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Management co may have lost pension records

coffeehound
coffeehound Posts: 5,742 Forumite
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Hi all.  I have 18 years' contributions, originally in the civil service, and then sold-out to a private company under TUPE.  After I left, there were a couple of further ownership changes.

Having never received a statement of benefits, I attempted to contact them last year and eventually got someone to reply earlier this year.  After being passed to another department, it has been radio silence.  I suspect they have lost my records.

Can anyone advise the best way to proceed, please?

Comments

  • Marcon
    Marcon Posts: 15,031 Forumite
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    Hi all.  I have 18 years' contributions, originally in the civil service, and then sold-out to a private company under TUPE.  After I left, there were a couple of further ownership changes.

    Having never received a statement of benefits, I attempted to contact them last year and eventually got someone to reply earlier this year.  After being passed to another department, it has been radio silence.  I suspect they have lost my records.

    Can anyone advise the best way to proceed, please?
    If you left the private company some time ago, your records will, correctly, have been destroyed to comply with GDPR.

    TUPE doesn't normally cover pensions, but public sector employees had different arrangements. There's no certainty that your CS benefits were transferred to the private company's new scheme - can you remember for sure?

    Regardless of that, it's not the private company who will have your records - it's the pension scheme you were in. Have you asked the scheme, or are you not sure which scheme it was? 

    Next step is to go back to the private company and ask them how your enquiry is progressing (sounds if you haven't chased at all, so they can hardly complain if you nudge them now) and - if you need it - details of the pension scheme you were in so you can contact the scheme yourself.

    Your pension scheme may have gone AWOL, but it will be sitting somewhere safe waiting to be found.
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
  • jimjames
    jimjames Posts: 18,914 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
     After being passed to another department, it has been radio silence.  I suspect they have lost my records. Can anyone advise the best way to proceed, please?
     It's quite a leap to assume that a lack of reply means they have lost your records rather than poor admin and slow timescales. Who is the pension actually with?
    Remember the saying: if it looks too good to be true it almost certainly is.
  • Marcon
    Marcon Posts: 15,031 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Combo Breaker
    Second thought - have you contacted CS pensions to see if your 18 years of pension are still with them, and if not, the name of the scheme to which they were transferred? If the former, that'll set your mind at rest in respect of your CS pension, and if the latter, you'll know where your pension scheme is now.
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
  • dunstonh
    dunstonh Posts: 120,251 Forumite
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    Can anyone advise the best way to proceed, please?
    Maybe adjust your thread title.      
    Title is written as a statment of fact but in your post states it is just your opinion that they may have.

    Having never received a statement of benefits, I attempted to contact them last year and eventually got someone to reply earlier this year. 
    Who is "them"?    scheme administrator (CS or other), employer?


    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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