Pension.

[sandbag]

Hello all, I'm wondering if this is the right place to ask this question or indeed if anyone could point me in the right direction to see if I can do anything about this. I have asked the question on the MSE website but was generally made to feel even more stupid than I know I am! If is not the right place then please accept my apologies. But here is mt enquiry anyway.

 

I have just had a pension forecast from my employer ( the NHS) and have been informed that i do

not have Mental Health Officer status and that my pension contributions did not start until 1995. Now I started to pay into the NHS pension scheme in 1988. I was young and daft and I was advised by a pension salesman to transfer my pension out of the NHS scheme into a private one - InterLife so I did.

 

I rejoined the NHS scheme in 1995 but have competely forgotton that i had transfered my contributions to InterLife.

I accept that I have not got MHO status and my pension will only start from 1995,but I do feel that I was missold this pension and I would like to know where my contributions from that time have gone.

 

Is there anything I can do about this?

 

I was very stupid I know!

 

Thanks Sandbag.

[MARTIN3030]

Will move your thread.

[IdaInFife]

yes,

 

I have just done a similar check for my Oh and have found 2 for him htat he forgot about.

 

they can check all pensions and even trace the one you are looking for

 

http://www.direct.gov.uk/en/Pensionsandretirementplanning/PlanningForRetirement/AboutToRetire/DG_10027189

 

Ida x

[Conniff]

Have you checked the link that Ida posted sandbag?

[sandbag]

Yes I have than you. They are currently looking for my pension.

Thanks again.

[sandbag]

Hello,

I have completed a form sent to me by the Financial Services Compensation Scheme. They sent me a letter yesterday telling me that they have sent my file to Hazell Carr - a firm of independant consultants- they will be carrying out work to investigate whether I have suffered a financial loss as a result of the advice i was given.

 

My question is does this mean that they are taking my case seriously, I wait everyday for a letter that tells me that I have no case and to go away!!

 

Cheers Sandbag.

[IdaInFife]

Thye have a responsibilty to check everything and it does take a litte while.

[sandbag]

Ah, ok thanks for your reply.

Regards Sandbag.

[sandbag]

Hi all quick update,

 

The FSCA have located the pension provider - it's now Reliance Mutual. I have received a reply from there compliance officer. She states that I was written to in 1998 by the original policy holder and as I did not reply I am now time - barred from making a complaint. I had moved house 5 years before they wrote me the letters and did not receive any correspondancce at all from anyone.

 

I have made a complaint to the FSO but I will admit that thinks do look bleak for me!

 

Does anyone think that I have any case at all?

 

Cheers Sandbag.

[MARTIN3030]

You can try using the Limitation Act Section 32c to try and get around their arguement.

Basically saying that the limitation period starts from when you was first made aware that there was something wrong and that you had cause of action.

It is only recently that you have become aware of these facts.

 

Its interesting that they still appear to have docs for you from 1998.

[Conniff]

Hi all quick update,

 

The FSCA have located the pension provider - it's now Reliance Mutual. I have received a reply from there compliance officer. She states that I was written to in 1998 by the original policy holder and as I did not reply I am now time - barred from making a complaint. I had moved house 5 years before they wrote me the letters and did not receive any correspondancce at all from anyone.

 

I have made a complaint to the FSO but I will admit that thinks do look bleak for me!

 

Does anyone think that I have any case at all?

 

Cheers Sandbag.

 

This is the reason everyone should keep an updated list of who to inform and what about so they can keep companies and important people in the picture of circumstances such as address changes.

 

God forbid that something might happen to you, it will make the life of those who have to sort things out easier and without the chance of missing something, maybe something you have paid all your life for.

[sandbag]

Thanks both of you for your replies.

I will have a look at the link you provided Martin.

Cheers sandbag.

[caro]

This may help. http://www.financial-ombudsman.org.uk/publications/ombudsman-news/33/review-33.htm

[sir_gilmour]

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.