Why am I 存在 asked intrusive questions about moving my 年金?

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I have recently changed companies and want to 移転 my work 年金 to my new 雇用者's provider, a large 井戸／弁護士席-known 保険 会社／堅い.

When I last transferred a different 年金 to the old provider, which I now wish to leave, it was done with no 問題／発行するs.

I have 始めるd a request, but this same provider wants 調印するd 宣言s wanting to know my 年金 計画（する）s and to know if it's high 危険, 加える they want (preferably) photographic ID to be sent to them.

I have 拒絶する／低下するd as I think their questions are intrusive.

?I understand some 必要物／必要条件 for this, if it was 怪しげな for instance. But why are they asking for this when I'm planning to move my 年金 to a 合法的 company, and more importantly, do I have to follow the request?

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Moving a 年金:? I'm 存在 asked intrusive questions about a 移転 to a 合法的 会社／堅い

Steve Webb replies: Your 年金 移転 request has been caught by 支配するs designed to 保護する people from scams.

As I'm sure you know, far too many people have transferred 年金 money into different 手はず／準備 only to find out that they 成し遂げる 貧しく, cost a lot in 告発（する），告訴（する）／料金s or are 完全な 詐欺s.

These new 支配するs are designed to 保護する people from such 危険s.

公式文書，認める that we are talking here about transferring a 'マリファナ of money' type 年金, and that more 包括的な 支配するs 適用する to people wanting to 移転 out of old-style salary-関係のある 年金s.

What are the 支配するs on 年金 移転s?

Until November 2021, 年金 trustees such as those looking after your old workplace 年金 had no 力／強力にする to 封鎖する 年金 移転s, even if they were 本気で 関心d that the money was going to somewhere that looked pretty dodgy.

This may be why your previous 移転 went through 滑らかに.

What changed in late 2021 is that, before a 移転 goes ahead, the 計画／陰謀 that 持つ／拘留するs the money has to make 確かな checks. Your old company 年金 provider is not 存在 'nosy', it's に引き続いて the 過程 that has been 始める，決める 負かす／撃墜する.

Got a question for Steve Webb? Scroll 負かす／撃墜する to find out how to 接触する him

The only exceptions to these 必要物／必要条件s are where the 計画／陰謀 you are transferring to is a public 部門 計画／陰謀 or an authorised master 信用.

I will however come 支援する to your point about the fact that you are transferring to a 井戸／弁護士席-known and 尊敬（する）・点d 保険 company with ? 推定では ? a very low 危険 of 存在 scammed.

The way that the ne w 支配するs work is that the 詳細（に述べる）s of your 移転 request can 誘発する／引き起こす two levels of 警告:

- A 'red 旗', in which 事例／患者 the trustees can 封鎖する the 移転 altogether;

- An 'amber 旗', in which 事例／患者 you would have to 参加する what's called a '年金 保護（する）／緊急輸入制限ing 指導／手引' conversation with MoneyHelper (see the box below) before the 移転 could proceed.

The main items on the red 旗 名簿（に載せる）／表（にあげる）, which raise serious 関心s, 含む:

- The 移転 was 誘発するd by an unsolicited '冷淡な call';

- The member 報告（する）／憶測s feeling under 圧力 to 移転;

- They are 存在 申し込む／申し出d some sort of 'incentive' to 移転.

If one of these red 旗 items shows up in 返答 to the 計画／陰謀's questions, the trustees may take the 見解（をとる） that there is a high 危険 of a scam and therefore 辞退する to carry out the 移転.

There is a longer 名簿（に載せる）／表（にあげる） of items which may raise some 関心, and come under the amber 旗 部類. These 含む:

What is MoneyHelper??

MoneyHelper is a 解放する／自由な, impartial and 安全な 指導／手引 service which any member of the public can 協議する about their 財政／金融s, 令状s This is Money.

It is an 武器-length 団体／死体 of the 政府, which 基金s it.

MoneyHelper's website has a lot of easily searchable （警察などへの）密告，告訴（状） and guides, or you can telephone, use webchat (or WhatsApp for some things) or send an enquiry 経由で an online form to their staff.

It says: 'Our trained staff can help work out what's 権利 for you. Whatever your query, we're here to help. If we don't know the answer, we'll point you in the 権利 direction of someone who does.'

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- The receiving 計画／陰謀 投資するs in 'high 危険' or unregulated 投資s;

- 料金s in the receiving 計画／陰謀 are 'high' or 不明瞭な;

- The 投資 structure in the receiving 計画／陰謀 is '不明瞭な, コンビナート／複合体 or unorthodox';

- There are overseas 投資s in the receiving 計画／陰謀;

- The 移転 request is 類似の to a sudden cluster of others to the same 目的地 計画／陰謀.

In 新規加入, an amber 旗 can be 誘発する／引き起こすd if you are transferring to an occupational 年金 計画／陰謀 but don't appear to have an 雇用 関係 associated with the new 計画／陰謀, or where you don't 満足させる the 支配するs around residency.

How are the new 支配するs working in practice?

The 政府's 見解（をとる） was that the 広大な 大多数 of 移転s would sail through this 過程 and that 比較して few people would be held up or 要求するd to have a conversation with MoneyHelper about scams.

However, trustees (and their 合法的な 助言者s) have taken a more 用心深い 見解（をとる）. For example, given that 年金 基金s are usually 投資するd globally, the amber 旗 for 'overseas 投資s in the receiving 計画／陰謀' can be 誘発する／引き起こすd on a 正規の／正選手 basis.

The 政府 assumed that 年金 計画／陰謀s would quickly develop a '安全な 名簿（に載せる）／表（にあげる）' of providers (such as the 世帯 指名する 保険会社 to which you are transferring) who had a low scam 危険 and would nod through such 移転s.

But if one of those 移転s did go wrong, the trustees would then be 潜在的に liable because they didn't 適用する the red 旗/amber 旗 過程 that was 利用できる to them. Not surprisingly, trustees have chosen to err on the 味方する of 警告を与える.

There is still something of a 引き分け around this 問題／発行する between the 政府, which thinks that 年金 providers are 存在 over-熱心な, and 年金 計画／陰謀s and trustees which don't want to 危険 存在 告訴するd if things go wrong.

Hopefully at some point a ありふれた-sense 解答 will be 設立する, but for now the 移転 system is somewhat gummed up as a result of these 井戸／弁護士席-meaning 規則s.

You ask if you are 強いるd to answer these questions, and the answer is 'no' ? but if you 拒絶する／低下する to answer then this is likely to raise 関心s with the trustees and they could then 封鎖する the 移転 in any 事例／患者.

You can read more about the 対策 to 保護する people against scams on MoneyHelper's website.

>?Should you 合併する your 年金s? Read our guide