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  1. Many years ago a friend paid into a private pension for a couple of years until times were hard and he couldn't afford it any more. Every year the pension seemed to be worth less and less, and the transfer amount always made it a waste of time moving it. After about 25 years he took the pension as a triviality payment, but now wonders if there may have been some unfair charges which could be worth claiming back. What are the rules on what they could charge? The company was originally Target but over the years this changed several times, finally ending up as Abbey Life.
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