Like other contributors, I received letters from FTB asking me to contact them to confirm information held about me by "an occupational pension scheme". I was suspicious because the scheme was not named in the letters, and considered binning them. However, I found this site and read the posts that have been submitted, and decided to telephone FTB. It turned out that they had been instructed by an operational pension scheme to establish contact with me on their behalf. This scheme was managing the pension rights of employees of an organization which I worked for briefly and is now defunct. I had forgotten that I was entitled to a pension. I only worked for about six months in a low-status job, but even if I receive just enough pension to buy fish and chips once a fortnight, it's better than a kick in the teeth. FTB gives little away in its approaches, to discourage the devious from making false claims. When I telephoned them, snippets of information were exchanged bit-by-bit to establish trust. I am glad that they found me!