#transferring a final salary pension

[sharesamadhan23]

How to Claim Provident Funds Online: A Step-by-Step Guide

Provident funds serve as a vital financial cushion for employees, ensuring savings for the future. Whether you're retiring, switching jobs, or in need of urgent funds, knowing how to claim your provident fund is essential. With digital advancements, the process has become more convenient than ever, allowing individuals to claim provident funds online. In this blog, we’ll explore how to file a provident fund claim, check your provident fund claim status, and simplify the process of accessing your funds.

What is a Provident Fund?

A provident fund (PF) is a retirement savings scheme for employees, typically organized by the government or employers. A portion of an employee's salary is deposited into the fund every month, with a matching contribution from the employer. Over time, this accumulates into a substantial amount that can be accessed upon retirement, resignation, or in certain emergency situations.

The Employees’ Provident Fund (EPF), governed by the Employees’ Provident Fund Organisation (EPFO) in India, is one such popular scheme, designed to provide financial security post-retirement.

Types of Provident Fund Claims

Before diving into how to claim provident funds online, it’s important to understand the different types of claims you can make:

1. Final Settlement: This occurs when an employee resigns, retires, or gets terminated. The entire accumulated amount is withdrawn.

2. Partial Withdrawal: You can make partial withdrawals in situations such as medical emergencies, home construction, or higher education.

3. Pension Withdrawal: Upon reaching retirement age (58 years), you can withdraw both the provident fund and pension contributions.

How to Claim Provident Funds Online?

The online process for claiming your provident fund through the EPFO portal is simple and hassle-free. Here’s a detailed step-by-step guide:

Step 1: Ensure Your UAN is Active and KYC is Completed

The Universal Account Number (UAN) is a unique identification number that links all your EPF accounts. Before making a provident fund claim, ensure your UAN is activated, and your Know Your Customer (KYC) details are updated. This includes:

- Aadhaar: Your Aadhaar card should be linked to your EPF account.

- PAN: Permanent Account Number for tax purposes.

- Bank Account: Make sure your bank details are accurate to receive the funds.

You can verify and update these details through the EPFO portal.

Step 2: Access the UAN Member Portal and log in

Visit the official EPFO website and log in to the UAN Member Portal using your UAN and password. This portal is your gateway to accessing all services related to your provident fund.

Step 3: Go to the Online Services section

Once logged in, go to the ‘Online Services’ tab and select the option for ‘Claim (Form-31, 19, 10C & 10D)’. This allows you to initiate the process for final settlement, partial withdrawal, or pension claims.

Step 4: Enter Your Details and Select Claim Type

Your personal details and KYC status will be displayed. Next, click on ‘Proceed for Online Claim’. You will be prompted to select the claim type:

- Form 19: For final settlement of EPF.

- Form 31: For partial withdrawal of funds.

- Form 10C/D: For pension withdrawal or scheme certificate.

Choose the appropriate form based on your requirements.

Step 5: Submit the Claim

After selecting the type of claim, you will be asked to fill out additional information such as the reason for withdrawal (retirement, emergency, etc.) and the bank details for fund transfer. Cross-check all the information and hit ‘Submit’.

Upon submission, you will receive an OTP on your registered mobile number linked with Aadhaar. Enter the OTP to complete the claim submission process.

How to Check Provident Fund Claim Status?

Once you’ve submitted the claim, you can easily track the provident fund claim status online.

Method 1: Using the EPFO Portal

1. Sign in to the UAN Member Portal.

2. Navigate to the ‘Online Services’ tab.

3. Select ‘Track Claim Status’.

4. Your claim details, including the current status (approved, pending, rejected), will be displayed.

Method 2: Using the UMANG App

You can also check your provident fund claim status through the UMANG app:

1. Download and install the UMANG app from the Google Play Store or the App Store.

2. Register with your UAN and mobile number.

3. Under the EPFO services section, click on ‘Track Claim’ to view the status.

Conclusion

Claiming your provident fund online has become a seamless and quick process, offering employees greater accessibility and control over their funds. Whether you need a final settlement or a partial withdrawal for emergencies, the digital platform simplifies the process.

However, there can be instances where claims get delayed or rejected due to incorrect documentation or incomplete KYC details. If you find the process confusing or need assistance with claim settlement, Share Samadhan can help. Share Samadhan specializes in recovering provident fund claims, unclaimed dividends, and shares, offering comprehensive solutions to ensure you receive what you are entitled to.

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FAQs

1. Can I claim my provident fund without UAN?

No, you need a Universal Account Number (UAN) to claim your provident fund online. Ensure your UAN is activated before making any claims.

2. How long does it take to process a provident fund claim online?

It typically takes 10-15 working days for the claim to be processed and credited to your bank account.

3. What happens if my KYC is not updated?

If your KYC details (Aadhaar, PAN, Bank details) are not updated, your claim may be delayed or rejected. Make sure these details are correct before applying.

4. Can I make a partial withdrawal from my provident fund?

Yes, you can make partial withdrawals for specific purposes such as medical emergencies, higher education, or home construction. However, conditions apply based on your years of service and reason for withdrawal.

5. How can Share Samadhan assist in claiming provident funds?

Share Samadhan provides professional services to help recover unclaimed provident funds, dividends, and shares. They assist with claim documentation, resolving issues, and ensuring smooth recovery of funds.

[craftyfanwasteland]

Common Uses of Bank Account Numbers and Everyday

Many financial transactions require bank account number. Protecting your financial data requires knowing their regular uses and using security measures in daily banking. Let's examine bank account numbers' common uses and best practices for everyday banking security. To detect illegal transactions, watch your account activity often. Strong, unique passwords for banking apps ensure security. Finally, always be cautious about sharing your bank account number.

Banking Security Measures

Modern banking requires account numbers for several uses. They make receiving direct deposits like salaries, pensions, and government benefits safe and easy. These numbers help effective money management by allowing easy transfers between bank accounts or financial institutions. Bank account numbers are also used for peer-to-peer transactions, allowing sending money to friends and family easier. They also help in easy bill payments, which eliminate the need to write and mail money orders. Finally, mobile banking apps use this number to help customers check balances, transfer funds, deposit checks, and manage accounts from their smartphones or tablets.

Security Measures for Everyday Banking

Keep Your Account Information Confidential

Your bank account number, login passwords, and ID should be safe. Avoid sending confidential information by email or text. Only give your account number when necessary and verify the recipient's identification. Create strong, unique passwords for online banking and update them periodically. Add two factor authentication for security. Check your accounts for unusual activity and report discrepancies immediately.

Monitor Account Activity Regularly

Regularly examine account activities. Check statements, transaction notifications, and online banking for fraudulent transactions. If you detect irregularities or unauthorized access, notify your bank immediately. Set up SMS or email alerts for real-time account activities. Update your passwords regularly and make them strong and unique for security. Finally, avoid public Wi-Fi and utilize secure networks for online banking to avoid security breaches.

Update Software and Security Settings

Ensure that your gadgets like computer, phone Firewalls, antivirus, and anti-malware protect against cyberattacks and phishing. You must stay watchful and check reputable sources for updates to keep your computers secure. For extra security, use strong passwords and two-factor authentication. Remember to be proactive in cybersecurity to protect your digital assets and personal data.

Be Cautious with Public Wi-Fi

Be careful when utilizing public Wi-Fi for internet banking. Use Virtual Private Networks to encrypt and secure your data from hackers. Cybercriminals can access your sensitive financial data on public Wi-Fi connections. Always check the URL for HTTPS before inputting personal information on a banking site. Do not use communal computers for financial transactions because they may have malware. Keep your banking app and devices updated to avoid security issues.

Recognizing the common uses of bank account numbers and taking proactive security steps can protect your financial information and make banking easy. Be aware, alert, and secure in your financial dealings. Check account statements often to spot fraudulent activity. Online banking passwords should be strong and unique and updated often. Enable two-factor authentication for extra security. Always be cautious when sharing your account information and ensure it's only done through secure channels.

[claimmyloss01]

Compensation for Pension Loss

People often miss out on claiming compensation for pension loss for a couple of reasons. One common issue is that they may not know they're entitled to compensation. This is particularly true for those without legal representation.

We focus on claims related to pension compensation, including SIPP compensation, pension switching (churn), pension review scams, SSAS, and final salary pension compensation. We also deal with problems related to platforms, overcharging, and final salary transfer claims. You can count on us to help you get the compensation you deserve for poorly managed pension investments. Visit our website for more details - https://claimmyloss.co.uk/type-of-claim/pension-compensation/

[rocyfanandez30]

Claims Depot Mis-Sold Pension Claim

Claims Depot mis sold pension claims was set up to help anyone who was mis sold a pension get the compensation they deserve. Whether you were mis sold a SIPP, final salary transfer or are part of a group action - we will help you!

[fincrew]

If you’re currently in a financial pinch or want to know as much as possible about the EPF or Employees Provident Fund program, one thought that’s likely to have crossed your mind is finding out how the EPF withdrawal system works. Here, we’ll be breaking down all you need to know about the EPF, how it works, and everything involved in getting your money out of the program.

What Is EPF?

EPF is short for Employees Provident Fund and refers to a government program run by the Ministry of Finance. The primary goal is to ensure that employees have something saved for when they’re at a certain age or unable to work again for whatever reason.

How Does Yhe EPF Work?

This retirement savings scheme works differently, depending on the individuals involved. For example, in all cases, EPF automatically deducts 11% of your monthly salary at the end of each moment. However, if you earn less than RM 5 000, your employer should contribute 13% of your salary to this program. But, in cases where you make above the RM 5 000 benchmarks, your employer is required to contribute only 12% instead. Recently, EPF has worked for people in the gig economy and even stay-at-home moms!

Withdrawing From Your EPF

Under ideal circumstances, this retirement savings scheme allows withdrawals only when an individual is 55. The primary reason is that you should take the proceeds from this account and use them to support yourself in your golden years. There are a few instances where you’re legally allowed to tap into this account at an earlier age, as long as you meet specific requirements.

Requirements For Withdrawing From Your EPF Prematurely

Some provisions allow you to take out some or all of your savings before age 55 under certain circumstances. Before delving into these circumstances, it’s vital to mention that your EPF is into two different accounts. You can’t withdraw from either of these accounts unless;

You’ve saved above the required sum for your age and want to transfer the excess to a fund manager for further investment.

You’re a civil servant who started the EPF program before putting you on the government’s pension plan.

For any reason, you become mentally or physically disabled and cannot work anymore.

You intend to relocate from Malaysia finally.

You become deceased, and your beneficiary gets your savings.

You must cover housing loans, Hajj expenses, or medical bills.

What To Remember

No matter the reason, make sure you think long and hard before dipping into your Employees Provident Fund, as this can have far-reaching effects!

[cjfinancial]

How do I obtain my Final Salary pension transfer value?

A Letter of Authority (LOA) is a one-page document that allows us to contact your Final salary pension transfer specialist and request all relevant information about your policy. An LOA does not allow anyone to transfer, change or alter your pension in any way, shape or form.

Completing this document does not commit you to do anything with your pension. However, it easily allows our team to gather all the required information for a detailed analysis. Final Salary schemes usually receive many valuation requests and their turnaround times are frequently longer than other UK pensions.

[pensiontrasnfer]

Pension Transfer Specilaist

A Pension Transfer Specialist is a Financial Adviser who has gained additional, higher-level qualifications in order to provide advice on defined benefit and final salary pension transfers. These types of pensions can be complex and need detailed analysis and explanation to determine whether a transfer is in the best interest of a client. 

[oneminutemoneymagazine]

The Great Risk Transfer Campaign

While England, Scotland and Wales are currently focussed on tomorrow’s elections, The IFoA (Institute and Faculty of Actuaries) have identified a major long term issue within the UK, Outside the private sector, a decreasing proportion of the working population have secure employment.  Pension plans are becoming overwhelmingly DC (defined contribution a.k.a. money purchase) instead of DB (defined benefit a.k.a. final salary).  This means that any poor investment performance reduces people’s retirement benefits instead of increasing employers’ contributions.  Risk is progressively being transferred from employer to worker.

We hear parts of the story from parts of the media, but only the IFoA appear to have grasped the overall issue.  Also it is amazing that the Labour Party and trades unions are not talking about “the great risk transfer”.  The IFoA’s main focus is on public information and education and they rightly feel that they have a significant role to play.  There’s more on https://www.theactuary.com/ifoa/2021/03/30/ifoa-campaign-great-risk-transfer?utm_source=Adestra&utm_medium=email&utm_term= where their former president John Taylor writes in The Actuary.

There is, however, part of the article with which I strongly disagree.  He supports CDC pension plans and writes as follows. 

“In collective defined contribution (CDC) pension schemes, members pool their retirement savings into a single fund and share the risks associated with investment performance and longevity.  This risk sharing allows the scheme to invest in assets with higher expected returns than individual DC schemes can.  Employer contributions are fixed, so pension levels will vary - and may be lower in some years.  However, risk sharing allows schemes to smooth market volatility and thus achieve fairly stable pension levels.”  “As part of the campaign, we are seeking government action to show employers that CDC schemes are an attractive alternative to DC schemes.”

Did you notice that John Taylor said that a CDC pension can actually reduce during payment?  It really can and this possibility must be spelt out very clearly in advance or there will be genuine grievances in future years.

The IFoA would do better to look at the Dynamic Pension system used by the Provident Mutual (now part of Aviva) in the 1990s and earlier.  Dynamic Pensions were with profit arrangements with annual bonuses based on investment performance and other factors.  There was no promise that the level of pensions would increase, but they could not actually fall.

(05/05/2021)

[hockeywash0-blog]

Aviva Pension

Leading 10 Private Pension Plans

Content

What Is A Defined Payment (dc) Pension Plan?

Just How Much Of My Partners Pension Am I Entitled To When I Divorce?

Maternal, Dna Paternity As Well As Fostering Leave As Well As Your Pension.

These people include monetary consultants, monetary coordinators and also actuaries. Yet they are just Pensions on Separation Specialists too if they are experienced in the area of pensions on divorce. There is no details certification that somebody can get to end up being a Pension plans on Divorce Professional. Countering - this can happen when a couple are ironing out their funds on divorce. It is the word used to describe the technique where one person quits their right to a future earnings from a pension for present capital, usually the family members home. Pension sharing annex or pension accessory annex - this is an added type that informs the court regarding the details for making the pension order really take place. This form then obtains sent out to the pension provider so that they have all the information they require to make the pension order in fact occur.

What is the role of a custodian trustee?

A trustee with the limited function of holding trust property, which is vested in the custodian trustee alone. The other trustees (managing trustees) manage the trust property and exercise powers or discretions under the trust.

If the court declines to make the order you have actually requested for, they will certainly send it back to you as well as ask you to change it. Or, the court may make the order without recognizing that there were various other vital points missed out. It's better to be well notified before you spend time, cash as well as energy relating to court. If you do require to start again you will most likely need lawful recommendations on exactly how to reach an arrangement the court will approve. Without a permission order,, it is always possible for either you or your ex lover to apply to the court for something various to what you originally agreed, also long after you are separated. This right is only shed when you remarry (although an exception to this policy is that the court can make pension sharing or accessory orders also when somebody re-married). There may be other reasons that are not consisted of in this checklist that apply to your scenario.

What Is A Specified Payment (dc) Pension Plan?

This can be more complex to arrange than an average pension sharing order. This alternative brings higher legal prices as a result of the intricacies of this choice. You should look for legal guidance when considering pensions and also divorce. Once it has actually been authorized by the court and also the divorce as well as economic settlement are finalised, neither party can make any additional insurance claims for cash in the future. Commonly, pension plans are neglected throughout the economic negotiation procedures. Also if you have actually agreed on a settlement, you need to confirm it via a court order to make it lawfully binding. Your ex-spouse can definitely claim your pension after your separation if there is no legally binding economic arrangement in position.

Who gets pension after death?

The beneficiary is the person who will receive your pension when you die. Much like naming a beneficiary on a life insurance policy, you can name one or more individuals to receive the benefits of your pension.

Pensions can be amongst one of the most beneficial possessions in a divorce, normally 2nd just to the household house and also sometimes a lot more useful. Moreover, one partner in a separation might have a lot more in pension properties than the other-- who might face a major loss of retired life earnings.

How Much Of My Spouses Pension Am I Qualified To When I Separation?

This can be a way of trying to regulate the other individual right until the end of the marital relationship. You need to talk about exactly how you will separate these fees between you and also your ex-spouse. Depending upon your situations it might be reasonable to divide the costs just as. Or if among you is even more monetarily safeguard it is likely to be fairer if that individual pays all the fees.

There are two methods which a last income plan may be shared with the ex-spouse. One method is to move the pension into a pension pot that can then be split according to the regards to the financial settlement. However, the pension's transfer worth might not show the full advantage of the scheme, so you will certainly need to consult on this from an independent economic consultant. In addition, not all last salary pension systems allow transfers out. If either you or your ex-spouse have actually a defined advantage pension after that exercising exactly how to separate this relatively can be more of an obstacle.

Maternal, Paternity As Well As Fostering Leave And Your Pension.

The lawyer clarified that the divorce can experience without us sorting out the funds at the very same time but every little thing around your house, the pensions as well as the outstanding debts will certainly still exist hanging over us. I want this all ironed out to ensure that when we separation we can really go our separate means. Pensions on Divorce Professional - A Pensions on Separation Expert can examine the pensions you both have and report on what their 'real' values are - for the purposes of the divorce.

It is a good concept to find out from the pension carrier just how much the fees remain in development, so that you as well as/ or your ex prepare with the money when you need to pay. The person receiving the pension share can frequently have their share of the charges subtracted from their share prior to it is moved to their new pension. You can learn more about getting expert lawful advice on your agreement as well as help drafting an approval order in the area called Authorization orders in our overview How to look for a monetary order without the assistance of an attorney.

Simon Read: 'Inspect The Shortage In Your Retirement Earnings Now, Prior To.

In Scotland the share can be a monetary quantity, as well as if this is the case the boost/ decrease in CETV will certainly be academic (although any financial amount will certainly be limited to 100% of the CETV if this is reduced). You must obtain recommendations from a household legal representative who is experts in pensions in separation or dissolution as the rules are made complex. You might wish to obtain lawful recommendations from your lawyer on just how to handle your LGPS advantages during any kind of divorce or dissolution of a civil partnership. Pension offsetting - you each maintain your very own pension advantages however change the proportion of various other assets to take account of the value of the pension benefits. As an example, you can maintain your pension, as well as your ex-spouse or ex-civil partner might get a larger share of the worth of your home. This options needs you as well as your ex-partner to make a contract to share the pension at a later day.

County: No cost of living raise for pensioners - New Castle News

County: No cost of living raise for pensioners.

Posted: Wed, 13 Jan 2021 08:00:00 GMT [source]

A divorce economic settlement needs complete disclosure of possessions, so if you have 'lost' any kind of pension plans. you might be open to complaints that you have attempted to hide several of your possessions. You may after that deal with costly lawsuit in the future, as well as an extra pricey financial settlement.

Concerning Age Uk.

It is also practical to get legal guidance on what you have in fact agreed with your ex lover. It may be that there are things that you have not believed of, or are not knowledgeable about, that leaves among you worse off. Without https://brighton.trusted-pensions.co.uk/ from a lawyer on the justness of the arrangement there is a danger that a court will certainly take a look at the agreement and also choose that it does not result in a reasonable outcome general as well as will not approve it.

Final salary plans do not include an invested pot of cash, but pay a surefire earnings permanently, so the initial question is just how the ex-spouse (i.e. the one that is not a scheme member) can obtain their share. If you are encountering a separation, or the opportunity of one, pension must be a crucial factor to consider in any kind of monetary negotiation. access the trusted pensions pension trustee Bath here can learn just how to split the pension properties rather, to guarantee your retirement income is shielded as for possible.

The pension credit share is based on an evaluation CETV of the member's plan or plan advantages. As soon as the pension share is concurred by the court, this is put on an upgraded CETV to acquire the value of the pension credit score. The ultimate CETV might be basically than the initial CETV assessment.

This kind isn't uncomplicated either so it can be money well spent to have a professional family members legal representative assist with this. Sometimes paying this fee is the extremely last point that needs to be carried out in the separation procedure. Some people can be tough regarding paying the money, to hold up the procedure as well as to upset the person that will gain from the pension sharing order.

[charlotteesson]

Everything You Need To Know About Full And Frank Disclosure In Family Law

In Family Law property or parenting proceedings, the parties have a responsibility to provide full and frank disclosure.  The Duty of full and frank disclosure is a requirement for all parties involved in a family law dispute to provide to each other party all information relevant to an issue in the case.  

Full and frank disclosure in property matters

In addition to general disclosure requirements, there are specific requirements and rules about full and frank disclosure in property matters. The information disclosed must be relevant to the party’s total direct and indirect financial circumstances. This requires disclosing all sources of earnings, income, property, and other financial resources.  This is also applied in situations where the property, financial resources, and earnings are owned by or come to the party directly, or go to some other person or beneficiary (for example, the party’s child or de facto partner) or are held in corporations, trusts, company or other such structures.  There is also a requirement for full and frank disclosure to be made in relation to information about any property disposal (whether that be by sale, transfer, assignment, or gift) which was made in the year directly before the parties separation, occurred since the final separation or at some other significant time.  

To get started, please see below for a brief summary of documents which are required to be disclosed:

Three most recent taxation returns and assessments.

Three most recent wage/salary certificates.

Any superannuation documents for each superannuation interest of the party including:

The most recent superannuation statement (if available);

For a self-managed superannuation fund, the trust deed, and the last three financial statements.

For a corporation (business), trust or partnership;

Financial statements for each (including balance sheets, profit and loss accounts, depreciation schedules, and taxation returns) for the three last financial years.

For the party or a corporation (business), trust or partnership:

Any Business Activity Statement for the 12 months ending immediately before the first Court date.

For any corporation, its most recent annual return, listing Directors and Shareholders; and the corporation’s memorandum and articles of association.

For any Trust, the trust deed.

For any Partnership, the partnership agreement.

All documents containing evidence about:

The financial contributions made at the commencement of cohabitation.

Any inheritances, gifts or compensation payments received during cohabitation.

Any purchase or disposal of property in the 12 months prior to and since separation.

Any increase or reduction of liabilities since separation.

The value of any superannuation interest of a party, including the basis on which the value has been calculated and any documents used to calculate the value.

Such documents shall include but not limited to:

List of all Bank accounts, details of account numbers, passbook and Bank statements for the previous 12 months.

Details of Credit Union/Building Society or other like deposit passbooks and statements for the previous 12 months.

Details and records of any investments including stocks and shares.

Appraisal/valuation of real estate.

Appraisal/valuation of chattels including car(s).

Social Security pension or payment details.

Details/records of long service leave accrued.

Details/records of overtime worked in the previous 12 months.

Records/details of any life assurance or disability insurance.

Details /records of any of the above re children.

Medical or psychiatric reports

Full and frank disclosure in parenting matters

In accordance to rule 13.01 of the Family Law Rules 2004, it is a requirement for the parties to make full and frank disclosure of all information relevant to a parenting matter throughout the duration of the matter. The appropriate documents which are required to be disclosed will be case-specific. An example may include medical reports about a child or parent, school reports, letters, and drawings by the child, photographs, or perhaps a diary.

[joslin-rhodes]

Joslin Rhodes Retirement Advice

Whether you’ve loads of pensions or you’ve had the same one for years, we can help as  Final Salary Transfer Specialists

What are my pension options?

What are your pension options?

The 2015 pension freedom rules mean it’s up to you how you access your pension pots.

This flexibility to choose what’s right for you is great, but can be confusing trying to work out what to do for the best.

That’s where we come in.

Don’t take our word for it…

Meet some of our clients who have received pension advice from our experts..

Your Independent Financial Advisers

As pension specialists with the additional permissions from the Financial Conduct Authority to advise on defined benefit pension transfers, we’re not tied to any provider, so can give you whole of market advice.

Tell me more

Helping with those difficult decisions

Deciding whether to transfer your final salary/defined benefit pension can be daunting if you don’t know your options.

But it doesn’t have to be.

With a fantastic process designed to help you clearly understand the benefits and drawbacks of each decision, you’ll be able to make the best choice for the retirement lifestyle you want.

So, let’s explore your future and look at how we can help you get the lifestyle you want in retirement.

One of our financial planners will explain your options and show you how we can help.

I want help with my pensions

[do-what-the-knight-tells-you]

Broadchurch: the short story collections. Part 1

Available over here.

The first book contains four short stories, all of which take place before S2, so if you want to read this, it might be nice before re-watching S2.

1- “The End Is Where it Begins”, Ellie, After S1: how she comes to transfer precints and end up as the traffic cop we see in S02E01.

2- “The Letter”, Maggie, a few days before S2: STruggles with Echo finances, works on a story, thinks about resigning.

3- “Old Friends”, Jocelyn, 10-20 years before S1: insight into her past, her career, her character, Jack Marshall, and what was going on in town around the time Danny and Tom were born.

4- “Over the Side”, Tess, months before S1 (three days into the Sandbrook case): a twenty-four hour window into that case, her perspective on the case, her affair, and Alec’s behavior/character/etc at that time. This is the night Pippa’s body is found, from her perspective.

I’ve included summaries, my notes, excerpts, and other Things Of Interest under the readmore. this book was interesting, short, and very worth the read, for me!

1. Ellie- Between S1 and S2.

“Going back into uniform was Ellie's choice, but it usually means demotion. It’s shorthand for disgrace. As far as Ellie is concerned, the uniform helps. Her collar and cravat help her hold he head up high, and she walks easily in regulation flat shoes. This is a move sideways,  not downward; she’s still a Sergeant. Her salary stays the same, and that’s important. Ellie’s staring down the barrel of single parenthood, paying for the childcare Joe used to do for free. Resigning would mean sacrificing her pension, and with a good fifteen years of service left in her, that’s not an option. “But there’s more to it than the money. It doesn’t feel right to go back into CID until Joe’s been sentenced. She’s never told anyone this, but it feels like that way, she’ll be able to put Danny behind her. But going into uniform, that felt right. Ellie understands now what Hardy meant about atonement. [Look! Thinking about him!] by serving another community, she can atone for what Joe did to her own. Leaving the force, taking a sabbatical, all the other things tat people told her to do: none of these was an option. This move is, above all else, a massive /fuck you/ to Joe.  Fifteen years, Ellie's been on the force. When he took Danny’s life, he took Ellie's best friend, their community, and her eldest son. She will not let him have her career as well.”

And in the car with her new loudmouth partner: “after ten minutes she finds herself yearning for Alec Hardy’s brooding and sulks. At least he was quiet. She wonders where Hardy is now: under a doctor’s observation somewhere, she hopes, contemplating the salvage of his own career from the confines of a hospital bed.”

In general her new partner is a bit of a sexist good-old-boy who thinks the problem with youth today is the welfare state... She thinks the problem is lack of outreach and enrichment. She is struggling to get everything in line in her life.

Tom’s voice breaks while they are separated. And her heart breaks to have missed that.

She successfully overrides her partner, follows her instincts, and saves a family, some kids, from a domestic situ while on the job… and then falls to fucking pieces after. Realizes she doesn’t have the emotional fortitude to handle cases without breaking, right now. Calls in sick, and then transfers to traffic.  “She is bitterly aware of the irony that while she has gained her colleagues’ respect, she now understands that she doesn’t deserve it. It’s either this or leave the force, and then Joe’s won. She is hanging onto her career by her fingernails, marking time until his plea next week. “Ellie has always prided herself on putting people before anything else but life as a black rat is about enforcing the letter of the law, or rather its numbers. She’s reduced to the digits and codes of traffic policing: stopping distances, speed limits, milligrams of alcohol and penalty points. Even her fellow traffic officers, infamous for their pedantry, started calling her robocop after he first shift. “Inside Ellie's locker, there’s a photograph of Tom and Fred before the blast. She marks a tally on the picture’s white border, inky scratches in the gloss, to count down the days until Joe stands in the dock at Wessex County court and says the magic word that will give her back her son.”

Aw hell, Ellie.

2- Maggie- A few days before S2 begins. 

Budget cuts are crippling the Echo. Finally, she is ready to submit her resignation in protest, but a story she runs down locally (to do with land use, and, eventually, marijuana), turns out to be leveragable to do some good in town, force some good change, and she figures that's still worth doing, so she'll hang in a little longer.

No mention of Lil, so, still not sure when they broke up/if they are split... oh, and a passing mention of Jocelyn's home. Just, that it is there.

3- Jocelyn- Her story is set farther back, but is fascinating. It's set partially at least twenty, twenty five years pre-S1, and then partially right around the time that Danny Latimer was born. 

It's a little window into who Jocelyn was at that time and what she did. Talks about her outlook on her career, her relationship with her mother, her habit of spending no more than four bank holidays a year in Broadchurch, and staying in London, her preference, her work, the rest of the time.

Also, it turns out she represented Jack Marshall and convinced him to plead guilty so that he would get a shorter jail sentence and get back to the Rowena faster, which he did, and then married her.

Jocelyn was quite reserved even then, but they kept in touch and Jack confided in her after the accident that took his son's life and caused their split, that he needed a new place to go... She suggested Broadchurch because she knew the newsstand was up for sale.

The last scene of the short story is her visiting him at the newsstand. She's noticed her vision is starting to go, she's watching the Latimers with their three-day-old baby boy walk along the beach.

There are references to lots of things and folks there in town, throughout the story, the sea brigade, Oliver, the fact that she's lost touch with Maggie long since and she's a bit grateful for that because otherwise Maggie would surely have sniffed out her connection to Jack and outed Jack's past to everyone. Oh, and Ellie is 10 days overdue and fit to burst with Tom and so Beth (Beth and Ellie had become friends in their pre/antenatal classes) had been dropping by with Danny over there, hoping that holding Danny would maybe induce labor.

... and finally.

4- Tess- Day 3 of the Sandbrook case, well before S1

I didn't look ahead, I totally had no idea that this was coming. But this is Tess' side of a 24-hour period from the Sandbrook case. I'm going to sum some of it, and then I'm probably just going to end up posting big chunks of it. Or you can go read it yourself. That's good too. XD

It's April 2012, day 3 after the Sandbrook girls disappear. She and the other DS she's cheating with were getting it on, for what was clearly not the first time, in the backseat of his car. Made a comment about the fact it next time they would take it back to the hotel, doing it in the car was foolish and uncomfortable. Which also seems to imply that this is a regular thing. Tess thinks a bit on the fact that Dave is present with her in a way Alec isn't, though she feels guilty about all of it.

The cheating is a release for her, like other people might smoke a cigarette or go for a run. She knows Alec is really struggling with how close in age Pippa is to Daisy. 

"Alec works sixteen-hour days, forgets to eat, and gets angry. She hasn’t seen him since they got the shout two days ago. He’s sleeping on the sofa in his office, if he’s sleeping at all. At least Tess got four hours in her own bed last night and a shower in her own bathroom. Daisy was staying with a friend; Tess and Alec rely a lot on the generosity of friends’ parents in the first few chaotic days of a case. The house was too quiet this morning. It’s strange; Alec can stay away for days and Tess feels nothing but relief, but Daisy sleeping somewhere else feels wrong."

Tess knows what Alec is like on these cases. Her affair with what's-his-face went on much longer than the case itself. I’d guess months, at least, prior to this story.

"She hasn’t seen Alec since last night. Tess hopes he’s not in the office. The chances are small; as Senior Investigating Officer, he likes to work the field as much as possible. They used to work so well together – professionally, at least, she’s never been more compatible with another officer, and that includes Dave – but at the moment she can’t concentrate if Alec’s even in the same building. Dave sits opposite her at work, and Alec’s got the corner office just behind them. Every time he walks past, she shrivels with guilt and with contempt for her husband. Guilt over the adultery, contempt that Alec can’t see it.

[Lends more weight to Hardy’s perception of the affair, as we saw it in the S1 novelization-- namely that it was shameful, that he felt ashamed to have been cheated on. I bet she says/said something nasty, along these lines, and he internalizes it]

“If she and Dave so much as brushed past each other at a crime scene, he’d notice. That’s the problem in a nutshell: the tunnel vision that makes him a brilliant detective means he hasn’t seen Tess – really seen her – in years."

[Oh God, I see where this is going. This is the night he finds Pippa, isn't it?]

‘Where’s Alec?’ Tess asks Chrissie, a fellow DS who’s already got three empty mugs on her desk. Chrissie creases her brow. As always, whenever Tess refers to her husband by his first name, it takes her colleague a few seconds to get who she means. But what else can she call him? She can’t call him Hardy and she’s damned if she’ll call him the boss or the guvnor.

[”Guvnor”? is this a British thing, or personal nickname? if the latter, Ellie would laugh herself sick over it, if she ever found out.]

“Chrissie checks a memo on her screen. 

“‘He’s overseeing a fingertip search of the river Sandbrook.’ 

“‘The Sandbrook?’ echoes Tess. It’s right on the edge of their patch, a slow-flowing river with great stretches straying miles from the nearest road and barely accessible on foot. ‘On what basis?’ 

“‘On the basis of it’s the only open space left on our ground that we haven’t covered, and there’s still no trace of either girl,’ says Chrissie grimly, her eyes travelling to the clock. Tess flinches at the reminder of how far behind they are, and boots up her computer, not wanting to waste another minute. When Dave comes in, she looks up with a cool hello...”

She thinks about potential leads in the case, she interacts with Dave a little bit, mostly through facial expressions. And then

“Tess is giving Dave one more warning look when his phone rings. His face loses its colour as he listens; Tess pulls out her earplugs but the call is already over. 

“‘That was the boss,’ says Dave, pushing his chair away from his desk, car keys in hand. ‘They’ve found the body of a young girl in the Sandbrook.’ 

“South Mercia University Hospital is across the dual carriageway from the police station, eight storeys of white concrete and foggy windows. 

“‘I knew it’d be murder,’ says Dave, as they get into a lift marked STAFF ONLY. ‘I knew from the first shout, but it doesn’t stop you hoping, does it?’

“‘You always hope,’ says Tess. ‘But I can’t remember hoping like this for a long time.’ Dave reaches for her hand and circles his thumb on her palm. 

“‘You OK, babe?’ His tenderness melts her, but she can only squeeze his fingers in reply. She can’t afford to soften now. The lift spits them out two floors underground and Tess and Dave walk through a dingy yellow corridor lit with flickering strip lights. It is maybe ten degrees colder here than in the station. This is not the way to the viewing room, where victims’ families see their loved ones still beneath a white sheet. This long walk is for the professionals, the dealers in death. There is nothing beautiful down here: a few laundry bags piled in a trolley, a mop and bucket and a yellow CLEANING IN PROGRESS sign. Tess tries very hard not to think about what gets mopped up down here. 

“‘I don’t understand why it’s just the one body,’ she says. ‘Nothing about this case makes sense.’ 

“‘Just the one body so far,’ Dave corrects her. There’s another fire door ahead; he lengthens his stride to open it for her. Tess isn’t used to these little chivalrous touches. She is astonished to find that she quite likes them. 

“‘Did Alec say if he was staying to continue the search?’ 

“‘He pretty much hung up.’ Dave bites his lip. ‘I’m sure he knows, sometimes, the way he talks to me.’ Tess shakes her head. 

“‘That’s how he talks to everyone.’ But she shakes her shoulders, as though to recalibrate her body language, and by the time they get to the end of the corridor, there’s a big space between her and Dave. When – if – they go public, it must be a long, long time after this case has been put to bed. A technician in mint scrubs is waiting behind a glass door; she punches a number into the keypad to let them in. 

“‘Five minutes,’ says the technician. Her voice is steady but she looks like she’s been crying. ‘Dr Kendall’s just preparing her now. You can wait up here.’ 

“Tess and Dave follow the technician on tiptoe up a short flight of stairs. In the viewing gallery, there’s a row of seats, almost like in a cinema, and the blind is down on the panoramic window so it looks like a blank blue screen. There are a handful of flattened paper bags on the table. Waiting for them is Sanjeev, a newish DC. He’s not long out of uniform so he won’t have worked a case like this before. Tess hasn’t spent much time with him, but she knows Alec really rates him. There’s a weird, stale, boggy smell and for a moment Tess retches, thinking it’s the dead-body-rotting smell she dreads so much. It takes her a few seconds to recognise the smell of stagnant river water, and that it’s coming from Sanj. 

“‘Sarge,’ says Sanj to Tess. ‘How comes you’re not upstairs with the boss?’ Tess doesn’t bother to hide her confusion. 

“‘What’s he doing upstairs?’ 

“‘Don’t panic,’ says Sanj. Immediately Tess starts to panic. ‘It’s just a precaution. He got into difficulties in the water.’

“Tess is bewildered. ‘What was he even doing in the water?’ 

“‘He found her,’ says Sanj, dipping his head. ‘Pippa’s body. He carried her out. You know what he’s like, he stalks off on his own, all impatient, no one can ever work fast enough for him. We didn’t even know he’d gone until he’d got her out. He reckons he went under a few times. He took in a lot of water and they’ve got to be careful about it being in his lungs, or Weil’s disease or something.’ Sanj looks down at his feet; he flexes them, and his shoes squelch. Tess is rooted to the spot, horrified at what Alec must have been through today. She is torn. Instinct urges her to go and check on him; after fourteen years of marriage, you can’t just turn off the concern like a tap. But he’ll be in good hands. He probably won’t even want her, he hates being fussed over. And with him indisposed, she’s the senior officer. 

“She’s still debating with herself when the blinds go up and the theatre is revealed in all its spot-lit, chrome glory, and there, splayed on the slab is— Tess’s vision blurs. There’s a whole team of people, but the pathologist and his team, in their scrubs, are reduced to green blobs. Tess can’t look at anything but Pippa Gillespie’s body. It doesn’t look human. It has been completely bloated by the water; her face is swollen and grey, her limbs pasty and distended. Water has matted her hair and dirt outlines her nails. Tess thinks of the picture they have on the board, that perfect little girl, playing tennis, golden skin, long brown hair, and it is all that she can do to stand. She’s seen bodies destroyed by water before, but never one this young. Tears try to push their way out of her eyes but Tess pushes back harder. She’ll cry later, in front of Dave, but she won’t fall apart in public. She gives silent thanks that Pippa can be identified forensically. Her mother will never have to see her like this. 

“She steps up to the microphone, forcing her voice to hold steady. 

“‘DS Tess Henchard,’ she says. ‘Is there anything you can tell us just by looking at her?’ Dr Kendall looks up to the gallery and nods hello. 

“‘Only that she’s been in the water for at least two days.’ There’s a tenderness in his voice at odds with the gleaming surgical instruments in the tray behind him. ‘So that narrows down your time of death, I suppose. As for the cause … I’ll be frank with you, Sergeant. There’s no obvious wound. Water covers death’s tracks. It gets into the body through the orifices and starts decomposing from the inside as well as out. It affects the tox report. We will work quickly, and to the highest standard, but I can’t guarantee that we’ll find the cause of death. Let’s talk in the morning.’ 

“‘Christ.’ She pushes the heels of her hands onto closed eyes, but the image of Pippa’s face is imprinted on the back of her eyelids. She looks to the door; she ought to check on Alec, for form’s sake as much as anything. Dave doesn’t need to be told what she’s thinking. 

“‘I’ve got this,’ he says. ‘You go to him.’ It is possibly the kindest thing anyone’s ever done for her. He places a hand on her arm, a light gesture but it’s not lost on Sanj. Tess notes his double take, then watches as the horror below wipes the suspicion from his mind, for now at least. She leaves Dave and Sanj to watch the post-mortem. 

“In the lift, her legs go. She has pulled herself to her feet by the time she gets to the front desk. The receptionist points her towards Accident and Emergency. Tess concentrates on putting one foot in front of the other, reading the signs, breathing through her mouth, and trying to close her mind’s eye to the sight of Pippa Gillespie’s body, but the image is imprinted on her for ever. Her badge helps her to jump the queue – she can’t help thinking she gets more respect from the triage receptionist as a Detective Sergeant than she would as a wife – but it still takes her the best part of an hour to find out that Alec has discharged himself. She boils with rage – if he’s gone back to the scene with his health in tatters, she’ll kill him. She asks to see the registrar who treated him; another half-hour wait. 

“She calls Daisy, who’s still at Molly’s. They’re lucky she’s popular. If she has dinner with a different friend every night, that can take them ten days into a case. After that, repeat requests usually get awkward. This time, though, everyone knows the case they’re working on. Friends are falling over themselves to have Daisy for the evening, offering sleepovers, weekend shifts, school pickups. ‘Whatever helps you find those girls’ is the phrase they hear again and again. Tess hopes the goodwill continues into the murder inquiry. Lately, she’s been wondering if the hospitality would extend to a single mother trying to juggle shifts around work and a new relationship. 

“‘It’ll be a little while yet,’ says Tess. ‘Home in time to see you to bed, though.’ ‘Have you found her?’ says Daisy. She has become fixated on Pippa Gillespie; she knows they’re the same age, and she can see what the case is already doing to her parents, three days in. Tess feels a pang for the innocent days when Daisy thought that all they did was direct traffic. Tess and Alec naturally never tell Daisy anything before it’s released to the media. ‘Not yet, sweetie,’ she says. ‘Be good for Molly’s mum.’ 

“Eventually, the registrar comes in, a young man smelling of coffee and sweat. There’s a comet of blood on his white coat. ‘Mr Hardy discharged himself against my recommendation,’ he says. ‘I’m telling you because I’m concerned for his health. Physically, he was fine. I mean, the water doesn’t seem to have done any lasting damage. But he’s suffering from acute stress, and there are more tests we’d like to run. With anyone else I’d recommend that he take time off work, but …’ He spreads his hands. Tess doesn’t know whether he’s implying that the case is more important than one man’s health, or whether he’s simply got the measure of Alec already and knows his advice would fall on deaf ears. 

“There’s a voicemail on her phone from Alec’s second in command, DS Beauman, wishing the boss well and telling him that they’ve got SOCO in now. Alec hasn’t gone back to the crime scene. So where is he? Alec is not at home and he’s not answering his phone. Tess sees Daisy off to bed and opens a bottle of red. She searches Google maps on her iPad, scrolling up and down the length of the Sandbrook looking for patterns, clues, inspiration, until she feels dizzy. 

“She calls the incident room; Sanj answers and immediately asks after Alec. So he’s not there. Dave’s working the scene at the Sandbrook; she texts him to see if Alec’s turned up, then again to see if they’ve found anything new. Both questions come back negative. She deletes the message thread out of habit even though this time there’s nothing incriminating. 

“She’s really starting to worry now. This disappearance is completely unprecedented. She pictures him collapsed behind the wheel somewhere en route to the Sandbrook, and she works herself up into a fury. For all his dedication to his job, he neglects what ought to be his number one priority: making sure he’s in good enough health to do it. There’s real fear under her concern, though, and she’s about to call the hospital when she hears his car on the driveway. It’s 10 p.m. 

“As his key turns in the door, she’s waiting for him in the hall. The sight of him makes her stagger. He’s wearing a grey tracksuit, the police-station-issue kind they give to people whose clothes have been seized as evidence. The trousers are too short and his ankles are exposed, making him look ridiculous. His hair is plastered down.

“She stopped touching Alec a while ago--”

[Oh god, I remember that comment in the first novelization, that Miller is the first person to take his hand in so long he couldn’t remember...]

“-- it started to feel like betraying Dave-- and he doesn’t seem to have noticed, or to miss it.”

[Oh God.]

“She hesitates before going to hug him, and when she opens her arms, Alec folds his and shakes his head. Dave wouldn’t do this, is her first reflex thought. 

“‘Where’ve you been? she asks. It was supposed to come out concerned but it sounds derogatory.

“Alec pinches the bridge of his nose. He closes his eyes nd lets them stay that way. ‘Driving.’

“It’s five hours since he discharged himself from hospital. The thought of him going round and around the ring road in these clothes tugs at the leftovers of her love.

“‘Oh, Alec. What about your clothes?’

“He nods to a clear plastic bag on the doorstep. INside, weeds are wrapped around clothes so muddied that Tess has to think back to what he was wearing when he left for work this morning. His new blue suit. They’ll have to throw it out. Even if the can get it clean, she knows he’ll never be able to wear it again.

“When he pushes past her into the house, Tess can smell the soap from the police station showers on him.

“‘D’you wan to talk about it?’ She pours Alec the last of the wine. He looks into its dark red surface like he’s seeing through it into something else. 

“’I saw her in the mortuary,’ says Tess, ‘It must have been awful for you.’ Alec doesn’t even blink. Dave or no Dave, Tess recognises a man who needs human touch. She puts her hands on his shoulders. When they first got together, she used to massage his shoulder blades at the end of every day, feeling the knots unravel under her fingers.

[An interesting detail.]

“He used to say she had the magic touch, that no one else could relax him like she did. Now, he shrugs her off.

“‘ I’m going to check on Daisy.’

“Tess follows him upstairs and they stand at Daisy’s open bedroom door for a while. She is asleep under a garland of IKEA fairy lights, watched over by a peeling Taylor Swift poster. The tweenage sneer she wears all day has vanished. Her lips are an open rose; her brow is smooth. The difference between their perfect sleeping daughter and the deformed corpse of Pippa Gillespie hits Tess in the guts.

“‘Is she breathing?’ Alec asks suddenly, an octave higher than his usual register. ‘I can’t see her moving.’ Before Tess understands what’s happening, he’s kneeling at Daisy’s bedside. He used to do this when she was a baby, leap out of bed to check she was still alive. Tess had completely forgotten about it until now.

[That’s interesting, does he have past trauma with stuff like that? seems like he already had dead-kid PTSD BEFORE he went into the river after Pippa Gillespie. poor sucker...]

“’She’s not moving!’ He puts his hands on Daisy’s shoulders.

“’Alec, stop it!’ Tess keeps her voice to a whisper even though his was a shout, but it’s too late, he’s already shaking her awake. Daisy’s body flops, but her eyes snap wide.

“‘Daddy, what are you doing?’ She says, as Alec pulls her into a clumsy embrace and buries his face in her nightie.Tess doesn’t have enough hands as she tries to pull him off and calm Daisy at the same time. 

[LET THE MAN HUG HIS DAUGHTER]

“In the end, she has to tug at the collar of his tracksuit top. The pressure on his windpipe seems to knock the panic out of him, and he lets Daisy go.

“‘Out,’ snarls Tess.

“‘I’m sorry, darling.’ Alec walks backwards towards the door. ‘I just needed to make sure you were OK.’

“It only takes Tess a couple of minutes to soothe Daisy back to sleep; she’s confused rather than frightened, still young enough that a few soft words from her mother can chase the monsters away, and Tess hopes that in the morning they’ll be able to dismiss it as a bad dream. She waits until Daisy’s breathing regulates, tucks a stray lock of hair behind her daughter’s ear, and tiptoes out onto the landing.

“Alec sits in the half-dark like a little boy, his knees pulled up to his chest, leaning against the wall as if he has slid down it. Tess kneels next to him on the carpet. His eyes glitter.

“‘I can still see her face,’ he says. He holds out his arms in front if him, palms upwards, elbows bent. ‘I can still feel the weight of her.’ Tess pulls him against her shoulder; he resists for a moment, then collapses and weeps into her neck. This time when she reaches around and starts to work on the muscles in his shoulders, he lets her. His back feels like a sheet of metal; she keeps going until her fingers ache and she starts to feel bone and sinew under his sweatshirt. 

[How is this man constantly portrayed/described as looking like he is shit warmed over, and yet he is one of the most compelling/interesting/attractive characters Tennant has ever played???]

“When Tess shifts position, Alec seems to gather himself, like he’s let out exactly the amount of emotion that was clouding his judgement, and not a drop more. He doesn’t move his head from her breast, but there’s an edge to his voice that almost thrills her.

“‘We’re no longer dealing with a missing persons inquiry. We know where we stand now. We’ll get this.’ Without warning, he leaps to his feet. ‘We know who we’re dealing with now. A monster, someone who can leave a child to rot in a river.’ He starts to pace, his ridiculous bare ankles going backwards and forwards in Tess’s eyeline. ‘This is what we trained for, isn’t it? to get justice for families like this.’

“His new confidence is infectious. Tess often forgets, in all the frustration of living with Alec, what a brilliant detective he is. Or rather, she forgets why he’s so good at his job. It’s the quality that first attracted her to him, that pure, almost old-fashioned belief that good can vanquish evil.

“He is a good detective because, underneath it all, he is a good man.

“It’s going to make leaving him so much harder.”

...

Ouch.

See you next time!

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