So I had logged in to HMRC and noticed this COPE pension of £30.54 a week I think it was. About 12 mo the ago Phoenix Life sent me a letter asking me to co firm identity as they might hold a policy for me. In typical bloke fashion I ignored it and they asked again a few months ago, again, I ignored. Thanks to the wife, she insisted I contact them and lo and behold, they hold a pension with now defunct Britannia who I opted out with in 1988. It’s a with profits scheme and was attached to a final salary works scheme and it’s sat with £43790.10. That’s my money I’d have lost, all because I’m daft, forgetful, getting old and just wasn’t arsed about. Thank fuck for the wife. I’m now chasing several lost schemes I think I have, so far have tracked 4 down with various size posts ranging from a couple of £Grand up to one with £13k in it and I still think I have more to find.
Moral of the story is check HMRC, if you see COPE pension amount and don’t know what it is, get digging because an amount like mine of £30 a week, is a considerable size pot.