Absolutely agree. My late father paid into his scheme for 33 years before he was placed in the position of either waiting an shortish but unspecified time for redundancy, or leave. Joining the company (Motor Industries Exports Ltd, later Nuffield Exports Ltd, the export division of Morris Motors) in Oxford in 1934, his job was moved to Birmingham in 1967 and he was given the big elbow out of the door. We emigrated to NZ in July 1967. Before he left he asked about his pension and was told in very stern terms that as he was going to the other side of the planet he should expect anything as it would be impossible to contact him. Haha!! There was pigeon post even in those days. Ironically, it was British Leyland (NZ) Ltd who employed him when we got here. After 14 years here in NZ my father passed away aged 61 (an ex-serviceman. 6 years with the RAF during WWII). All the while here he religiously kept "them" informed of any change of address. He never once received a reply.......... from anyone. To this day 37 years since he passed away we have never been able to trace where his pension disappeared to and the online Pension Tracing Service is a waste of time as I am told much of the info on there is either out of date or incorrect. Aon Hewitt who it told me are the administrators the Nuffield Organisation Staff Pension Fund (BMW (UK) Operations Pension Fund) tell me they have no record of him.......... because their fund only started in 1975 and since he left before that in '67, as far as they're concerned he never worked for the company. We (that's myself and my father's now very elderly (90) wife, have tried and tried since 1981 to find what happened and still we are no further forward. Yes, it's like a big set up to ensure people and their money are well and truly parted.