Additional Voluntary Contribution with Equitable Life

takethemon

hyubh wrote: »

You can't do that until you have gone through the scheme's internal disputes procedure. Have you?[/QUOTE


I cant even get a reply to my two letters so I will send copies of them off and see where I get.

hyubh

takethemon wrote: »

the IFA waived her £1000 fee when she realised that she couldn't do anything.

Great!

as regards raising a complaint, that would be a pointless exercise.

You can't raise anything with the Pensions Ombudsman until you do (if you haven't already - to be honest your account is unclear):

https://www.pensions-ombudsman.org.uk/our-service/personal-and-occupational-pensions/individuals-pension-scheme-members/

complaint dismissed and no one there to be accountable.

Was the complaint recognised as a formal complaint directed to the force as pension scheme manager? If so, then great, you'd done the formalities and you can proceed to the Ombudsman. For your sake however - keep things to the point and factual. Going by your posts here you have a tendency to veer off in multiple directions unrelated to the core issue.

with ref to the regs applicable at the time of my retirement, can you point me in the right direction to access them?

I actually gave a link in my previous post. That said, the original amendment to the main regs (AVCs only introduced in 1991) is here:

http://www.legislation.gov.uk/uksi/1991/1304/contents/made

2003 amendment (minor technicality - nothing material for you):

http://www.legislation.gov.uk/uksi/2003/2717/contents/made

2010 amendment removing the ability to open a new AVC or change the terms of an existing one:

http://www.legislation.gov.uk/uksi/2010/2235/contents/made

kidmugsy

hyubh wrote: »

Are you sure that applies? It's not really 'stranded', unless the legislation concerned uses a liberal definition of that term (maybe it does, though to me 'stranded' implies the AVC is orphaned despite no rules having been broken to get it into that situation)

I'm not sure that it applies to this poor soul's, but it applied to mine. Over several years I was told I couldn't transfer it; I enquired early in the new tax year and was sent forms. And now it has been transferred.

takethemon

Hi. Thanks to you all who offered me advice.
I contacted Mouchel who furnished me with an up to date statement, via Equitable Life, within a week of asking, and my pension will be based on its present value, not that of 2002.
Result. :T