Thanks, just needed some reassurance.

It is Scottish Widows. Having read up a bit on it, there was a landmark case where a creditor was trying to force an individual who went into bankruptcy to cash in his pension. The judge ruled that they cannot count that in as assets and force him to do that. However, the judge said if he cashed it in, the creditor could then claim against it. I think the pension companies now advise on this - reading it out to you and asking you to acknowledge that you know this could happen. I was worried that they may inform the likes of equifax, which in turn could mean they will come after me for it. For most of my creditors I have informed them I am unable to make payment atm and not really had much contact since. Interestingly, when we moved I re-directed mail to a friend, who then sends on everything. I read the terms on the Royal Mail website, which asks you to tick a box if you do NOT want your new address details passed to ‘interested parties, which I most definitely ticked. Then six weeks later a debt collector turned up at my friend’s home. He told them I’m not in tge country anymore and said that someone is breaking data protection laws to get his address and he hurried off. So that’s why I’m a bit paranoid about how all these big companies work.

The pension was a works pension originally, but mine. The pension company said that creditors can claim against it in the statement they read out.

Thank you for the help. I mentioned the pension, because of the statement read out to me by the pension company, that they can take money from it once it is released.

No, no assets in the UK.

Hi all, looking for some help please. I lost my job in the UK and things fell apart. My wife is originally from Poland and her parents suggested we move there, which we did two years ago now. issue is that I owe quite a few credit card debts / overdraft and I am now able to get some of my pension to help us over here. I started a small business here and it’s starting to get to the point where we can pay our own way here, but the pension money will really help. My question concerns the pension, is there any way of debt agencies to know about it and try and get it? The pension company read out a usual t’s & c’s questions and in it they said are you aware that any creditors can come after you for this? That made me paranoid, thinking do they know and are going to pass info.. They will be transferring money to me next month and we are really worried about this. I’m trying to get it paid into a Polish account, which they have sort of accepted, but I think it might cause some issues too. I can’t provide enough I.D proof for address here as we are staying with my in-laws and all bills are in their name. I have said UK address still applies, but given the Polish bank account.

Hi guys there is a new community site for Ingress Park at http://www.ingresspark.org just set up a coupla days ago.