Pension advice desperately needed??

xylophone

You are age 42.

Have a look at the example forecast here.


https://www.which.co.uk/money/pensions-and-retirement/state-pension/your-state-pension-forecast-explained-aHd0S6f725a9

There should be an NI record with your forecast.

Are all years from (say) 2000 (or earlier) shown as full?

Are you sure that the entry under estimate to 5/4/23 shows as £203.85?

Macka09

I believe the company was known as Iron Mountain (UK) Limited. 

They used to be data storage and warehousing. 

When I left they had taken over another archive company so there was a lot of changes within the higher management. 

Looking on the HMRC pension tracer, it looks like it could be with Legal & General and the other is Kestrel Data Services Ltd Pension & Life Assurance Scheme. 

Although the latter looks to have closed down. 

xylophone

You could consider opening a SIPP with (say) Hargreaves Lansdown, transferring in your SL and NEST, and contributing as much as possible.

It might be possible to transfer in the third pension if it turns out that there is one.

https://getpenfold.com/pension-guides/self-employed-pension-tax-relief

You might consider a global tracker as a start.

https://monevator.com/best-global-tracker-funds/comment-page-1/

xylophone

They used to be data storage and warehousing. 

Still are apparently

https://www.ironmountain.com/en-gb/about-us

https://en.wikipedia.org/wiki/Iron_Mountain_(company)#:~:text=Iron Mountain has underground storage,warehouse space located near customers.

Macka09

xylophone said:

You could consider opening a SIPP with (say) Hargreaves Lansdown, transferring in your SL and NEST, and contributing as much as possible.

It might be possible to transfer in the third pension if it turns out that there is one.

https://getpenfold.com/pension-guides/self-employed-pension-tax-relief

You might consider a global tracker as a start.

https://monevator.com/best-global-tracker-funds/comment-page-1/

Thanks for the advice

someone else has mentioned starting with a SIPP and choosing a global tracker. 

I am looking into this now. 

No time like the present, as they say. 

Marcon

Macka09 said:

I believe the company was known as Iron Mountain (UK) Limited. 

They used to be data storage and warehousing. 

When I left they had taken over another archive company so there was a lot of changes within the higher management. 

Looking on the HMRC pension tracer, it looks like it could be with Legal & General and the other is Kestrel Data Services Ltd Pension & Life Assurance Scheme. 

Although the latter looks to have closed down. 

Looking at Companies House, Iron Mountain (U.K.) Limited became Iron Mountain Group (Europe) Limited. It was dissolved in 2021 and the insolvency practitioners are shown here: https://find-and-update.company-information.service.gov.uk/company/03667412/insolvency

According to the accounts I downloaded from Companies House, they had a defined contribution pension scheme. Might be worth contacting the insolvency practitioners and asking them if they could confirm who the pension provider was.

Macka09

xylophone said:

You are age 42.

Have a look at the example forecast here.


https://www.which.co.uk/money/pensions-and-retirement/state-pension/your-state-pension-forecast-explained-aHd0S6f725a9

There should be an NI record with your forecast.

Are all years from (say) 2000 (or earlier) shown as full?

Are you sure that the entry under estimate to 5/4/23 shows as £203.85?

I will double check this. I’m sure from 1998 I had 2 years that were showing as not full. 

Macka09

Marcon said:

Macka09 said:

I believe the company was known as Iron Mountain (UK) Limited. 

They used to be data storage and warehousing. 

When I left they had taken over another archive company so there was a lot of changes within the higher management. 

Looking on the HMRC pension tracer, it looks like it could be with Legal & General and the other is Kestrel Data Services Ltd Pension & Life Assurance Scheme. 

Although the latter looks to have closed down. 

Looking at Companies House, Iron Mountain (U.K.) Limited became Iron Mountain Group (Europe) Limited. It was dissolved in 2021 and the insolvency practitioners are shown here: https://find-and-update.company-information.service.gov.uk/company/03667412/insolvency

According to the accounts I downloaded from Companies House, they had a defined contribution pension scheme. Might be worth contacting the insolvency practitioners and asking them if they could confirm who the pension provider was.

I appreciate your efforts. 

I will certainly contact them to see if they can help. I’m sure it was between 2000-2006 that I was employed by them. 

It’s worth a shot. 

Macka09

Typical. I can’t seem to find contact info for the insolvency practitioners. 

Marcon

Macka09 said:

Typical. I can’t seem to find contact info for the insolvency practitioners. 

It's on the link I gave, but in case of need:

Practitioner

Stephen John Absolom
15 Canada Square, London, E14 5GL

Appointed on 

15 June 2021