Lost pensions

Valma1

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

eskbanker

Assuming you don't have any useful documentation about either pension directly from the actual providers (?), https://www.gov.uk/find-pension-contact-details should help, or https://www.moneyadviceservice.org.uk/en/articles/trace-lost-pensions-and-request-pension-forecasts offers other suggestions.

xylophone

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

Do you have any statements from the pension providers?

Marcon

Valma1 said:

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

When you say 'can't access', do you mean you can't access them online, or something else?

greatkingrat

For the company that has gone into liquidation, try looking at the Pension Protection Scheme site to see if they have taken the scheme over.
https://www.ppf.co.uk/schemes/index

Marcon

greatkingrat said:

For the company that has gone into liquidation, try looking at the Pension Protection Scheme site to see if they have taken the scheme over.
https://www.ppf.co.uk/schemes/index

...assuming it was a defined benefit scheme.

Valma1

xylophone said:

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

Do you have any statements from the pension providers?

No I have nothing just know I was paying in for 4years to one and 2 years to another. I know it may not be much... 

Valma1

Marcon said:

Valma1 said:

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

When you say 'can't access', do you mean you can't access them online, or something else?

I can’t find any details on line or by email or phone calls I have tried gov Uk pensions help but info they give has not helped. 

MDMD

What are/were the names of the employers?

Marcon

Valma1 said:

xylophone said:

i have recently retired and have 2 employer pensions I can’t access. One company I know has gone into liquidation and the other has swooped pension provider. Any advise would be appreciated. 

Do you have any statements from the pension providers?

No I have nothing just know I was paying in for 4years to one and 2 years to another. I know it may not be much... 

Can you remember the dates (roughly)? In particular, were these pre-April 1988? If so, you would normally have needed to have been a member of the scheme for at least 5 years to qualify for a 'deferred' pension. Otherwise you would have received a refund of any personal contributions at the time you left the relevant employment - something people often overlook in their final pay packet.

Did the employer who went into liquidation do so because they were insolvent? If so, and they had a defined benefit (aka final salary) scheme, and the insolvency was before 6 April 2005, the unwelcome reality is that you may have lost your pension if there wasn't enough money in the fund.

That's why the dates are so important. 

dunstonh

If its a local employer (or one based locally) then can you ask current or past employees?   The local facebook community group may help if you don't know any employees personally.