Serps tracing

Mrtinkerman

When I worked at Texas homecare in the 80’s we opted out / serps I believe to home charm pension scheme. We were then bought out by Homebase which was part of ladbrokes then I believe the Hilton group took over the pensions. Has anyone had any luck in tracing their pension from this home charm company  ? HMRC say it’s archived and to write to the Hilton which I’ve done who say they have nothing. I don’t know where to go from here 

Marcon

Mrtinkerman said:

When I worked at Texas homecare in the 80’s we opted out / serps I believe to home charm pension scheme. We were then bought out by Homebase which was part of ladbrokes then I believe the Hilton group took over the pensions. Has anyone had any luck in tracing their pension from this home charm company  ? HMRC say it’s archived and to write to the Hilton which I’ve done who say they have nothing. I don’t know where to go from here 

Could you try and remember some dates, please - especially the dates when you started/finished working there, and how old you were at the time you joined Texas Homecare? 

It's possible you weren't there long enough to build up an entitlement to a 'deferred' pension - hence my question. 

Also worth having a look at this post https://forums.moneysavingexpert.com/discussion/6267734/is-there-a-really-detailed-online-method-to-check-nics/p1 and following the suggestion made in my post of 15 May 2021.

molerat

There is a group on Faceache and they reckon it will be with Ladbrokes via Hymans Robertson LLP, https://www.hymans.co.uk/

dunstonh

When I worked at Texas homecare in the 80’s we opted out / serps I believe to home charm pension scheme.

You may wish to edit your thread title as you are not tracing SERPS.  You are tracing an occupational pension.  Maybe edit to say you are tracing a 1980s Texas homecare pension.

Silvertabby

1980s dates are crucial - if you left before 1 April with less than 5 years pensionable service then you may have been offered a refund of your contributions.  Does that ring any bells?

If you left after 1 April, when the vesting period was likely to have been reduced to 2 years, then you should have a deferred occupational pension rather than SERPS. 

DRS1

Silvertabby said:

1980s dates are crucial - if you left before 1 April with less than 5 years pensionable service then you may have been offered a refund of your contributions.  Does that ring any bells?

If you left after 1 April, when the vesting period was likely to have been reduced to 2 years, then you should have a deferred occupational pension rather than SERPS. 

Google has failed me but I have a feeling the change from 5 years to 2 years was in 1985.  

Marcon

DRS1 said:

Silvertabby said:

1980s dates are crucial - if you left before 1 April with less than 5 years pensionable service then you may have been offered a refund of your contributions.  Does that ring any bells?

If you left after 1 April, when the vesting period was likely to have been reduced to 2 years, then you should have a deferred occupational pension rather than SERPS. 

Google has failed me but I have a feeling the change from 5 years to 2 years was in 1985.  

No. The change came in for leavers on or after 6.4.88.

Might be better not to post so much based on googling and guesswork...

DRS1

Marcon said:

DRS1 said:

Silvertabby said:

1980s dates are crucial - if you left before 1 April with less than 5 years pensionable service then you may have been offered a refund of your contributions.  Does that ring any bells?

If you left after 1 April, when the vesting period was likely to have been reduced to 2 years, then you should have a deferred occupational pension rather than SERPS. 

Google has failed me but I have a feeling the change from 5 years to 2 years was in 1985.  

No. The change came in for leavers on or after 6.4.88.

Might be better not to post so much based on googling and guesswork...

 But at least it prompted you to post the correction!