- 1 What happens in a Universal Credit meeting?
- 2 How much pension lump sum can I take?
- 3 How long is the waiting period pensions UK?
- 4 How do I know if DWP are investigating me?
- 5 Who is eligible for pension credit UK?
- 6 How long does it take for Universal Credit to be approved?
- 7 How long does it take to receive a lump sum pension?
- 8 How much have pension funds dropped?
- 9 What happens if Universal Credit find out you have savings?
- 10 Can the government see my bank account UK?
Can the DWP check my savings?
Will my savings balance be checked if I apply for Universal Credit? – While you may feel UC eligibility rules penalises savers who have been sensible by putting money aside for a rainy day, it’s important to be honest if you ever make a UC claim. If you do make a claim for UC and understate your total amount of savings or investments, you may be committing benefit fraud.
- This is something that DWP is hot on at the moment.
- The Department recently announced it was placing, plus a 2,000 strong team ‘dedicated to reviewing existing Universal Credit claims and enhanced data analytics to develop new ways to prevent and detect fraud.’ The Department says these actions should help to prevent £2 billion of losses due to fraud and error over the next five years.
DWP investigators do have the power to gather various types of evidence against those they suspect may be acting fraudulently. This may include looking into financial data, such as bank statements or savings accounts.
What happens in a Universal Credit meeting?
Agree your claimant commitment – After you’ve told your work coach about your situation, they’ll tell you what ‘work related activity group’ you’ll be in. Each group has different tasks to get ready for work – they could be applying for jobs or updating your CV. Your work coach will write your tasks on your claimant commitment.
How much pension lump sum can I take?
Take cash lump sums – You can take your whole pension pot as cash straight away if you want to, no matter what size it is. You can also take smaller sums as cash whenever you need to.25% of your total pension pot will be tax-free. You’ll pay tax on the rest as if it were income.
How long is the waiting period pensions UK?
Postponement or Waiting / Deferral Periods – Employers can operate a waiting period of up to 3 months before auto-enrolling their employees. To do this, an employer must give their employees a deferral notice within 6 weeks of the start of the deferral period.
How do I know if DWP are investigating me?
The Government is cracking down on benefit fraud with a plan to save an estimated £4 billion being lost in fraud and error over the next five years. The Department of Work and Pensions ( DWP ) opened 18,691 investigations into alleged benefit fraud up to the end of March 2023, as part of the £613million drive announced last year.
- Faking an illness or injury;
- Failing to report income from a business or employment to make income seem lower;
- Living with someone who contributes to the household income without declaring it;
- Falsifying accounts.
According to guidance on GOV.UK, you may also be visited by a Fraud Investigation Office or asked to attend an interview about your claim, although in the early stages, you may not know an investigation is underway. DWP investigators are allowed to gather many types of evidence to assess whether there is good reason to investigate a potential case of fraud, such as surveillance, interviews, and document tracing.
- If your claim is suspicious, you will be notified about it, usually be in writing.
- No official date has been confirmed by the Government into when new powers will start.
- Under the new proposals, the DWP investigators powers will widen to include executing warrants, search and seizure of evidence and even making arrests.
They will also include requirements for organisations, such as banks, to share data securely on an increased scale to check levels of savings and whether claimants are living abroad. The most common types of evidence currently used to investigate fraud includes:
- Inspector reports from surveillance activities
- Photographs or videos
- Audio recordings
- Financial data, including bank statements
- Interviews with you or people you know
- Any evidence submitted by those who reported you
- Social media accounts and online profiles. If your social media posts are not consistent with your claims for benefits, this evidence may be used against you.
What happens if you’re suspected of benefit fraud You’ll be contacted by the Department for Work and Pensions (DWP), HM Revenue and Customs (HMRC), the Defence Business Services or your local authority if you’re suspected of fraud. Your benefit may be stopped while you’re investigated but you will get a letter telling you about this if it happens.
You may be visited by Fraud Investigation Officers (FIOs) or asked to attend an interview to talk about your claim – this is called an ‘interview under caution’, when FIOs will gather facts about your case and decide whether to take further action. An ‘interview under caution’ is a formal interview that is often recorded.
VA Claim Process: How Long Does it Take?
It could become part of a criminal investigation against you. What happens after a benefit fraud investigation If you’ve committed or attempted fraud, one or more of the following may also happen:
- You’ll be told to pay back the overpaid money
- You may be taken to court or asked to pay a penalty (between £350 and £5,000)
- Your benefits may be reduced or stopped
Losing benefits if you’re convicted of benefit fraud Your benefits can be reduced or stopped for up to three years if you’re convicted of benefit fraud. The amount of time they’re stopped for depends on how many times you’ve committed fraud. Only certain benefits can be reduced or stopped.
These are called ‘sanctionable benefits’. But if you commit fraud on a benefit that cannot be reduced or stopped, your other benefits can be reduced instead. Universal Credit, Housing Benefit and Pension Credit can be reduced or stopped if you commit benefit fraud, but contain benefits such as Child Benefit, State Pension and PIP can’t.
For a full list, see here, Now read:
- 98% of Universal Credit sanctions were for missed interviews, DWP figures show
- All you need to know about Universal Credit sanctions as DWP imposes ‘more rigorous’ regime
- ‘No-shows have increased every week’ – Volunteers’ frustration as food left which could have fed needy families
- Universal Credit claimants sanctioned by DWP can now ask for their money back
- DWP benefits could be slashed as energy bill repayments freeze comes to an end
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How much money can you have in the bank and still claim benefits UK?
You can have up to £10,000 in savings before it affects your claim. Every £500 over that amount counts as £1 of weekly income. If you get Pension Credit guarantee credit, you can have more than £16,000 in savings without it affecting your Housing Benefit.
Do you lose benefits if you have savings?
Some benefits are affected by the amount of money you have in savings, such as cash in a savings account, or investments in shares. These benefits are called means-tested benefits. Find out more about which benefits are affected by savings or a lump sum payout, such as redundancy pay or compensation.
Who is eligible for pension credit UK?
If you have a partner – You must include your partner on your application. You’ll be eligible if either:
you and your partner have both reached State Pension age one of you is getting Housing Benefit for people over State Pension age
A partner is either:
your husband, wife or civil partner – if you live with them someone you live with as a couple, without being married or in a civil partnership
What is free at 60 UK?
Free TV license – While all over 75s used to be entitled to a free TV licence, the rules changed in 2020. Now, you can only get a free TV licence if you, or someone else in your household, is over 75 and claiming pension guarantee credits. You can also get a free TV licence if you live in a care home.
What are 60 year olds entitled to in UK?
UK pensioner benefits – At the age of 66, those in the UK are eligible to start claiming a state pension, A state pension is one of the best benefits for over 60s, providing a regular income of money to help sustain them during their retirement. The amount of money that you are entitled to depends on how many years of National Insurance payments you have accrued.
How long does it take for Universal Credit to be approved?
If you’ve already had your interview – You can phone the Universal Credit helpline to ask for an advance payment or apply through your online account. You can ask up to 1 month after you apply for Universal Credit. It’s best to ask as soon as possible.
Once you claim Universal Credit it will take at least 5 weeks for you to get your first payment. You’ll need to think about how much money you’ll need until your first payment. Universal Credit helpline Telephone: 0800 328 5644 Telephone (Welsh language): 0800 328 1744 Textphone: 0800 328 1344 Relay UK – if you can’t hear or speak on the phone, you can type what you want to say: 18001 then 0800 328 5644 You can use Relay UK with an app or a textphone.
There’s no extra charge to use it. Find out how to use Relay UK on the Relay UK website. Video relay – if you use British Sign Language (BSL). You can find out how to use video relay on YouTube. Monday to Friday, 8am to 6pm Calls are free from mobiles and landlines.
Can Universal Credit look in your bank account?
Universal Credit: Does DWP monitor your bank with Universal Credit?
Under the Social Security Administration Act, the DWP is authorised to collect information from various places, including banks.This is tightly controlled though, and would probably only be used if you were under investigation for fraud.If you are suspected of committing benefit fraud, the DWP, HMRC the Service and Personnel and Veterans Agency or your local authority will contact you.The site states: “They are authorised to obtain certain information from specified people, including employers, contractors, the self-employed, pension providers and licensing authorities.”They carry identity cards that confirm they act on behalf of the department.”This code of practice explains the powers of Authorised Officers, the extent of their powers, and the responsibilities and rights of the people they request information from.”
: Universal Credit: Does DWP monitor your bank with Universal Credit?
Does Universal Credit back pay?
Backdating your Universal Credit – You might be able to apply for a Universal Credit payment to cover up to 1 month before you started your claim – this is called ‘backdating’. If you moved to Universal Credit from other benefits because you got a ‘migration notice’ from the DWP, they might backdate your payments automatically.
haven’t had a migration notice from the DWP have had a migration notice, but claimed more than a month after the deadline
How long does it take to receive a lump sum pension?
How long does it take to receive a pension lump sum? – Usually it will take around four to five weeks from the date of your request for your pension provider to release your lump sum.
Is it better to take a lump sum or monthly pension?
The Bottom Line – For some, a lump-sum pension payment makes sense. For others, having less to upfront capital is better. In either case, pension payments should be used responsibility with the mindset of having these resources support you throughout your retirement.
What is the tax-free allowance for pensioners in UK?
After you’ve retired, you still have to pay Income Tax on any income over your Personal Allowance (find out more below). This applies to all your pension income, including the State Pension. Many people assume that their pension income – especially the State Pension – will be tax-free, but that’s not the case.
Some income, including your State Pension, is paid without any tax being taken off. But it doesn’t mean that tax isn’t due. If you have to pay tax on your State Pension, this will usually be collected through any personal or workplace pension you might have. National Insurance contributions are payable from the age of 16 to State Pension age.
So if you continue working beyond the State Pension age, you currently no longer pay National Insurance contributions on your earnings. The Standard Personal Allowance is £12,570 (2023-24). This means you’re able to earn or receive up to £12,570 in the 2023-24 tax year (6 April to 5 April) and not pay any tax.
- This is called your Personal Allowance.
- If you earn or receive less than this, you’re a non-taxpayer.
- Your Personal Allowance might be higher than this if you qualify to claim Marriage and married couple’s allowance Your Personal Allowance may be lower than this in certain circumstances – for example, if you’re a high earner and your adjusted net income is over £100,000.
You pay tax on your pension if your total annual income adds up to more than your Personal Allowance. For 2023/2024, that means if your income is over £12,570. If you have a defined benefit pension (also known as a final salary or career average pension) you’ll be paid an income for life, which will be taxable as earnings.
- You might also get a tax-free lump sum alongside this.
- When you’ve reached the age you’re allowed to access it (currently the earliest age in most cases 55, but this is increasing to 57 from 2028), you can take money out of your pension as and when you want.
- However, usually only the first quarter (25%) will be tax-free.
The rest is taxable as earnings. The tax rate you pay increases when your income goes over the income tax thresholds. This means that the more money you take from your pension pot, the higher your tax bill could be. This table gives an overview of how much tax you might pay on the money you take from your pension pot, based on the different options.
In certain circumstances, you may be able to receive more than 25% of your pension tax-free. If you were a member of a pension before 6 April 2006 you may have the right to be paid a tax-free lump sum of more than 25% of the value of your pension under the scheme. To be paid the whole lump sum tax-free you will need to have lifetime allowance available when the lump sum is paid From 2023/24 the maximum amount which a member can take as a tax free lump sum will be frozen at £268,275 — 25% of the current standard lifetime allowance of £1,073,100.
You may be able to receive a tax-free lump sum of more than 25% of the lifetime allowance if you have applied to and received either enhanced or primary protection from HMRC with lump sum protection. Different terms and conditions apply to each of these protections.
Your certificate will contain details of any lump sum protection. If you have fixed or individual protection relating to the lifetime allowance, the amount of tax-free lump sum you can take is normally limited to 25% of the value of your protection. Money you take from your pot comes from your provider with the tax already taken off.
Your provider will have calculated this by using your tax code. Your provider may also take off any tax due on your State Pension through Pay As You Earn (PAYE). On some occasions you might pay emergency tax when you take money from your pot. You can claim this back from HMRC.
In later life, it’s common to have income from different sources. For example, you might still work part-time and have an income from one or more pensions, as well as perhaps from some savings. If you have income from more than one source, make sure HMRC know this – so you pay the right amount of tax against each income.
Your Personal Allowance will normally be allocated against your main job or pension – usually the income that’s more than the Personal Allowance. If this is the case, any other income you get will all be taxed according to which tax band the other income falls into.
Details of the current tax bands for the UK Opens in a new window are on GOV.UK Your PAYE tax code will have letters against it, which tells you how much tax will be deducted from each income source. Do you have income from different sources below the Personal Allowance (£12,570 for 2023-24)? Then ask HMRC to spread your Personal Allowance between the different sources of income to make sure you don’t pay too much tax.
If you do overpay tax, you can claim this back at the end of the tax year. Make sure you check the tax code(s) so you know that the right amount of tax is deducted. Not sure whether your tax code is correct? The charity the Low Incomes Tax Reform Group have more information on their website If you continue to work and are self-employed or your total income (including money from pensions and PAYE) is £100,000 or more for the tax year, you’ll have to fill in a Self Assessment tax return.
- You’re also responsible for paying tax on other income you have, such as from property or investments.
- You might have to fill in a Self-Assessment tax return for that too.
- The Personal Savings Allowance, introduced in April 2016, is the amount of interest you can receive on your cash savings tax-free.
It’s currently £1,000 for basic rate taxpayers and £500 for higher rate taxpayers (there’s no allowance for Additional Rate taxpayers). Since April 2016, banks and building societies no longer deduct basic rate tax from the interest on your savings. Instead, if your savings income is over £1,000 for a basic rate taxpayer and £500 for a higher rate taxpayer, HMRC will collect any tax due through your PAYE code.
If you normally declare savings income through a Self Assessment tax return, you should continue to do this. If your overall income is below the Personal Allowance (£12,570 for 2023-24), you’re also entitled to the £5,000 ‘starting rate for savings’ of 0%. This is on top of the £1,000 Personal Savings Allowance.
You can still claim back tax you’ve paid on your savings in previous years when you shouldn’t have done. Interest or investment growth you get from tax-efficient savings accounts, such as cash ISAs, is paid tax-free – regardless of whether you’re a taxpayer.
TaxAid Opens in a new window provides free, independent advice on tax issues for people on incomes of £20,000 a year or less. Tax Help for Older People Opens in a new window provides free help with tax problems to those who are close to 60 and are on an income of up to £20,000. The Low Incomes Tax Reform Group Opens in a new window provides guidance to people who may not be able to afford professional advice.
How long does it take to receive lump sum pension UK?
How do you withdraw money from your pension? – When you have decided it’s finally time to withdraw money from your pension pot, you should get in touch with your provider. It may be wiser to give them a call, as they can talk you through your options. There are several different options available to you when it comes to withdrawing your pension, including:
Annuities – these involve you withdrawing some or all of your pension, then swapping some, if not all, as a regular taxed income that is guaranteed for life. Drawdown – this is when you take 25% as a tax-free lump sum, and then keep the rest of your savings invested. You can, of course, take a flexible income at the same time. Not every pension provider will offer a drawdown option. See my pick of top drawdown pension providers for more information. Lump sums – you could take lump sums from your pension. You could decide to make lots of smaller lump sum withdrawals, or take lump sum withdrawals where 25% of each withdrawal will usually be paid tax-free and the rest taxed as income. You can even withdraw your entire pension as a lump sum if you want, though only 25% will be tax-free.
Once you have decided on the plan for your pension savings, you will typically be sent a letter from your provider that needs to be signed. After this has been done, you should expect to wait the previously mentioned periods of time for your requests to be met. If you’re unsure whether this is the right choice for you, make sure you speak to an independent financial adviser,
What pension will 150 000 buy UK?
Annuity – You could get a monthly income of about £1,445 or an annual income of £17,347 with an annuity, according to the online annuity calculator from Money Helper. This is after taking the 25% tax-free lump sum, and assumes you start at age 66, are single and want the value to increase with RPI each year. In a nutshell:
Lump sum: £500,000 Drawdown monthly income after 25% tax-free withdrawal: £1,250 Annuity monthly income after 25% tax-free withdrawal: £1,445
*Assuming you withdraw 4% a year and retire at 66.
|Pension pot size
|Monthly income if taking tax-free 25% lump sum upfront
|Monthly income including 25% tax-free allowance
|Monthly income from annuity
How far would a £500,000 pension get you? Source: New World, Money Helper
How much have pension funds dropped?
Download this chart Figure 7. The number of members with access to UFPLS and drawdown benefits has increased by 5.96 million between 31 March 2020 and 30 September 2022 – Image,csv,xls This increase of members with access to “both” UFPLS and drawdown benefits (33%) is in line with the private sector defined contribution (DC) membership change seen over the same time period.
- Additionally, there was an increase in the percentage of private sector DC pension schemes offering both benefit types, from 16% to 23%, between 31 March 2020 and 30 September 2022.
- A higher proportion of larger private sector DC pension schemes offer both benefit types compared with smaller private sector DC pension schemes.
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Can the UK government take your savings?
With great power comes great responsibility – There are major concerns about this new extension of HMRC’s power. The Government has suggested that it’s similar in practice to child maintenance payments, but in that case the Department of Work and Pensions works as an intermediary between two parties.
In this scenario HMRC are acting solely in their own interest. This wasn’t the only overzealous tax collecting power announced in the budget, either. HMRC can now take money from people simply if they think they may be using illegal tax avoidance methods. This means they keep the cash until legal proceedings are over, paying it back with interest if they lose.
These rules will apply retrospectively to the existing 65,000 outstanding tax avoidance cases. Again, no magistrate or judge is required, meaning HMRC has hugely increased its tax collection powers with no new independent safeguards or checks. One of the biggest worries is how HMRC will handle these new tools; they don’t exactly have a great record when it comes to accuracy.
Whether it’s losing physical records or allocating millions of people with the wrong tax codes, HMRC has shown it makes mistakes, and does so often. For example, it is thought and don’t even know. According to HMRC, 3.5 million people paid too much tax in 2012-13. As you might expect, strong-arm tactics combined with a penchant for inaccuracy means many businesses and tax bodies are concerned about HMRC’s new powers.
Particularly worrisome is if HMRC suspects you of doing something illegal – they’re going to be able to take the money they think they’ll win from you without any outside checks (and they’ve already had several embarrassing cockups in this area). Ronnie Ludwig, a partner at Saffrey Champness, is strongly against the idea.
What happens if Universal Credit find out you have savings?
Capital over £6,000 but less than £16,000 – This will affect how much Universal Credit you can get. For each £250 (or any part of £250) you have over £6,000, your Universal Credit will reduce by £4.35 in each assessment period. For example, if you have savings of £6,200 your Universal Credit will reduce by £4.35.
Can the government see my bank account UK?
Government Gateway – HMRC operates Government Gateway on behalf of the government. When you log into Government Gateway to access another government department or local authority service HMRC transaction monitoring may collect and process your data while you are using Government Gateway.
- Sometimes you may indirectly use a shared HMRC service.
- Some of our services perform a specific function within someone else’s service.
- HMRC has a shared service to check bank account details are correct.
- Other government departments and local authorities could collect your bank details from you, then check them with our shared service.
The department or local authority will tell you if they are using an HMRC shared service when you give your bank details using one of our shared services. Our transaction monitoring may then collect and process your data while you use that shared service.
Can DWP see your search history?
The list of organisations that will be allowed to view your entire internet history Thursday 24 November 2016 11:56 Do you know which parts of the Government can access your browsing history? Organisations including the Food Standards Agency and the Department for Work and Pensions will be able to see UK citizens’ entire internet browsing history within weeks. The Investigatory Powers Bill, which was, forces internet providers to keep a full list of internet connection records (ICRs) for a year and to make them available to the Government if asked.
- Those ICRs in effect serve as a full list of every website that people have visited, rather than collecting which specific pages are visited or what’s done on them.
- ICRs will be made available to a wide range of government bodies.
- Those include expected law enforcement organisations such as the police, the military and the secret service, but also includes bodies such as the Food Standards Agency, the Gambling Commission, councils and the Welsh Ambulance Services National Health Service Trust.
The full list of agencies that can now ask for UK citizens’ browsing history, which is and, is below:
Metropolitan Police Service City of London Police Police forces maintained under section 2 of the Police Act 1996 Police Service of Scotland Police Service of Northern Ireland British Transport Police Ministry of Defence Police Royal Navy Police Royal Military Police Royal Air Force Police Security Service Secret Intelligence Service GCHQ Ministry of Defence Department of Health Home Office Ministry of Justice National Crime Agency HM Revenue & Customs Department for Transport Department for Work and Pensions NHS trusts and foundation trusts in England that provide ambulance services Common Services Agency for the Scottish Health Service Competition and Markets Authority Criminal Cases Review Commission Department for Communities in Northern Ireland Department for the Economy in Northern Ireland Department of Justice in Northern Ireland Financial Conduct Authority Fire and rescue authorities under the Fire and Rescue Services Act 2004 Food Standards Agency Food Standards Scotland Gambling Commission Gangmasters and Labour Abuse Authority Health and Safety Executive Independent Police Complaints Commissioner Information Commissioner NHS Business Services Authority Northern Ireland Ambulance Service Health and Social Care Trust Northern Ireland Fire and Rescue Service Board Northern Ireland Health and Social Care Regional Business Services Organisation Office of Communications Office of the Police Ombudsman for Northern Ireland Police Investigations and Review Commissioner Scottish Ambulance Service Board Scottish Criminal Cases Review Commission Serious Fraud Office Welsh Ambulance Services National Health Service Trust
Russia has launched a humanoid robot into space on a rocket bound for the International Space Station (ISS). The robot Fedor will spend 10 days aboard the ISS practising skills such as using tools to fix issues onboard. Russia’s deputy prime minister Dmitry Rogozin has previously shared videos of Fedor handling and shooting guns at a firing range with deadly accuracy.
- Dmitry Rogozin/Twitter Google celebrates its 21st birthday on September 27.
- The The search engine was founded in September 1998 by two PhD students, Larry Page and Sergey Brin, in their dormitories at California’s Stanford University.
- Page and Brin chose the name google as it recalled the mathematic term ‘googol’, meaning 10 raised to the power of 100 Google Chief engineer of LIFT aircraft Balazs Kerulo demonstrates the company’s “Hexa” personal drone craft in Lago Vista, Texas on June 3 2019 Reuters Microsoft announced Project Scarlett, the successor to the Xbox One, at E3 2019.
The company said that the new console will be 4 times as powerful as the Xbox One and is slated for a release date of Christmas 2020 Getty Apple has announced the new iPod Touch, the first new iPod in four years. The device will have the option of adding more storage, up to 256GB Apple Samsung will cancel orders of its Galaxy Fold phone at the end of May if the phone is not then ready for sale.
The $2000 folding phone has been found to break easily with review copies being recalled after backlash PA Apple has cancelled its AirPower wireless charging mat, which was slated as a way to charge numerous apple products at once AFP/Getty India has claimed status as part of a “super league” of nations after shooting down a live satellite in a test of new missile technology EPA 5G wireless internet is expected to launch in 2019, with the potential to reach speeds of 50mb/s Getty Uber has halted testing of driverless vehicles after a woman was killed by one of their cars in Tempe, Arizona.
March 19 2018 Getty A humanoid robot gestures during a demo at a stall in the Indian Machine Tools Expo, IMTEX/Tooltech 2017 held in Bangalore Getty A humanoid robot gestures during a demo at a stall in the Indian Machine Tools Expo, IMTEX/Tooltech 2017 held in Bangalore Getty Engineers test a four-metre-tall humanoid manned robot dubbed Method-2 in a lab of the Hankook Mirae Technology in Gunpo, south of Seoul, South Korea Jung Yeon-Je/AFP/Getty Engineers test a four-metre-tall humanoid manned robot dubbed Method-2 in a lab of the Hankook Mirae Technology in Gunpo, south of Seoul, South Korea Jung Yeon-Je/AFP/Getty The giant human-like robot bears a striking resemblance to the military robots starring in the movie ‘Avatar’ and is claimed as a world first by its creators from a South Korean robotic company Jung Yeon-Je/AFP/Getty Engineers test a four-metre-tall humanoid manned robot dubbed Method-2 in a lab of the Hankook Mirae Technology in Gunpo, south of Seoul, South Korea Jung Yeon-Je/AFP/Getty Waseda University’s saxophonist robot WAS-5, developed by professor Atsuo Takanishi Rex Waseda University’s saxophonist robot WAS-5, developed by professor Atsuo Takanishi and Kaptain Rock playing one string light saber guitar perform jam session Rex A test line of a new energy suspension railway resembling the giant panda is seen in Chengdu, Sichuan Province, China Reuters A test line of a new energy suspension railway, resembling a giant panda, is seen in Chengdu, Sichuan Province, China Reuters A concept car by Trumpchi from GAC Group is shown at the International Automobile Exhibition in Guangzhou, China Rex A Mirai fuel cell vehicle by Toyota is displayed at the International Automobile Exhibition in Guangzhou, China Reuters A visitor tries a Nissan VR experience at the International Automobile Exhibition in Guangzhou, China Reuters A man looks at an exhibit entitled ‘Mimus’ a giant industrial robot which has been reprogrammed to interact with humans during a photocall at the new Design Museum in South Kensington, London Getty A new Israeli Da-Vinci unmanned aerial vehicle manufactured by Elbit Systems is displayed during the 4th International conference on Home Land Security and Cyber in the Israeli coastal city of Tel Aviv Getty The same part of the Bill also stipulates the lowest office or rank that each person within those organisations must be if they want access to the records.