Limitation of action – When time begins to run. In August 2000, the claimants' employment with the British Telecommunications (BT) ceased and they transferred to another company. In August 2002, the claimants ceased to be members of BT's pension scheme. In August 2008, the claimants issued proceedings against BT in contract and tort, based on representations that their employment terms, including pension, would not change. The master struck out the contract claim as time-barred, but not the tort claim and BT appealed. The Queen's Bench Division, in dismissing the appeal, held that the master's decision on the accrual of the cause of action in tort had been correct, as actual damage had been suffered by the claimants when they had ceased to be members of the BT pension scheme.