Lloyds Deferred Pension - l cannot cash it?

Winniepig

Hi
I stopped work 7 years ago due to brain damage caused by a TBI
I have a pension pot with Lloyds which was deferred when l left their employ about 10 years ago
I am nearly 56 and l enquired about cashing in this pension ( l know about tax etc) but l have been told that " my core personal account is insufficient to cover tje cost of purchasing the minimum scheme pension".
I called the administrators and they said l might be able to take it on ill health grounds but, today, l have received the same answer by email

I spoke to another person today - he didnt have a clue - l asked him what this meant and all he could say was "refer to terms and onditions" - even when l explained that l have brain damage!
Please what does this mean?
Why cant l have my money less tax at a time l really need it?
I have looked on the Gov. Website
regarding "over 55 pensions" - nowhere does it mention anything like this!
I have asked them 3 times for a transfer statement - not received as yet
Plus, they had wrong personal dertails for me on file and were very snotty about changing them !
Im very confused and annoyed!
Thank you

PeacefulWaters

How long did you contribute for?

Is it a direct contribution (DC) fund with a value? If so, how much?

Is it a direct benefit (DB) / final salary scheme with a guaranteed income from age 60/62? If so, what sort of income is it likely to produce?

edit: see post #3. Painkillers addled the mind!

Noodling

I think the previous poster means
DB - defined benefits and
DC - defined contributions
(these are the words you are most likely out to find on your pension statements.