Bankruptcy and Pensions

Stressedout_3

In 1992 I went bankrupt and was discharged in 1995. In May 2007 I became a pensioner and in January 2007 2 pension companies contacted me and asked what I wanted to do with my pension. I completed the questionnaires - one asked me whether I had ever been bankrupt and I advised them accordingly. I also contacted the insolvency practice and asked them if they had any interest in my pensions on January 29th 2007. I heard nothing until March 29th when they wrote to me and asked me for my telephone number so they could speak direct. They advised me that 80% of pensions are protected but they had lost my files and would therefore have to contact the court where I was made bankrupt to seek details. On May 25th two days before my 60th birthday they rang me to say they had received the file and would be sending it to the rationalation department to find out the necessary action to be taken. Meanwhile one pension company paid me a lump sum and started a monthly pension payout. I heard nothing from the other pension company I spent the lump sum on a new boiler for the house and had a retirement party. I also arranged a small mortgage based on my state pension and my private pension to do up the rest of the house. On September 29th the rationalisation department contacted me asking for my National Insurance number and details of all my pensions as they wanted to take them all (one is not due to be paid out until 2017). I said to them that I had already spent the lump sum and could not give them it back - they said that I could apply to buy my pensions back - but what with? Now I am frightened that I will be made bankrupt again and lose my house because of their inefficiency. Can they go back 15 years to a frozen pension plus the interest accumulated in the years since then when you consider that the Inland Revenue can only go back 7 years to claim unpaid tax. Any advice would be appreciated because at the moment I do not know which way to turn and obviously do not want to lose my home now that I have become a pensioner.