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hi - just reading all this - is pensionloansonline.co.uk a scam site then - i have been in talks with them lately, not signed anything yet but was considering as the lady seemed really helpful. She assured me that my current pension company would not release my funds into any other pension that was not fsa regulated. That i would get a full loan agreement to sign before anything happens, meaning that i would not have to pay more than was in my pension at the end, and that i would get 50% of my pension pot now. To be totally honest, there is not a massive value in there anyway, so i thoght that the 50% would suit me better now than in 20+ years time,. She assured me that i could repay my loan early too if i wanted to. I was also told that when all the transfer forms came through to me i would have 7 days to sign or cancel, and my 50% would be transferred to my bank within 14 days, plus they only deal with UK pension companies and nothing overseas..and i could transfer my pension from them to another pension company at any time should i wish too..am i being scammed - am i best not to continue??? i dont care if there is nothing left at the end (as mad as that seems) as i have other means of income when i'm older but need money now and poor credit means i cant get a normal loan,. will they take all my pension pot and not give me my 50% share, or will i at least get my 50% now..any advice please..as not sure whether to phone back and carry on with it, or whether to run before i even start this process..thanks

Pensionloansonline.co.uk isnt a scam in the way you guys are thinking,they dont steal your pension at all but what they do is quite simple.....

1st you will apply online,then they will ring you,then they will mail you forms to sigh,then you will send them ID with the relevent forms,then after that you wont hear from them again
The scam is simple...they have a scan of your passport,driving licence,birth certificate and your lovely signature on the forms they sent you all nice and ready to be doctored on the most basic paint programme...
12 months down the line you wont know what hit you and where from...most are scammers,not one person can say otherwise,not a single user of these services has spoken up in there defence..

As for the HMRC tax penalty,this wont happen as you wont see any money to be taxed on....prove me wrong..oh you cant.
Any legit companies doin this???? show us who ..oh you cant
oh well

It won't come as a surprise for some of you to see this....

http://www.fsa.gov.uk/pages/Doing/Regulated/Law/Alerts/overseas.shtml

Zane Hegarty (www.mypensionmoney.co.uk) On the FSA alerts page Dec 13th.

As for QROPS.....http://www.hmrc.gov.uk/budget-updates/06dec11/pensions-draft-legis.pdf

You might want to read the final few pages of this. Pension busting is targetted and I guess the people that sold this will be concerned at some of the comments from the UK taxman.

If anyone gets a call from Alhaurin Wealth Planning - Just put the phone down....

They are the most untrustworthy, unethical mob I have ever encountered.  I should know I worked for them for 3 weeks and then walked out!!!   Despite asking for my wages, I never got paid (what a surprise!).  Not getting paid was not a big issue for me, but my reputation was.

They say they do not give advice - but that is untrue, they will say anything to make a sale and get their 18% commission.  You know the saying "If it sounds to good to be true then it probably is".

I worked in the Pensions Industry in the UK and understand regulation and what you can and can't do.  I was just stunned at the goings on there and thats why I walked out.

If you do business with that bunch "BE WARNED"

do not ring me again or txt  i can not release my pension until i am 55

"Wine" ?

www.dailymail.co.uk/money/experts/article-227 ... ine-trader.html

TONY HETHERINGTON: 'Don't threaten me' says wine investment trader
By TONY HETHERINGTON
PUBLISHED: 22:12, 9 February 2013 | UPDATED: 08:01, 12 February 2013
Comments (6)
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D.G.R. writes: I am forwarding you an email I received from a company that asks for my address so that a free case of Bordeaux wine can be delivered. This looks like a scam. It is the first and only contact I have ever had  with these people.

Trail: Vintage Wine Investors couldn't be found in Wilmington, above, but mail is picked up in Docklands

The remarkable offer of free wine came from Vintage Wine Investors, and the sting in the tail comes further down the message with a sales pitch for a case of different wine that will cost you £2,800.
But of course this wine is not for drinking. It is an investment. And the sellers are so confident that they even give a legally binding contract saying they will buy the same wine back for £3,976 after just three months.

How can they make such an amazing offer? According to Vintage Wine Investors: ‘This is from a large buy from a vendor requiring a quick sale.

‘We are putting in 60 per cent of the money ourselves and allowing new clients to test the market and see the short-term returns that  are currently available by participating in the purchase of some of the stock.’

The only thing that could go wrong is that you could make your investment and be stuck with the very expensive wine if Vintage Wine Investors broke its promise to buy it back.

Or if Vintage Wine Investors turned out not to exist. Well guess what? It was impossible to find the firm.

It is not registered at Companies House, so it is not a British limited company. I traced the firm’s website to Giles Harrison and Tim Dunton and an address in the small town of Wilmington, Delaware, in the US, but state authorities there have no record of the company either.

The Vintage Wine Investors website is decorated with a picture of the massive Citigroup skyscraper at Canary Wharf in London’s Docklands, but the firm is not there.

It does supply a nearby address at Ensign House in Admirals Way, but this belongs to a business that takes in mail for anyone who pays.

Legally, anyone trading under a business name must identify themselves as the owner. Failure to do so is a crime.

So, I sent a polite email to Vintage Wine Investors, asking who really runs the business.

Back came an increasingly angry flurry of emails from someone giving his name as Michael Chapman. ‘Why do you require this information?’ he asked. ‘What is your agenda? Is there a problem with our offers?’

I explained that all I was asking him to do was obey the law. Chapman – if that is his real name – suddenly turned shy.

‘The company is no longer trading outside its existing client base,’ he told me. And he added: ‘We are a group of sole traders based all over the world.’ I should leave him alone, it seemed, because ‘we are no longer marketing or publicising ourselves’.

Well that was a lie. But Chapman had another one to top it. ‘We do not have any legal obligations within the UK,’ he insisted. Yet his firm’s terms and conditions say clearly that its contracts fall under English law and any disputes will be settled in a court in England.

Finally Chapman cracked: ‘You are threatening me. This is unacceptable. I think you need to leave this situation alone.’

Now, I know it is a small world, but this is not the first dodgy wine offer to come from Ensign House in Canary Wharf.

Two years ago I warned that a business there called CB Vintners was also promising a guaranteed profit. Purchase wine for £10,000 and the firm would buy it back for £11,500.

But there was no such company, and enquiries led to, yes, Wilmington in Delaware. What a coincidence.

The law on business names is enforced by trading standards, so I handed over all my information to Tower Hamlets Council, which covers Canary Wharf.

Trading Standards officers there moved with impressive speed. Last Wednesday they told me: ‘We have executed warrants in relation to this case and one arrest has been made.’

Enquiries are continuing, so if anyone has parted with money  to Vintage Wine Investors, investigators would like to hear from  you. Contact trading.standards@towerhamlets.gov.uk.

23 Feb 2013's MoneyBox BBC Radio 4 Programme continued to discuss the great Pension Liberation Scam with the Minister responsible for pensions, Steve Webb. Listen to the grilling Webb gets and how little the government is doing despite the £4 million a week being scammed.

http://www.bbc.co.uk/programmes/b01qspjg PENSION UNLOCKING
For the third week we return to the growing crime of persuading people to transfer their pension savings into recently registered pension schemes and taking huge fees for illegally letting them have some of their money back. This week - the legal aspects. Is the law adequate to help trustees stop the transfer when they suspect a scam? And if not, will the Government pass new laws to protect desperate people from the crooks - and themselves? We speak to a pensions lawyer and Pensions Minister Steve Webb.

PDF Tapescript:
http://news.bbc.co.uk/1/shared/spl/hi/program ... x_23_feb_13.pdf

MP3 Audio:
http://downloads.bbc.co.uk/podcasts/radio4/mo ... 30223-1204a.mp3

Related Links:
Action Fraud: Pension Liberation Scam:  www.actionfraud.police.uk
The FSA: Consumers warned over pension liberation schemes www.fsa.gov.uk
The Pensions Regulator: Pension liberation fraud www.thepensionsregulator.gov.uk
The Pension Advisory Service: Pension liberation plans www.pensionsadvisoryservice.org.uk
The Money Advice Service: Pensions: www.moneyadviceservice.org.uk

MoneyBox E-mail your questions www.bbc.co.uk/radio4/features/money-box/contact/ or call 03700 100 444 from 1pm to 3.30pm on Wednesday.

he has scammed and run off saying he is now retired on other peoples money, where is justice?