It is still your money. Let us go and find it.
No charge for the search, no obligation afterwards, and no paperwork needed from you to get started.
Start the searchA pension you have lost track of is more common than you think
Nobody sets out to lose a pension. It happens because the scheme stays with the employer, the statements go to an old address, and life moves on.
Where we look
You tell us roughly where you worked and when. We do the rest, and we come back to you with something concrete rather than a maybe.
The former employer
We contact the company, or whoever now holds its records, and establish which scheme you were a member of and for how long.
The scheme trustees
The trustees or the administrator hold the member records. We request a current value and a full schedule of benefits.
The Pensions Authority
Where a company no longer exists, the Pensions Authority's register of schemes is often the thread that leads to the administrator.
Tell us where to start looking
Rough details are fine. If you are not sure of the years, give us your best guess and we will work from there.
What happens next
Finding it is the easy part. The useful part is knowing whether to leave it where it is.
Questions we get asked
I do not remember whether I was even in the scheme. Is it worth asking?
Yes. Membership was often automatic after a qualifying period, so plenty of people were members without ever thinking of themselves as such. It costs you nothing to have us check.
I only worked there for two years. Is there anything to find?
Very possibly. Once you have a couple of years’ service, benefits are generally preserved for you rather than refunded. A small fund left invested for twenty years is rarely small by the end.
The company no longer exists. Is the money gone?
No. The pension scheme is legally separate from the company, and the assets are held in trust for the members. Even where a company has been wound up, the scheme has an administrator and the money is traceable.
Do I have to move it to you?
No, and there is no charge for the search either way. We will tell you what it is worth and what your options are. Whether you do anything after that is entirely your call.
How long does it take?
Usually a few weeks rather than days, because we are waiting on trustees and administrators. We will tell you when we have made contact and again when we have a value.
Pick a date and time that suits you.
No sales pitch, just a conversation about what you already have, what it is heading for and whether we can improve it. You will get a written summary either way.
