A 年金 移転 I made in 2006 was short by £3,800 but I'm only 存在 申し込む／申し出d £5k 支援する now: Steve Webb replies

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Shortchanged? My 年金 移転 was undervalued by a large sum so why am I 存在 申し込む／申し出d so little 支援する?

Last summer I was 接触するd by a 年金 行政 会社／堅い 事実上の／代理 on に代わって of a large 年金 provider.

When my occupational 年金 was transferred from this provider to another one in 2006, there was an underpayment into the new 年金 of going on £3,800.

This underpayment has been identified に引き続いて a High 法廷，裁判所 判決，裁定 with regards to unequal 保証（人）d 最小限 年金.

I have been 申し込む／申し出d around £5,000 (1 per cent 利益／興味) to be paid in cash (支配する to 税金) or into a 年金 計画／陰謀.

The 年金 行政官／管理者 has 砲撃するd me with emails and letters to 受託する the money 申し込む／申し出d.?

I have raised a （民事の）告訴 with them about this high 圧力 approach.

I am unhappy with the sum 申し込む／申し出d. I feel 17 years of 投資 in a managed 年金 計画／陰謀 would have 産する／生じるd much more than the sum 申し込む／申し出d.

This is important to me as I am now 60 and looking to take my 年金.

I raised the 事柄 with the 行政 会社／堅い but they say they are just the admin スパイ／執行官s and have no 力／強力にする to 行為／法令／行動する with regards to my （民事の）告訴.

They have raised the 事柄 with the trustees of my former 年金 provider, but the trustees have never 接触するd me with regards to this 事柄.

Can you 申し込む／申し出 any 指導／手引 on how I can 増大する this 事柄 and get a 決意／決議?

SCROLL DOWN TO FIND OUT HOW TO ASK STEVE YOUR PENSION QUESTION

Steve Webb replies: When you transferred out of your old 年金 計画／陰謀, the 量 you were 申し込む／申し出d as a 移転 value 反映するd the cost of 供給するing the 年金 you were する権利を与えるd to under the 支配するs of that 計画／陰謀.

Many years later, a 法廷，裁判所 判決，裁定 means that had you stayed in that 計画／陰謀 you would have received a bigger 年金 than was 推定する／予想するd at the time.

The question is what 是正する you should receive now.

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Why are you 存在 申し込む／申し出d £5k on an old 年金 移転?

The 法廷，裁判所 判決，裁定 we are talking about relates to 伝統的な salary-関係のある (defined 利益) 年金 計画／陰謀s.

Most 計画／陰謀s of this sort did a を取り引きする the 政府 known as '契約ing out'.

In ret urn for the 雇用者 and 従業員 支払う／賃金ing a 減ずるd ('契約d out') 率 of 国家の 保険 出資／貢献s, the 計画／陰謀 had to 約束 to 支払う／賃金 a 年金 at 退職 概して as good as the 明言する／公表する 収入s-関係のある 年金 計画／陰謀 (SERPS) would have 供給するd.

This 支払い（額） was known as a 保証（人）d 最小限 年金 and these 支配するs 適用するd between 1978 and 1997.

One of the 半端物 things about the GMP is that the 義務 to 支払う／賃金 it only 削減（する） in at 明言する／公表する 年金 age which was different for men and women.

This could result in the occupational 年金 計画／陰謀 支払う／賃金ing different 量s to different 労働者s based 純粋に on their sex.

In 1990 a 法廷，裁判所 judgment 支配するd that 計画／陰謀s must 支払う／賃金 the same to men and women. Since then, there has been a lot of 論争 in the 年金s world about whether this 適用するd to GMPs.

However, a 一連の 比較して 最近の 法廷，裁判所 事例／患者s have 確認するd that 年金 計画／陰謀s *do* have to equalise for the 影響s of GMPs, to make sure that people are not favoured by their occupational 年金 計画／陰謀 just because they are male or 女性（の）.

Both men and women have lost out depending on the circumstances. In many 事例／患者s, the 調整s 要求するd are very small, but in some 事例／患者s ? such as yours ? they can be やめる 相当な.

And a November 2020 法廷，裁判所 judgment 特に 支配するd that past 年金 移転 values also needed to be revisited to check for the 影響s of this 判決，裁定.

STEVE WEBB ANSWERS YOUR PENSION QUESTIONS

• Will 明言する／公表する 年金 become means 実験（する）d if you own 所有物／資産／財産 or have 私的な 年金s?
• I paid NI for 45 years so don't I get a 十分な 明言する／公表する 年金 - please explain?
• I'm 84 and don't have a 国家の 保険 number - can I get a 明言する／公表する 年金?
• I've got £213,000 in my 年金 マリファナ, what do I need to do before I 攻撃する，衝突する 75?
• I take £3k a year from my £50k 年金 マリファナ - should I buy an annuity?
• Can I stop an old 財政上の 助言者 taking £60 a month from my 年金?
• DWP says my dad who died at 100 was underpaid 明言する／公表する 年金 for 20 years
• Why am I 存在 asked intrusive questions about moving my 年金?
• A 年金 移転 I made in 2006 was short by £3,800 but I'm only 存在 申し込む／申し出d £5k 支援する now
• Should I 支払う／賃金 extra into my 年金 to dodge the 60% 税金 罠（にかける） above £100k?
• Why does the 年金 保護 基金 only give pensioners a 2.5% raise?
• I'm a retired nurse and just had a £200-a-month rent 引き上げ（る）, but no rise in 住宅 利益
• What will 国家の 保険 削減（する） mean for self-雇うd and their 明言する／公表する 年金s?
• My mum might be 予定 more 明言する／公表する 年金 - but will she lose 年金 credit?

? ? ? ?

How does this 影響する／感情 your 申し込む／申し出 now?

From what you have told me, it seems to be 受託するd that had your first 年金 計画／陰謀 known at the time that it would have to follow these 支配するs it would have 申し込む／申し出d you around £3,800 extra on 最高の，を越す of your 移転 value.

But your point is that if that extra 量 had gone into your 目的地 年金 計画／陰謀 支援する in 2006, it would by now have 生成するd a lot more than the 支払い（額） of £5,000 or so that you have been 申し込む／申し出d, and that is almost certainly true.

I have looked at the 法廷，裁判所 judgment and I can see (at paragraph 263) that the 裁判官 in the 事例／患者 did consider this exact point.

In 原則, the 裁判官 受託するd that, to put you in 正確に／まさに the same position as you would have been if the 現在の 支配するs had been 適用するd at the time, it would be necessary to work out the return you had 行方不明になるd out on.

But the 裁判官 said that working this out for each individual, taking account the 投資 戦略 of each 目的地 計画／陰謀, would be a 抱擁する and コンビナート／複合体 仕事.

As I について言及するd earlier, many of these 支払い（額）s in 尊敬（する）・点 of GMP equalisation are very small, and the 裁判官 said that in some 事例／患者s it could cost more money to 支払う／賃金 an 専門家 to do all the 計算／見積りs than the size of the 是正する 支払い（額）.

He therefore decided that a rough-and-ready method was 要求するd, and he ordered that 利益／興味 from when the 移転 took place should be based on the Bank of England base 率 加える 1 per cent.

He said that this approach was '井戸／弁護士席 used and 井戸／弁護士席 understood', and would 供給する '行政の 簡単'.

Given that the 裁判官 has directed how this 過程 should work, unfortunately I don't think that there is any obvious way in which you can challenge this.

Whilst I'm 関心d that you feel you are 存在 圧力d by the 行政官／管理者s of the 計画／陰謀, as long as they have done the 計算／見積りs 正確に, it would seem that they are 事実上の／代理 in line with the 法廷，裁判所 judgment in this 事例／患者.