Hi Sali, Thank for your reply, I am happy that you have now been able to track down your policy & resolve the pension issue for your relative. I share your concern regarding the Pension Industry & their pass parcel approach with our policies, it makes me feel that someone is making a small fortune moving paperwork around which will most likely be at our expense. Whilst I am lucky I have a working knowledge of computers to enable me to track down both companies & information, there are many people out there now reaching retirement age who do not have the skills to be able to get what is rightfully theirs. I as many was unaware that I had to input a claim for my state pension which I have been able to do online & that to can be a long winded process. It has taken me three months to resolve all my pension issues in advance of my retirement & have had to experience numerous delays & conflicting information from call centre staff who do not understand their own companies products & procedures. That's me done, I am off to fight yet another battle.

Hi Sali, Firstly, I input a reply several days ago but it did not log I have now found its by using the smiley faces so I will now start again. Several weeks ago I came across you thread whilst searching the web for the type of information you were looking for. I was advise by the Citizens Advise Bureau that under Law the company which NOW hold the Pension Plan must contact you near the time of your retirement. This is correct but In my case I found that they sent my information to my original address from 30 years ago when the policy was started by a previous employer who has now creased trading. To assist you & anyone looking for the MAA NATIONAL MOTOR INDUSTRY PENSION PLAN I have compiled MY JOURNEY which give's as much information as I can without using my contacts names & where possible I have supplied contact information which are correct to the best of my knowledge. May I clearly state that it is important to tack if you come up against what appears to be a brick wall as a new direction in your search may well pay off as in my case. MY JOURNEY The (MAA) Motor Agents Association now trades as (RMIF) The Retail Motor Industry Federation Ltd. All MAA Pension Plans started MAA NATIONAL MOTOR INDUSTRY PENSION PLAN & when / A N OTHER MOTOR DEALER or DEAL GROUP, this is because the MAA offered their dealer members a pension service which was tailored to their needs which was underwritten by several insurance companies. Contacted the Pension Tracing Service Team via email after completing online form Tel: 0845 600 2537 received 4 days later reply that I should contact Prudential, Reading,RG1 3AA Tel: 0845 300 2634 , wrote to them with full supporting information to receive reply 16 days to advise me that they did not cover by ex employers pension plans until after April 1995. (B2S) Back to start - Contacted (PPF) Pension Protection Fund Tel: 0845 600 2541 sent email enquiry to receive a will reply in 5 days Auto-acknowledgment received telephone call from Croydon telling me that 24 days advising me that the PPF HOLD NO RECORDS of my policy which they confirmed by email. B2S - I started searching the WEB again by inputting Motor Industry Pension Plan Trustees Ltd which came up on the DueDil company search site which listed the trustees as having a parent group which was RMIF also the Finance Director was the same for both companies. Sent email to RMIF, 201 Great Portland Street, LONDON . W1W 5AB TO RECEIVE A PROMPT REPLY 4 days informing me that the pension Administrator was now with Aon Hewitt consulting Retirement Practice, Birmingham,B3 2QD Tel: 0121 262 5083 & that they had forwarded my enquiry to them. Aon Hewitt responded next day to advise me that they would investigate my pension benefit & reply within the next week. I emailed them again after 10 days to which they replied that MY pension plan was now with PHOENIX LIFE, GLASGOW, G2 6HR Tel No: 0845 938 0523 who they had contacted on my behalf & Phoenix confirmed they had my policy & had sent my notification to my old address several weeks ago. The GOOD NEWS is my policy is all sorted & will start paying out shortly. Finally, sorry for being so long winded but its the only way to get the inform across, remember its your money they got & my opinion is that the Pension Industry needs a good overall as the Companies are on a WINNER every time & we policy holds loss out again & again. Luck Good & Keep searching it's your moneys out there somewhere. PS Hope the spellings OK

Hi desktidy100, Cannot advise on which LAW would apply but companies do not like negative media attraction which will always put them in a bad light with the general public. Consider posting a softly worded review on the coach companies website or local coach review site & make this a point in your letter of complaint. I have had many years in front line customer service & always found that I responded best to the customers who were reasonable about the issue in hand, remember its the company MD who controls the Refunds NOT the depot Manager - go to the TOP. WIN the person then WIN the case.

Firstly, the Internet is an excellent sales tool which lets the advertiser create the best possible image of the company & YES they will show their best Coach with all the mod-cons to impress you. You should always view the product of this type & cost before you enter into a contract paying the total up front is bad practice. However lot of companies are now using this method liking buying a car, new kitchen or holiday you normally are forced into paying up front if you want that product, this is because the company want to safeguard their money before providing their product or service to you. I have had dealing with numerous Coach companies & most of them have poor cash flow & move around a lot, their coach fleets are normally long in the tooth with the exception one or two new coaches. It is worth noting that many local bus companies have coach fleets & they value their name so normally give you what you want. If you are dealing via the web try a direct approach going to their premises & confronting the MD face to face. May I advise you NOT to be to aggressive but give him / her a formal letter informing them what you want from them in a constructive manner before you consider escalating the issue with the local media etc. Make two copies of your letter & get a signature for the receipt of the original latter, that will clearly demonstrate that you mean business. It is clear that you feel disappoint with the service you have paid for up front & rightly so put your disappoint to them supported by letters of complaints from your three coach full party who may well share your views that's 150 dissatisfied customers? Good luck & be as in LAW - REASONABLE.