Marc Gander - The Consumer Survival Handbook

A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.


Patricia Pearl - Small Claims Procedure - A Practical Guide

An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1

    Default opted out of pension (serps)

    hi I am 55 this year and not sure what I need to do...I opted out of serps when it very 1st stated late 70's I believe..I carried on receiving top ups from my national insurance until I started working for royal mail from 2003 when these NI contributions stopped.....what effect will this have on my state pension and can I withdraw a lump sum from this or not..i hope you understand what im trying to say..cheers paul

  2. #2

    Default Re: opted out of pension (serps)

    Hello there.

    When SERPS pensions were set up, I don't think you could take the money out as cash, but there have been so many changes that I don't know now, with more coming in April this year.

    I would try speaking to the pension provider company or the Money Advice Service and see what they say.

    Please let us know how you get on.


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