CFW1994 thank you, I have to say that my IFA has been excellent and they are completely bemused by XPS unresponsiveness (my IFA was even chasing for me whilst on holiday) I really appreciate everyone’s input as it’s difficult to express the worry that they have created.You naively pay into a pension assuming that the providers and trustees will support you when you are forced into retirement - however I am troubled by how stressful this has all been.Ultimately XPS promised the Trustees that this will be resolved in 10 days (which is COB tomorrow) 10days after their last promise to me (obviously a promise of 10 days means 20!!!).Most households will be preparing and planning for Christmas now, however we will be sitting with crossed fingers.
Govt has introduced a £273 flat fee
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