information we will update you with our findings. refund. Mr P recently received over £6,500 from Lloyds. I will take a guess. Are you using Outlook? If you are keyboard and scrolling with the A then when you start typing in his mouse wheel. This will zoom in 1. Open Settings > Personalisation > email in the ‘To’ section you should on a web page, word document, “I’m pretty certain I’ve always refused this type of Colours A see a cross next to the email or email and make all elements insurance in the past. Is it still worth investigating? 2. Change “Choose your default app mode” address. If you click on this that appear bigger. Yes. Many people tell us that they don’t think they have been sold PPI to Light. should remove this email from your list. To find out more - You can do the same on a Mac, in the past, but often we will find evidence that clients weren’t aware If that gets things sorted, it’s most likely Member reply: Thanks! I’ve done it for and if you have the trackpad, of. It will cost you nothing for us to find out for you. You may be call us: 01707 649 665 an issue with the last Windows update. another friend too. So easy when you know using the pinch gesture will what you’re doing. surprised. PPI was more actively sold from the late 1980’s until 2005. The voicing might lead back to the zoom in and out. Place two or 01707 649 688 same issue: Windows as a Text-To-Speech iPad videos download in sideways fingers “pinching” on the How much does your service cost? function which might have been enabled. format. trackpad, and move them Email us: [email protected] We charge no upfront fees whatsoever. If we investigate your lenders Member reply: Many thanks for your Recently, a member wrote in asking us outwards to zoom in. Move them and find no evidence of PPI being sold to you, we will advise you and or go to activecreditreclaim.co.uk and “request a call back” help.I followed your advice and I was why the videos from his iPad appeared inwards back towards a pinch close the file. There is no charge for this. Our success fee successful.Without your help I would not rotated 90 degrees once downloaded, position to zoom out. It’s exactly have known where to start so thank you despite playing fine on the device. There (20% +VAT of refund) is only payable IF we win your claim. If we do not Remember, we are here to help YOU!!! the same as the gesture on a very much again. win, you owe us nothing. are various ways to fix it, including using phone or tablet screen. Active Credit Reclaim: 45a The Broadway, Darkes Lane, Potters Bar, Herts, EN6 2HZ 28 NARPO NEWSRegulated Email: by the [email protected] Management Regulator with Website:regards to Claims www.narpo.org Management Activities. 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6488_Benenden_PressAd_NARPO_210x297.indd 1 13/07/2018 14:59 FINANCIAL MIS-SELLING

Contents NARPO MEMBERS “HAVE YOU BEEN A VICTIM?”

OVERSEAS PROPERTY Westminster Corner Westminster INVESTMENTS

MORTGAGE FOR INVESTMENTS

MORTGAGES

FILM TAX SCHEMES

ETHICAL FORESTRY

WESTMINSTERCORNER PENSION TRANSFERS

INSTANT ACCESS PROPERTIES The late Harold Wilson, the only other Prime Minister to fight an EU Referendum, famously said, ‘A week is a long time in politics.’ At the time, Wilson urged the public to TIMESHARES vote for remaining in the EU, despite several of his Ministers being wholly opposed to it. We have been serving Narpo members since 2011 and pride ourselves on the He was certainly no great advocate government in crisis, and a potential protocol as endorsing such lewd rela�onship built between us. It seems unjust that you have put your trust in himself, seeing Europe as ‘a threat to leadership challenge. However, with behaviour, when it would and should “professionals” only to see your hard earned money evaporate, whether you have been wrto ngly advised where to invest British sovereignty’. Nonetheless, the a matter of months to go before this have been easy enough to clarify. It ‘reluctant European’, as Alan Johnson hugely complex process comes to is symptomatic of a greater malaise your commuta�on/tax free cash, tried to fulfil a lifelong dream of owning a second/holiday home or been wrongly called him, negotiated a new deal with a head, even the hard-liners in the within our society that political Europe and successfully advocated Conservative Party will be aware spin and wilfully misleading media advised with your mortgage arrangements, we are here to put right the wrong. If you have suffered financial loss, the benefits of EU membership, or of the spectacular self-sabotage outrage can pollute, undermine please call; all may not be lost. Please read on for a few examples of the areas we cover the EEC as it was in 1975, to the to future electoral success a and compromise essential political electorate. government collapse would be. checks and balances. In this particular case, the defence of democratic and At the time, Labour had come Understandably, the lion’s share Mis-sold mortgages Mis-sold overseas Mis-sold Investments Instant Access Parliamentary process. to power with the promise of of Parliamentary debate has been (Residen�al) property Savings Proper�es a referendum on continuing focused on the exhaustive and Without proper debate from our membership of the EEC, which fatiguing subject of Brexit. In the elected representatives, how are we A mis-sold mortgage can appear in This can consist of losing deposit Many police officers were advised to From 2002-2008 instant Heath’s Government had joined just midst of it, the government has to correctly assess consequences various guises, it can range from monies for proposed purchases speculate with their savings/re�re- access proper�es held 2 years earlier. Wilson suspended been keen to show their hand is and outcomes from such things Cabinet responsibility, allowing still very much on the tiller with passing into law? On the face of it, being advised to take your which either never started or did ment commuta�on. Whether it was a seminars across the UK senior politicians in his own party to other announcements on the NHS, it’s easy enough to assess. But the not get constructed/completed. bank or financial advisor, they had a mortgage with a “sub prime” lender promising riches through campaign against it. Inevitably, the and changes to the law. The news issue is not this particular perverse Popular des�na�ons including duty of care to assess a�tude to risk (i.e. Kensington, GMAC, Pla�orm property investment in the split in the Labour Party on the issue on NHS funding increases was behaviour becoming legislation, but Italy, Dubai, Florida, Morocco and and whether you were a cau�ous, etc) when a “High Street” lender UK and Overseas, deposits was as much in the news as the widely welcomed, but underlying rather whether our laws are passed Spain are amongst those mis-sold. balanced or adventurous investor. would have been more appropriate were paid & lost, investors referendum itself. Sound familiar? this announcement was an almost through popular acclamation or You may have a Spanish mortgage He�y fines have been levied against whispered revelation that this would reasoned argument. for your lending requirements, or to were duped into purchasing Forty-three years down the line, which set a floor “Suelos” interest HSBC, Lloyds, Barclays & Santander be funded by an increase to either and we find our current beleaguered After all, whether leave or remain, recommend implemen�ng an with many financial advisors inves�- “overvalued proper�es”, tax or national insurance; either way, rate, if you have overpaid on your Prime Minister in much the same isn’t this lack of awareness and interest only mortgage with no membership fees, monthly nothing come from nothing. In recent interest this can now be gated for these breaches. If you have position. Her long week has seen the debate a large part of why we’re in this months, where it was revealed that documented form of repaying it challenged from the �me of lost money through any investment subscrip�ons & finders fees resignations of both the Brexit and whole Brexit mess in the first place? the average Brit is now having to (please note this is not applicable purchase to the complaint date to or are unsure if you received the all contributed towards Foreign Secretaries over perceived work for over half the year to pay

for Buy to Let mortgages) obtain a refund. correct advice, please call us. this property purchase scam. weakness in negotiations with their tax, this news hardly advertises Europe, and concessions deemed the greater benefits of being without

far too accommodating to achieve the EU. the fullest dislocation from Europe In recent months, where it was demanded by the hard-Brexiteers In other news, Sir Christopher revealed that the average on issues such as immigration, the Chope MP hit the headlines for Brit is now having to work for ‘‘ To find out more call: 01707 649 665 or 01707 649 688 customs union and future relations objecting to a Private Member’s ‘‘ over half the year to pay their tax, with the EU. Bill to make ‘upskirting’ a criminal Email: lucrefi[email protected] Web: www.lucrefinancialclaims.co.uk offense. It will be remembered in the With the March 2019 deadline this news hardly advertises public consciousness as supportive Our fee is 25% + VAT of any monies received. We are in the results business - if a se�lement is not achieved “you pay nothing” for Brexit fast approaching, the of indecency rather than a defence the greater benefits of being July Parliamentary recess can’t of Parliamentary process. However come soon enough for the PM. without the EU. Please call to discuss any form of financial product you feel may have been wrongly advised unfair, politicians and media alike Westminster is rife with talks of a framed his defence of sensible Lucre Financial Claims is a trading style of Ac�ve Credit Reclaim Ltd: 45a The Broadway, Darkes Lane, Po� ers Bar, Herts, EN6 2HZ 32 NARPO RNEWSegulated by theEmail: Claims [email protected] Regulator wi t h rWebsite:egards to Clai mwww.narpo.orgs Management Ac�vi�es No: CRM4083 0 NARPO NEWS Email: [email protected] Website: www.narpo.org 33 Wellbeing & Health It’s more than just fly fishing

Fly fishing for your quarry you are always On retirement from the police Leisure after the Police mobile. Luckily the tackle required is minimal, service after 30 years, I moved a rod, reel, net and a fly or two so mobility is from a working environment of not impeded lugging around heavy bags of kit. I’m always well over my 10,000 steps by many friends and colleagues the time I finish a day’s fishing. around me to getting up in the Then there is trying to catch that trout. morning with no real structure Commonly called “matching the hatch” it is A beautiful brown trout to my week. the skill of working out what the trout are eating and then presenting that fly on the water. This takes concentration and patience and keeps your mind active and sharp. Very quickly, my wife made it plain that The environment you are fishing in, I was interfering with her routine, which whether on a river or lake, either in a meant “getting in her way”. Most of my town, or deep into the countryside you friends were still working so I had to fill my are surrounded by nature, peace and days, it actually got a bit lonely. tranquillity. Even in town the hum of traffic One can easily see that moving from a is “zoned out” and you relax. Stress simply high octane career in policing to a life of disappears. I found it to be the perfect way retirement can cause loneliness, depression to unwind after a day dealing with some of The end of the day at our lake and boredom so I decided to spend a lot the more gruesome aspects of policing that more time fly fishing. Although punctuated I often faced. equipment you can test it on the water. with children and work, I have fished on and This is important as you need to match off through my life so when I got a part time the equipment with your personal casting job at Sportfish in Theale it was actually action and budget. After all, would you buy something I knew about, and it has helped a car without a test drive? Of course not. me learn a wealth of fly fishing information. Like many other fishing retailers, We cater for fly fishing for trout and independent instructors and fishing venues salmon but It doesn’t have to stop there, across the UK, you can chat to, and learn you can also fish on the fly for fish like carp, from, people who simply want you to enjoy barbel or pike. Many go salt water fly fishing the sport as much as they do. on our coasts and around the world. The fly With fly fishing you will widen your circle fishing adventure can be as small or large Casting lesson of friends, go on new adventures and as you want it to be. keep your mind and body fit and healthy. Finally, there is the art of fly tying. A Fly fishing isn’t just an enjoyable past time It presents a whole new area of challenge whole new challenge, demanding dexterity, you can take up in retirement, it has other and opportunity. So if you find yourself attention to detail and imagination. Tying a great benefits to health and wellbeing. I have in a rut give it a go. fly that resembles the real thing, and then observed both ladies and gentlemen build up Wherever you are catching a fish with it; that it is complete new friendships through fishing at our lake, in the UK you can satisfaction. Fly tying is not as daunting as as well as going on courses and trips. contact us or your one may think, I learnt most of my skills local retailer and from the Internet! For those who want to hopefully we can get become far more proficient than me, there you well on the way are tying guilds, associations and clubs to improved fitness, that you can join who will give you all the wellbeing and above guidance you will need. all fun. Rainbow over 13lb How to get started Simon Bedwell caught at Sportfish Purchase one of the many monthly fly Ex-TVP - Sportfish fishing publications such as Trout & Salmon or Trout Fisherman. It will have a wealth www.sportfish.co.uk/ The art of fly tying of information on local fishing venues, retailers, and advice and guidance. Take Apart from the social aspect, engaging in an hour or two out of your day and come With proof of membership to a new venture and the challenge of learning and see an established retailer or instructor. NARPO you can enjoy a 10% something completely different brings a Like some other retailers we have our own physical and mental benefit to your health. lakes, so before you consider purchasing discount on goods at Sportfish.

34 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 35 Mortgage Advice Service Contents FREE to NARPO members and their families Wellbeing

wellbeingYour during retirement The key to having a long and happy retirement can start with your overall physical and mental wellbeing. There are three main ways to maintain an agile mind, through aerobic exercise, mental stimulation and a healthy diet.

Staying physically active improves your By staying physically active, you’re Your financial wellbeing is just as health and quality of life and may lead to a also more likely to stay independent for valuable as your physical health, so it’s longer life. It’s never too late to start being longer and have an improved confidence important to find time to effectively manage more active. A little activity every day can and self-esteem. Exercise also helps with your money and ensure you are getting the Why choose our make a big difference, but it is advised to be depression and anxiety and other forms of best value for items such as your energy Mortgage Service? active for 2 hours each week. emotional distress. bills, car insurance and other direct debits you may have. Money and mental health Exercise is also a great social activity If you haven’t done exercise for a while, are often linked, worrying about money can Our advice is free and it may lead you to make new friends, it’s always a good idea to start gently and negatively affect your mental health and whether this is a gym class, playing golf or build up gradually and increase this over affect the quality of your sleep. We’re totally independent tennis or just walking the dog. The best time. Please talk to your GP before starting and impartial type of activity is one that gets your heart your new exercise regime. A healthy diet can also benefit your pumping faster than usual and this could brain and nervous system. Foods high Exercise is also vital for mental agility. Over the past two years, our Mortgage Advice Service has helped over Access to the whole of the be an everyday task such as cleaning the in saturated fats, like cakes, biscuits or The more active your brain is, the better 6,500 people with their mortgage needs. mortgage market house or gardening. sausages, can speed mental decline. Other your memory is likely to be. foods, like oranges and green leafy Activity can reduce your chances of Exclusive deals which Use a variety of ways to keep your mind vegetables, oily fish or soya, are good for You may have to pay an early repayment charge to your existing developing conditions such as, heart aren’t available directly active, your daily mental work-out could the brain. lender if you remortgage. Police Mutual provides free mortgage disease, diabetes, osteoporosis obesity and include: advice and receives a commission from the mortgage lender which from the high street related health problems and some cancers. we use to fund this service. • Enjoy a puzzle, crossword or Sudoku Remember: • Read more – maybe join a local • Talk to your doctor before For more information: book club starting your new • Play games, like bingo, bridge, • Exercise regime chess or computer games 1. Call 0800 032 5333 • Go at your own pace • Stay socially active – join a local choir, 2. Visit policemutual.co.uk/mortgages gardening club or go out with a friend • Listen to your body We’re open from 8.30am – 5.30pm Mon-Fri • Start a new interest or hobby • Do little and often • Start a course, day or evening class – • Keep your brain active conversational Italian or first aid in various ways Mortgage Excellence Plc, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 03527577. •Continue working or do voluntary work • Think about your diet Registered office: Alexandra House, Queen Street, Lichfield, Staffordshire, WS13 6QS. • Regularly check your finances AWO000280 0718 36 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 37 From your Contents desktop to your Contents doorstep £100 cashback Exclusive NARPO Nationwide delivery member ^ on all cars offer Member Offer UP TO 4,000 USED CARS PRICE CHECKED DAILY, As a valued NARPO member you can now take As the National Funeral Trust is legally separate from advantage of our new member offer on Prepaid Dignity, no one from Dignity has access to the money in the COMPREHENSIVELY CHECKED Funeral Plans from Dignity. You will benefit from an Trust. 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Contents Right Role Our members often write in to recount their experiences of working after the Police. after the Police Reading the article about work after serving in the police brought back a lot of memories Ex-Metropolitan Police Officer, Graham Pritchard, for me. After I retired, following 30 years of recounts his experiences of finding a rewarding role very varied service postings, including dog After the Police Work section, motorcycle patrol, country bobby, after leaving the police. P.T.C. instructor X 2, Prosecutions etc, I went to a polytechnic college and did a I retired from The Metropolitan Police in I moved on to a similar role with another course in training management. June of 2008. I had completed 31 years’ authority but the shifts included contracted service as a Constable, the last 8 years as overtime which left just 10 days of every 7 After gaining my Dip.T.M. I became a Crime Prevention Design Advisor. At that weeks. I made the decision to move on again. a cashier at a headquarters of a major time, I had three of my children living at clothing company. I felt I was not suited to Returning to the police as a civilian home, the youngest being just four years of a working life in an office so changed tack was yet another error as I found the age. I still had a mortgage and there was a and became a shop assistant in a friend’s contact centre operator role was singularly necessity to remain in employment. T.V. and electrical shop. unrewarding (999 what is your emergency Going Call us I took the decision to retire as I felt I was does not relay the reality). I then went freelance delivering cars more likely to get another job aged 50 than for a couple of firms, one of whom also After several failed interviews, I was 60. I resisted the temptation to go into the employed me as a chauffeur for the again lucky to be given the opportunity private sector security industry which many Managing Director. In these capacities I to return to a local authority enforcement other Crime Prevention Officers had done in travelled throughout the UK. I then moved role with a council with rural areas where

through a before your the past as I personally felt the need to stay home and worked in a wood yard and then serious environmental crime (Flytipping) in the relative safety of the public service. in a home for delinquent adolescents. was an issue. Here, I found the rewarding

experience I had been looking for. A role Whilst accompanying one of the youths where I felt I was making a difference. to court I met a solicitor’s clerk that I knew With time on my hands, Collecting evidence, preserving the exhibits and he introduced me to a solicitor who was divorce? ex does. ‘‘ and interviewing suspects under caution looking for a runner. This led to more study to I now strike fear into the greenkeepers at my golf was about as close to still being a police qualify and, after passing the interview, I was ‘‘ officer as one can get. head-hunted by another solicitor who offered club, but I have reluctantly me better money. The job took me to man We’ve been working with the As many old coppers before and probably prisons and courts in the UK. Eventually, the Police Federation for over fifty accepted that I am unlikely others who will follow, my health had a May call outs and long days made me decide severe knock and I took the decision to take years – longer than any other firm. to be invited to The US that, at 65, it was time to fully retire before I early retirement aged 58. By now my police No one understands better the wore myself out completely. Masters in 2019. pension was index linked and mortgage unique pressures of police work, paid off. I had moved my Local Government I strongly recommend work after police I had started looking for opportunities and how to protect your rights – Pension around with me and that provides a service as it keeps the grey matter moving. about 6 months before my 30 years were useful supplement to the police pension. I am now 86 and sometimes wish I was still especially your pension. up, but found I struggled to sell myself as working and travelling. If you’re going through a divorce I was of the era when self-promotion was With time on my hands, I now strike fear or separation, we offer a free somewhat frowned upon by one’s peers. into the greenkeepers at my golf club, but I Sarah Thompson I am sure anyone wishing to continue initial consultation, fixed fee have reluctantly accepted that I am unlikely Peter Hyde Principal Lawyer working full time should avail themselves of to be invited to The US Masters in 2019 East Yorkshire - Humberside branch in Family Law packages and discounted rates any courses or advice on applications and as an amateur and left it too late to turn Slater and Gordon plus give you access to some of interview techniques that are on offer. professional. the country’s best family lawyers After 12 months I was fortunate to obtain a post with the local authority where I was Here are some simple tips to help with interview preparation. If you think we could help, call us on stationed. It involved engaging in a fairly 1. Do a practice interview. A practice about the interview format, so you know 0808 175 7710 wide range of enforcement areas including interview will not only help settle your nerves, what to expect on the day. illegal street trading, inspecting markets, it’ll help you to realise how prepared you are 4. Plan for the interview day. Double- slatergordon.co.uk/police-law waste offences and other highways issues. to answer the questions. Get feedback from check the time of the interview, where it My previous role as a response officer of 22 a family member or friend. Offices throughout the UK. years provided the skills the council sought will take place, and how long it will take to as well as giving me the reassurance of 2. Read the job specification and job get there. Plan your route and your leaving being in my own comfort zone, even though description again. Familiarise yourself time, giving yourself plenty of time to get it involved night shifts once again. once again with the job description and there without feeling rushed or stressed. person specification, as well as your CV Make sure you take a note of their phone My one mistake was to make the and/or application form. number in case you’re running late. decision to move on to another authority when the 2008 crash caused a lot of 3. Do some background research. 5. Prepare your outfit. Pick out what restructuring and the worrying murmurings Knowing a few key facts about the you will wear and have it ready. Try it on in of ‘last in first out’. There was finger pointing organisation can really help in the advance to ensure it fits properly and looks and the muttered remark ‘he has that big interview. It shows you have made the suitable for the interview. police pension, why is he here?’ effort to find out more. You should also ask Age UK 40 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 41

Authorised and Regulated by the Solicitors Regulation Authority.

Contents what’s on? 6 The Manchester & District 1

Police History Society On What’s Branch - 40’s Swing Night!! Conference Hough End Centre, (GMP Sports & Social Club), Honest Lawyer Hotel, Croxdale Bridge, Durham, Mauldeth Road West, Chorlton, Manchester M21 7SX. Friday 21 September to Sunday 23 September Friday 17th August, 7pm for 7.30 pm Speakers include Harry Wynne: Featuring music and dancing to songstress Maria The story of the North East Police History Society; Manchester. See for yourselves at Prof Clive Emsley: When Bobby met the Mafia and http://www.mariamanchester.co.uk/ Dr Pete Moore: Sex and drugs were not Hot and cold buffet will be served!! invented in the 1960s. Dig out your trilbies, pinnies and The after-dinner speaker will be Norman Kirtlan with headscarves and let yourselves go!! his illustrated talk Death and other dark places The cost to Members and The conference is open to both members and Spouses/Partners is £10 per head. non-members of the Society. The cost is £240 All others £15 per head. (single) and £320 (couples), which includes 2 nights’ Places are limited so don’t accommodation in the 3-star hotel and all meals miss out - let us know you from Friday dinner to Sunday breakfast. want to come via email to Day rates, with or without the Maureen Graham at Conference Dinner, are also available. [email protected] Bookings can be made until 22 August by contacting Mike Vince, Conference Director at [email protected] or visiting the PHS website www.policehistorysociety.co.uk

1 5 Huddersfield 50th 2 Cyprus Anniversary 2 Police Reunion Police Reunion Park Manor Hotel, Briar Court Hotel, Halifax Road, Northstead Manor Drive, Birchencliffe, Huddersfield 5 Scarborough, YO12 6BB Sunday 7th October 2018 6 Monday 8th October, Three course Sunday lunch. 6.30pm for dinner at 7pm Non-branch members welcome. Telephone: 01723 372090 Discounted hotel accommodation available. 4 Come and meet old friends and colleagues for an excellent lunch and pleasant afternoon with good company. Please contact Secretary, Terry Jepson for more information. Email: [email protected] Telephone: 01484 662478

3

3 4 10th Wigston Sub-Div & Bournemouth Borough Leicestershire Traffic Div Reunion Reunion 2018 Wigston Liberal Club, (opp police station) Free Coffee Morning Friday 26th October 2018, 7.30pm. The Hamworthy Club, Magna Road, We extend an invitation to all former Traffic Div and Southern Canford Magna, Wimborne BH21 3AP Div officers, as well as former officers living in the South Monday 1st October, 10.30am Leics area, to our regular get together. Usual buffet, free and (PLEASE NOTE THE CHANGE OF VENUE) charity raffles and famous ‘silent’ disco. No speeches, just a Those who wish to stay for lunch are welcome to meeting with old friends. do so. Approximate numbers who are attending Cheque for £10 (payable to Wigston Sub-Div Reunion) to are required. John Thomas, 3,Grafton Drive, Wigston. Leics LE18 3WT A general mail will be sent out nearer the time or e-mail [email protected] for information. requesting confirmation of attendance. Receipt if e-mail address enclosed with payment. Numbers Please contact Stella gardner9877@yahoo. limited & unable to accept co.uk or telephone number 01202 280621, payment on the night. if you require further information 42 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 43 The Police Treatment Centres behind the scenes. Unique police humor Truth Stone and a large dose of sarcasm pepper the AUTHOR: A charity providing treatment, support & recuperation for injured and ill police family members. dialogue, resulting in some light hearted Michael O’Byrne humour during some very stressful and ISBN-10: 0719826578 shocking incidents. ISBN-13: 978-0719826573 We are now half way through the year donor and continue to donate as in 2016 so it really is in good order ‘DCI Stone’s life just Contents at the time of writing, the sun is shining, you transition to retirement, you with the latest equipment. I should seems to be a series of Operation and both our Centres look fantastic. In do not have to wait for 12 months also point out that you can also bring mistakes. Investigating 2017 we treated almost 3300 police before applying for treatment at the your partners with you. There is a the abduction of a young Countryman: patients at both our Centres, and 311 PTC, but can apply immediately. small charge if you do wish to do so, girl, she ignores the rights of the suspected The Flawed of them were retired officers. We are on I would also imagine that when I talk but If your partner is in receipt of a Book killer in favour of the rights of the girl’s Enquiry into Book ‘em! track to do even better in 2018, and about the PTC, much of the NARPO Carer’s Allowance, then we waive the family to know what has happened to I am a firm believer that our centres are readership automatically thinks of charge that we would normally have her and where she is buried. When London Police the killer takes her to a second body, here to be used, so I would encourage our centre at Harrogate, but I would made. We continue to engage closely instead of plaudits she finds herself under Corruption all of our Retired Officer Donors to not remind everyone that we also have with the NARPO Executive team, the investigation by the Independent Police AUTHOR: Dick Kirby simply sign up to donate to the PTC, a wonderful centre at Auchterarder new(ish) President and Vice President ’em! Complaints Commission with the threat of ISBN-10: 1526712547 ISBN-13: 978-1526712547 but do please apply for admission for in Scotland (near Gleneagles for of NARPO Brian Burdus and Richard being sacked. In the summer of 1978, rumours emerged treatment when you have a clinical the golfers amongst you), and as The NARPO NEWS round up Critchley visited our Harrogate Centre Thinking it will give her some respite from from the underworld that huge sums need. We now have almost 3600 retired both Centres are part of the same in January of this year, and Alan Lees of the latest CRIME reads her greatest critic, the force’s Police and of money had been paid to the City of Officers who donate to the PTC, and charity, you can also request to the DCEO of NARPO continues to Crime Commissioner, she chooses to London Police to water-down evidence although the minimum sum that we go to Auchterarder if it suits you remain an active member of the PTC Get your copy: investigate the cold case murder of the and arrange bail in cases of armed require you to donate is a mere 65 better, or if you wished to combine Board of Trustees. Thank you to all robbery. Then it was suggested that Patrick Cairns, CEO PTC All of the listed books are available Commissioner’s cousin. Instead of making pence a week, more than half of these a stay for treatment with some NARPO members for your service and via online retailers, or you could ask life a little easier this takes her into a Scotland Yard’s Flying squad was also donors voluntarily elect to donate personal travel. You will get exactly your support of the PTC, and please your local book store by quoting the complex web of child sexual exploitation, involved. The Home Secretary appointed more than this. As a reminder, if you are the same standard of treatment if you are not already a donor, get Sign up to donate to the Police relevant ISBN reference. NARPO political and police corruption. Just when the Dorset Police to investigate but it already retired but not donating, we and care at Auchterarder as you signed up, and help us to help you. Treatment Centres now for 65p does not stock these books. she thinks she has got a result on this, the became clear to the criminals upon whom ask that you pay your donations for 12 would at Harrogate, and indeed If you do ned any more information, per week, and help us to support murdered man’s killers return, and she they relied to provide evidence that they months before applying for treatment. the centre opened a new state of please give us a ring, or have a look at you through retirement. needs to put herself in the line of fire to were completely out of their depth. One However, if you were a Serving Officer the art Health and Fitness complex our website. protect their intended target.’ line of enquiry after another became hopelessly compromised. Despite a four-year enquiry costing 4,000,000 just A Bullet two convictions were secured and the credit for these went to an undercover for Me officer. Eight Metropolitan policemen were Bed & Breakfast for members of the police family Charity AUTHOR: acquitted. The Author, a former senior Terry Atkinson Metropolitan police officer has used his Rooms are available for the remainder of this year up to and including the weekend of 14th December at Lottery BOOK ISBN-10: 1977068235 knowledge and contacts to lift the lid on ISBN-13: 978-1977068231 Castlebrae (Auchterarder) and with more limited availability at St Andrews (Harrogate). Check availability The Police Treatment Centres the shambolic COUNTRYMAN enquiry. and book on our website. 2018 rates: £100 double/twin or £80 single (Friday & Saturday nights inclusive). OF THE Charlie Payne is a retired MONTH detective inspector. His Save the date: 2019 booking “The PTC is our inclusive) to enable us to continue brother, Steve, is a hapless ex-Royal Marine Something opens on 1st October! to meet costs and maintain the On target to make 500 with an obscure past, who has not worked happy winners Due to ever-increasing interest in favourite. It is level of support to the charity. since his only son died of barbiturate Has Gone B&B at the Centres we are opening Running for his Lives peaceful and We believe that these rates will In December we poisoning. When Charlie is paid a visit by next year’s bookings earlier this year will celebrate AUTHOR: Cliff Comber an old adversary intent on revenge, his wife Wrong: continue to represent a very on 1st October. relaxing. All staff reaching the intervenes, with life-changing consequences Dealing with the fair price for the standard of milestone of 500 Dennis ‘Dutch French’ was determined to for all. When they learn that the intruder accommodation we provide to our Brighton Bomb Since starting out 5 years ago, B&B employed here are winners during rid himself of the nightmare memories of was acting on orders, they realise that AUTHOR: and associated hospitality has raised police family guests and remain the lifetime his childhood; orphaned as an infant when the situation is far from over and Charlie Steve Ramsey friendly and helpful ISBN-10: 1785903365 ISBN-13: 978-1785903366 over £250k for the PTCs with all tremendously competitive in the of the lottery. his father is killed in action, his mother’s decides to take the fight to his enemies. 12 October 1984 is a day seared into revenue going directly back into and we cannot wait B&B marketplace. We look forward Retired Officer Joanna McKinnon subsequent suicide had a profound Steve, uninvited, brings his dark skills to the British memory. Early that morning, an IRA the charity to support facilities to welcoming guests both old and was a recent winner: effect. Constant bullying and humiliation, table and although the brothers have the to come back!” combined with a disadvantaged lifestyle bomb intended to kill Margaret Thatcher and treatment. Many guests have new and to continuing together to “I can’t thank the staff at the same goal, their methodologies collide, with throughout his early years, caused his and her Cabinet exploded inside Brighton s returned time after time and we For the 2019 season we will be make this such a positive aspect of centre enough over the years for shocking outcomes. Grand Hotel. know from their feedback how increasing our room rates for the our fundraising for the PTCs. Thank the kind and caring attention I behaviour to deteriorate and cause Amidst this appalling tragedy is the much B&B has been enjoyed over first time to £120 double/twin and you to all NARPO members who received on all my visits. I joined concern. However, all was to change when inspiring story of strong-willed and resilient the years. £100 single (Friday & Saturday nights support us with this venture. the lottery as I wanted to give following in his Father’s footsteps, he Just when something back to the centre joined the Army, immediately enhancing people who picked up the pieces and and can’t believe my luck on his life. Due to an unusual but fortunate you think you carried on. Far from being cowed by fear, this occasion receiving the assignment, he meets and marries politicians, police officers, fire fighters and monthly prize.” Melanie. During years of happy marriage are winning hospital staff became the heroes of the and a long, distinguished military career AUTHOR: day, stepping up and getting on with the job Join for as little as £1 using the a number of near- death experiences at hand. Indeed, the Conservative Party online form on our website or Martin D Richards fuel an inward belief regarding the myth ISBN-10: 1540450201 conference continued and the government ring the hotline 0370 058 5957. of nine lives. His sought-after peace is ISBN-13: 978-1540450203 resumed business as usual. Don’t forget that anyone over subsequently shattered when his wife is A selection of true stories from the In Something Has Gone Wrong, journalist 16 can play the lottery so do viciously assaulted and raped, triggering a initial training of a hostage negotiator to Steve Ramsey speaks to those who recommend it to your friends series of fatal events, changing their lives international deployments. A range of were there on the day and involved and family! forever. incidents including suicide interventions, in its aftermath, many of whom have never spoken publicly about it before. www.thepolicetreatmentcentres.org Join online at www. barricaded criminals and overseas kidnappings. All incidents recalled include Incorporating fascinating new insights and The Police Treatment Centres Castlebrae, Castleton Road, Auchterarder, Perthshire PH3 1AG thepolicetreatmentcentres. GET IT: org/fundraising/lottery or call ISBN-10: 1788481739 the actual dialogue used with some revelations, Ramsey has produced a unique St Andrews, Harlow Moor Road, Harrogate HG2 0AD Call: 01764 664 369 the hotline on 0370 058 5957. ISBN-13: 978-1788481731 tricks of the trade and the actions taken and vivid portrait of this shocking event. Call: 01423 504 448 Email: [email protected] Registered Charity number 1147449 OCSR SC043396 Companies House No. 07822534 44 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 45

S_1485-PTC NARPO advert-July2018.indd 1 06/07/2018 14:59 Unique Healthy Meals Service Makes Freezer And Fridge Obsolete What’s your Tipple What's your tipple Wholesome tasty meals to your door Getting the most out of a bottle of wine is really quite easy and is something • No freezing required, keep in cupboard, long shelf life. we all look to do. There are exceptions to all rules but if you follow these simple • Easily heated in the microwave guidelines, you’ll enjoy that well-earned glass of wine all the more. • Only wholesome ingredients • No subscription Made in UK

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x2 x2 x2 Each meal only £1.99 Fact or Fiction - Know what is right about LPA’s 2 x Cottage Pie 2 x Lasagne 2 x Chilli Con Carne We all like to look after our own money. It’s a choose people to manage your Property and tion of not making an LPA in your lifetime can characteristic that stems from our childhood from Finances or your Health and Welfare. Here, we then create a dispute post death which could have the pennies (or now pounds) that the tooth fairy discuss the Property and Finance LPA in more detail. been entirely avoidable. brings us as children, to our first wages, saving for x2 x2 PLUS PLUS Our customers love us In a data protection and security heightened world our first house and beyond. Similarly, please do not presume that if you are (we have all had the GDPR emails and failed married or in a civil partnership that LPA’s are The thought of handing over responsibility to security due to the wrong pet’s name being quoted unnecessary. They are still needed. 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Valid Expiry Security No. “We help clients regularly with LPA’s, please call Rebecca Harbron Gray & her team on 0191 3895198 0800 612 7225 from if you would like some help or advice quoting your NARPO membership” and quote NN2 Phone lines open 7 days Signature Real People. Really great lawyers. Address envelope to: FREEPOST ParsleyBox (NN2) (no stamp required) www.gblf.co.uk | T: 0191 389 5160 or FREEPOST coupon or: ParsleyBox (NN2), 44 Melville St, Edinburgh, EH3, 7HF (stamp required) Please advise if you do not wish to receive further special o ers. Reg no. SC561983 46 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 47 Contents Bringing the A Visit to Vienna Review to Vienna Visit A TOP FIVE world closer SIGHTS Award-winning Fred. Olsen Cruise Lines are offering NARPO members a very tempting 10% • Historic Center of Vienna membership discount* on your first sailing with them – and that’s on top of any current offers. • Schonbrunn Palace A visit to • Imperial Palace (Hofburg) Existing Fred. Olsen customers can save 5%, in addition to their 5% Loyalty Club discount. • Belvedere Palace Museum Vienna • St. Stephen’s Cathedral

NARPO members can enjoy a free stay in an apartment around all the main City sights, including in Vienna, thanks to a generous NARPO supporter. Kath the Spanish Riding School. This was an excellent way to see the City and stress Bainbridge-Keith shares her experience of visiting the city. free for us.

A flight from Edinburgh with Jet2 and vegetables. There are many places to eat The beautiful Cathedral is worth a visit we arrived in beautiful Vienna, capital of and drink and I would recommend a visit. and, for a combined entry fee, you can visit Austria. A pre-booked Limousine with Sun all parts including the roof tops. They even Travel for 35 Euro brought us to apartment During our stay we made use of the do evening visits; I would imagine that the B and, as the only 2 guests, there we had U-Bahn, the underground train network. City at night is a wonderful sight. the full run of the building. We caught the U-Bahn from Volkstheater into the City and walked to Belvedere. During our stay we caught the UBahn We contacted the caretaker beforehand The Belvedere is a historic building to the railway station for the 10.16 train to to let him know that we would not arrive complex in Vienna, Austria, consisting Bratislava, Slovakia. until after 8pm. He agreed to wait for us at of two Baroque palaces. We visited both We caught the No 93 bus to the city. The the apartments for a small charge as he houses and the souvenir shop, where there bus dropped us at the bottom of the Castle usually finished work at 6pm. was a great display of Klimt art. Hill and yes, it is a hard walk up to the top, The apartment building is spectacular. We left via the bottom entry gates near but well worth the spectacular views. We Built it 1706, it has with many original to the Polish Catholic Church and enjoyed visited all parts of the castle. The Crown features still in place, including the 69 coffee and cake in a nearby café. We then Tower is 47 metres high and the Hungarian/ stone steps to the apartment. Upon arrival, walked back through the estate into the Austrian coronations were held there when we learnt that there was an orchestra in Botanical Gardens. They were very basic it was the capital. The English garden at the the other part of the building - Auersperg but they were free to enter. rear of the castle is well worth a visit. Palace. We enjoyed a week of Strauss, It was a great day but lots of walking and Mozart, Beethoven – all free of charge! We also used the U-Bahn to visit the Schwedenplatz right next to the Danube the sun was very hot but there are plenty of Our first day began with a 30-minute River. It is not Blue but Green! We bought bars and cafes to get refreshments when leisurely walk to the Naschmarkt, where tickets for two journeys costing 3 Euro each you need them. It is a small city, but the we bought all our meat, fish, fruit and (but you have to be over 63 to qualify). sights are worth visiting. We decided to walk along the We thoroughly enjoyed our trip to River Danube, we walked past the Vienna. We spent about 600 euro the whole Urania Hotel which is an iconic trip and that included buying all drinks and building. The walk along the bank tobacco. If you are thinking about visiting of the river was very interesting, Vienna and can climb stairs with ease then there were barges turned in this is the place for you. I would highly To book using your discount code NARPO10 call the NARPO booking hotline cafes, gyms and even an outdoor recommend these apartments to anyone. swimming pool that was blue! 0800 0355 108 or visit fredolsencruises.com/affinity/narpo Kath Bainbridge-Keith We looked at the options NARPO member since 2006 - Ex WYP and decided to take the three *All bookings are subject to Fred. Olsen’s (FOCL) standard terms & conditions, available on our website & on request. All prices quoted under the NARPO members discount offer are wheelie bike tour of the City. Our exclusive to qualifying members & their travelling companions only, members must quote their discount code at time of booking. Membership discounts cannot be applied retrospectively. Visit narpo.org to find out more about or to Bookings must be made via the booking hotline number 0800 0355 108. Proof of membership will be required at the time of booking. Offers cannot be extended to any unrelated third party, guide was wonderful and took us book the apartment in Vienna are subject to availability & may be withdrawn or amended at any time without prior notice. From time to time FOCL may run special offers which cannot be combined with this discount, including selected group travel deals. All guests booked under this scheme are requested to refrain from disclosing the fare paid whilst on board. Offer is for first-time cruisers with Fred. Olsen only. Fred. Olsen Oceans members are entitled to a 5% NARPO discount subject to the same terms & conditions, to be applied 48 after theNARPO standard Oceans NEWS discount, where Email: applicable. [email protected] this instance, Oceans Terms & Conditions Website: apply. This www.narpo.org offer expires on the 31st December 2018. E&OE. NARPO NEWS Email: [email protected] Website: www.narpo.org 49

FOC433995_FP_NARPO_A4_Ad_W/C.09.07.18_FV.indd 1 11/07/2018 13:18 Northumberland Website www.thecoachhousehawes.co.uk FRANCE Coastal cottage, Beadnell. Sleeps 4. brochure telephone 01969 667375 Bedrooms: main double bed, 2nd 4’ base, YORKSHIRE DALES Dordogne Peaceful, tranquil, holiday cottage, 3’ above bunk. Bathroom: hb/wc/over bath Molly Cottage, Ingleton. Sleeps 4. Stylish Dordogne. Sleeps 4/6. Ground floor:- shower. Lounge: twin settees, HD Freeview 18th century retreat in picturesque village, Holiday Lettings Open plan lounge/diner/kitchen. Bedrooms, TV/Video/DVD. Dining area: Fully equipped lovely restaurants and Waterfalls Walk a Holiday second small lounge on 2/3 floors. Private galley kitchen, washer/dryer. French doors few minutes away. Contemporary style court-yard. Spacious grounds. Table to enclosed garden. Double drive. Non- with John Lewis linen and cosy log burner. tennis/outdoor games/swings. Above smokers. Perfect base for walking, cycling and ground swimming pool. WiFi. TV. Tel: 07974 745624 relaxing. Lettings Tel: Campbell 0033 (0)553596878 2018 Email: [email protected] Contact Carole: 07974008476 Email: [email protected] Email: [email protected]. www.mollycottage.com www.gite-pechaude.com

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www.izzyminx.co.uk or www.hadrianswall-stanegatecottage. Email: [email protected] GREECE co.uk Cumbria - Kirkby Lonsdale Herefordshire - Ludlow ring www.homeandcruise.com Katigiorgis Superior cottage enjoying central location Cruckbarn - a unique ‘Grand Designs’ Luxury apartment sleeps 6, glorious sea hidden away in a peaceful courtyard. style oak-framed holiday-let in a peaceful View of Keswick and lake Derwent Water from Latrigg, Cumbria. Pembrokeshire views across to Skiathos 5 minutes walk 3 bedrooms(1 en-suite),parking & garden. woodland setting. Stunning views, fire- Cefn Du Holiday Cottages. Pet friendly, from beech. Idyllic Greek fishing village Newly decorated for 2016. pit, log-burner. Great selection of pubs, holiday cottages and newly converted tavernas,bar,mini-market,cafe.Fly into Chapel cottage boasts oak beamed restaurants, walks and historic sites nearby barn, 4/5 star sleeping 2/8 with secure Thessaloniki & drive down or by water taxi ceilings, & an open fireplace along with in beautiful unspoilt countryside. Sleeps 4-5 gardens set in 60 acres of beautiful from Skiathos. Exclusive to Police/NARPO. contemporary decorative design. No in 2 bedrooms. countryside close to the Preseli Hills, the Email: [email protected] smoking/pets. Narpo discount Contact John: 07989 975295 famous Pembrokeshire Coastal Walks www.southpelion-katigiorgis.com Tel:07968504065 Email: [email protected] and picturesque towns of Cardigan and St.Michaels Mount, www.chapelcottagekirkbylonsdale.com www.cruckbarn.co.uk Cornwall Carmarthen. NARPO Discount. Contact John Myatt: 01239 831530 Cumbria - Kirkby Lonsdale Email: info@cefnduholidaycottages. Cornwall - St Ives Located next to sister cottage Chapel co.uk for further information and Detached 3 bedroom bungalow at Riviere Lake District - Keswick Cottage. Renovated to designer standards, brochure. Towans, Hayle, 100 yards from long golden Hazeldene Bed & Breakfast completed in February 2017. Two-bedroomed Virtual video on www. sandy beach. Large lounge with TV/DVD. Accommodation. Superb location with gas fired log burner, and power shower. cefnduholidaycottages.co.uk Kitchen with washer, dryer, fridge/freezer, convenient for town centre, Lake Parking & Patio Area. Free wifi & BT Sport. microwave. Separate dining area, Sky 51” Derwentwater, Theatre and local walks. No smoking/pets. Narpo Discount. 3D TV, patio, BBQ. Sleeps 5. Unlimited Clean comfortable spacious en-suite SCOTLAND Tel: 07968504065 broadband. No pets or smokers. From bedrooms. Private Parking. Free Wi-Fi Old cozy street Freshwater Bay, Perthshire £500pw. www.cornercottagekirkbylonsdale.com throughout. Lovely views. See for yourself in Lucca, Italy. Isle of Wight on our live webcams New privately owned luxury lodge two Tel: 07840 761869 or 07563 698840 bedrooms(one en-suite) in quiet Lochmanor Tel: 017687 72106 www.cahayabintang.co.uk Dartmouth Park Dunning Perthshire.Features: Email: [email protected] Anchor Cottage is a cosy and recently Isle Of Wight Beautiful Perthshire countryside easy ITALY www.hazeldene-hotel.co.uk renovated victorian cottage situated in Retired Victorian railway station, nestled access to Gleneagles, Auchterarder (Police Tuscany West Cornwall - Mount's Bay the heart of Dartmouth. Close to lovely in the South of the island, converted into Cosy renovated 2 bed cottage (sleeps 3) in T.C.) Perth, Pitlochry and Dunblane etc. Stylish, rustic and romantic medieval restaurants and cafes and only a five enchanting cottages sleeping up to 5+1. fishing port of Newlyn. Harbour/sea views. Peak District - Bakewell Fully furnished., parking patio and T/V NO village house, situated in the foothills of minute stroll to the harbour and River Dart. Large secluded gardens.Spectacular views 2 mins to beach and promenade. Level walk Situated just two miles from the centre of SMOKING. the Tuscan mountains. Stunning location Parking pass included. Sleeps 3. of surrounding countryside with bridle paths to Penzance, Marazion and local amenities. Bakewell, Bolehill Farm Cottages comprises Contact Andrew Email: aandgbaird@ with breath-taking panoramic views. Near and fishing nearby. Short breaks available. Parking/outside space. Small well-behaved Contact Tim Stuckes: 07973 418742 of eight peaceful cottages wrapped around btinternet.com Pisa, Florence and Lucca. Sleeps up to 6 Pets welcome. AA 4 star approved. dogs welcome. Free wi-fi.From £290 p.w. www.anchorcottage.co.uk a tranquil courtyard, set within 20 acres www.sunnyside12a.weebly.com people, but also great for couples. NARPO 10% discount, including ferry discount, to Welcome gift for NARPO members. of the Peak District National Park. Dogs discount. (May and August only) NARPO members. Tel: 07814470948 welcome. Pub walks from the door (2 miles Tel: 07976 720022 Tel: 01983 730667 IRELAND www.seasidecottagecornwall.co.uk Devon, Exmouth - Devon Cliffs across fields). 10% discount for NARPO www.tuscanydreams.co.uk www.whitwellstation.co.uk members – either use the online booking Idyllic West Cork Caravan Holiday Home code 'NARPO' at www.bolehillfarm.co.uk Along the Wild Atlantic Way. Beautiful CORNWALL - Polperro Superbly located on Devon Cliffs Holiday Tel: 01629 812359 privately owned S/C properties with sea Tuscany August Hill Holiday Lodge, situated in Park. Stunning, high quality/spec 2-bed Norfolk - Wells-Next-the-Sea 5 beautiful villa/apartments for couples Choice of 3 Stunning Coastal Cottages. Fully www.bolehillfarm.co.uk views & gardens. Many repeat customers. wooded location on Killigarth Manor Park. holiday home available for weekly lets during in private resort. Heated salt water pool, renovated, wooden floors, wood-burning Discounted Ferries. Story book colour Amenities include large swimming pool, July & August only. 180° Seaview - Veranda bar, beauty & relaxation treatments. stoves, Amazing Harbour/ meadow views. brochures. Recommendations to local bar, play area. Beach and coastal path 5 - Close to Beach - Quiet Area - Coastal Yorkshire Dales Complimentary aperitivo & warm bruschetta Close to Quayside, shops, and a great Restaurants & amazing music. mins away. 3 bedrooms, en suite, separate Path - Restaurants - Pools - Activities - Excellent appointed two bedroomed self- every evening in the courtyard allowing selection of pubs and eateries. Voted best Contact Kathleen: 01778 571968 bathroom. No pets. 5% discount members, Entertainment. Owned by NARPO members. catering cottage with panoramic views guests to nibble & socialise. No children. beach in UK! Pets welcome. NARPO discount. Email: perfectirelandholidays@yahoo. serving police officers. Email: [email protected] near to Hawes. It is the ideal location to Tel. 020 32867628 Tel: 07976 720022 co.uk web Tel: 07793974615 www.enjoydevoncliffs.co.uk explore the Yorkshire Dales. SKY TV, Wi- Email: [email protected] www.norfolkdreams.com www.perfectirelandholiday.co.uk www.augusthill-polperro.co.uk 20% discount off standard rate Police Fi, heating/ linen/towels included. Narpo www.tuscanyvillaresort.com discount. No smoking/pets. Officers / NARPO *Images for illustration purposes only *Images for illustration purposes only 50 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 51 Holiday Lettings 2018 continued... Holiday Lettings

PORTUGAL Denia Port with castle hill in Central Florida Alicante province Spain Elegant and spacious re-furbished 4 bed- Algarve - Lagos roomed home, in gated community. Luxury Apartment, overlooking Meia Prai Centrally located, 20 mins from Disney. Beach. 2 en-suite bedrooms, beautifully Contents Private screened pool, multi-gym furnished, fully equipped kitchen, huge Facilities available. Full Wi-Fi, cable TV and south-facing balcony giving fabulous sea telephone. From £550 p.w. views, short walk to Marina and town Please see website for further info and centre, car not necessary. Free Wi Fi. photos. Can assist with travel. Contact Tim or Karen Young: Contact Ewan Conacher: 01743 358772 01905 354786 or 07854 614450 Email: [email protected] Email: [email protected] Spain - Denia Townhouse on the exclusive La Sella Golf www.davenport-house.us.com Urbanisation, near Denia, Spain. Algarve - Lagos Marina Are you interested in any of the following? Fantastic 2 Bedroom Apartment enjoying Golf, walking, tennis, cycling, pool, sun, stunning views of Marina. sea, horse riding, mountain scenery, good Short walking distance to the Beach, food and drink or relaxing? Number 42 Marina, Swimming Pool, Lagos Town and has 2 bedrooms, 2 bathrooms, spacious supermarket. kitchen, comfortable lounge/diner and 4 Newly furnished, quiet location, sleeps 6, terraces. with 2 bathrooms, and 2 large double sofa. Car not necessary. Contact Duane or Nicki: 0034 657689491 www.thishasitall.com Siesta Key Beach Contact Andy Hill: 07794 262014 in Sarasota Email: [email protected] www.lagosmarinaapartment.com CANARY ISLANDS Florida - Disney Corralejo - Fuerteventura Luxury spacious 4 bed 2 bath villa. Las Fuentes two-bedroom apartment Algarve - Algarve Retreats Beautifully furnished. Large private heated Specialists in Lagos, its Marina and the (sleeps 4 + sofa bed), peaceful location pool. Not overlooked.6 miles from Disney. Western Algarve. Visit one of the most situated a short walk to local amenities Near to all shops/restaurants/tennis/golf. unspoilt coastlines in Europe. With stunning and beaches. Facilities shared communal Accommodates10. Fully equipped plus high sandy beaches, year-round sunshine and pools, air conditioning, live English TV, free chair/cot/stroller. Flat screen HD TVs/dvd a cosmopolitan atmosphere. We have Wi-Fi and private terraces. Prices from free telephone/ Wi-Fi From £400 pw. stunning properties available all year round. £320 per week. Tel/Fax: 0151-726-0943 Discounts available. Tel: 07952 947348. Email: [email protected] Contact ALGARVE RETREATS Email: [email protected] www.thompsonsfloridavilla.com on 0333 920 5800 www.algarve-retreats.com Lanzarote - Playa Blanca Superb 2 bed 2 bathroom Villa. Private Florida - Gulf Coast - Cape Promenade along street in Carvoeiro heated pool. Two private patios front line of fishing village with view of colourful Coral houses on beach, Algarve complex, wonderful sea views. TV/ English/ Waterfront executive 3 bed/2 bath villa. Sports/14 day catch up. BBQ. Air Con. Near Sleeps 6. Heated, screened pool. Marina Rubicon/ Papagayo. NARPO 10% Private boat dock with access to Gulf of discount. Short to long term. Mexico. Fully equipped, flat screen TV's, Contact Ken: 07974807662 free Email: [email protected] Wi-Fi. Convenient for beaches, shops, restaurants, golf. NORTH AMERICA 15% discount for NARPO members. Email: [email protected] Disneyworld - Florida www.Buttonwood-bay.com Fully equipped 4 bedroom, 3 bathroom villa Portugal - Algarve with 2 lounge areas. 30ft lagoon shaped Luxurious six bedroom villa. Gated west-facing pool surrounded by privacy Siesta Key - Sarasota - Florida driveway. Surrounded by half an acre of Luxury apartment on beach facing Gulf of hedging and backing onto conservation garden with orange and lemon trees. Own Mexico, see dolphins, manatee, spectacular area. Games room, Wi-Fi internet, 6 TVs large pool, air conditioned all bedrooms. sunsets. 2 bedroom, 2 bath sleeps 6. etc. From £595/ week. wi-fi. Maid service. Prices £1200 to £1800 Heated pool, WIFI, flat screen TV's, DVD Tel: 01531 651723 per week. library, beach furniture. Close to shops, NARPO member: [email protected] Contact Andy or Karen: 01246566427 or restaurants, golf courses. www.woodvillevilla.com 07919300362 Tel: 01262 670417 Email: [email protected] Email: [email protected] Contact Sam or Andy: 01749831113 or www.geoffs-place.com 07877642070 Email: [email protected] Contact Marcelline Email: [email protected] *Images for illustration purposes only 52 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 53 IS YOUR QUOTE A... Win Time Out £75 M&S Contents Vouchers Puzzle 95 Compiled by Ted Dilley Sponsored by NARPOdrive 0333 130 0294 www.narpodrive.co.uk ...NOW OVER 1,000 CARS ONLINE TO CHOOSE FROM AND READY FOR DELIVERY

Clues Across 1 234567 Out Puzzle Time

1. Explanations (15) 8. Surname of English novelist, younger sister of AS. Byatt (7) 8 9 10 9. Apprehends (7) 11. Horrified (8) 12. Entangled (6) 14. One and only (4) 11 12 16. Middle-eastern language (6) 13 19. Structure used for forcing the growth Pizza of plants (8) 14 15 Express 21. Pray in Latin (3) vouchers 23. Surname of the writer of The 16 17 18 19 20 Shopping Dashboard Beggars’ Opera (3) cameras 24. Long range of European Hills, 21 22 23 vouchers highest point Como Grande (8)

26. Existing, but not yet apparent or 24 25 26 27 £5,OOO active (6) 28. First name of British-born Jewess who 28 29 Trave l broadcast lunchtime piano concerts CASH PRIZE! during World War II (4) guides Home 30 31 32 33 Red Letter security 30. “Good-night, sweet------, and flights Days vouchers of angels sing thee to thy rest!” cameras (Shakespeare - Hamlet) (6) 34 32. Medicine to counteract poison (8) 35. Obvious (7) 35 36 36. Allow access (3,4) Hotel 37. Initial judjement (5,10) stays iPads

Clues Down 37

1. U.S. State, nickname the Hoosier State (7) 13. Broken stone usd in road making (5) 24. “Watching the ----- falling towards 2. Type of cargo ship not running on 15. Equipment used for measuring a England...(0 Love, the interest fixed lines (5) ship’s speed (3) itself - W.H. Auden) (5) 3. Insurrection (9) 17. Volume enhancer (9) 25. Long age (3) Get a NARPO car or home insurance quote 4. Female ruffs (6) 18. Illegal act (5) 27. Treachery as a crime (7) 5. Small, colourful freshwater duck (4) 20. Fragrant plants, usually blue, often 29. Deciduous branched animal horn (6) 6. Leaves on a shamrock stem (3) and you could be a winner! Get both grown in pots (9) 31. Storage box (5) 7. Building used for drying hops (4,5) 22. “lf --- of you know cause....” (Book of 33. Forest mammal related to the giraffe, * 10. Move furtively (5) and increase your chances! Common Prayer) (3) discovered in the Congo in1900 (5) 12. First note (3) 34. Hold back (4)

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 by30th September, with your name, address and membership number.

Get a quote today for a car or home not already Name: ...... Membership No...... Tel No ...... with us and you could be a winner! Address ...... 1. Call 0345 758 5878 ...... Postcode ...... 2. Visit policemutual.co.uk/quote ISSUE 94 Answers * Terms and conditions apply. Police Mutual car and home insurance is provided by Royal & Sun Alliance Insurance plc. The winner of Across 26 Sickness. 28 Noh. 31 Editor. 11 Sir. 13 Castle. 14 Deuteronomy. The National Association of Retired Police Officers (NARPO) is an Introducer Appointed Representative of PMGI Limited, trading as 1 (+5 down) La Belle Dame Sans Merci. 32 Devotion. 33 Starts Every Time. 15 Antarctica. 17 Skills. 20 Two pence. the Time Out Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No. 1073408. Registered 8 Tranquil. 9 Rimini. 10 His. 12 Acid Rain. Down 23 Ian. 24 Assess. 27 Earls. Puzzle 94 is office: Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Calls to 03 numbers usually cost no more than to geographic 16 Dis. 18 Denmark. 19 Source. 1 Latitude. 2 Brae. 3 Liquidation. 4 Emin. 29 Mere. 30 Mimi. Mr W Kaye, numbers (01 or 02) and are usually included in call packages, please check with your phone company if they are included in your 21 Facial. 22 Lies Low. 25 Ear. 5 (see 1 across). 6 Animalcule 7 Skinny. Bradford package. For your security, all telephone calls are recorded and may be monitored. PMGI2659 Advert 0818 54 NARPO NEWS Email: [email protected] Website: www.narpo.org NARPO NEWS Email: [email protected] Website: www.narpo.org 55 CALLING ALL NARPO Members Serving Police Officers Contents PCSO’s

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