A Pension Scam is a transfer of your pension savings to an arrangement that does not use your savings in an authorised way. The most common form of Pension Scam is the transfer of your pension to an arrangement which allows you to access your savings before the age of 55, the current legal minimum pension age if you are in good health.

Pension Scams may be fraudulent if you are misled or misinformed about the consequences of entering into one of these arrangements. Pension Scams may result in you losing all of your savings and still having to pay tax charges and penalties of more than half the value of your transfer.

The Pensions Regulator has produced a new leaflet and booklet to help you understand the risks you face when considering a transfer of your pension savings.

If you think you’re being targeted by a Pension Scam follow these steps:

• Make sure the adviser is approved by the Financial Conduct Authority (FCA) by searching the Financial Services Register.
• Never be rushed into a decision.
• Before you sign anything, call the Pension Advisory Service on 0300 123 1047.
• Don’t proceed unless you are absolutely certain your money will be safe because, once you transfer, it’s too late.
• If you have already accepted an offer call Action Fraud on 0300 123 2040.

If you're having trouble logging into the Secure Portal or have forgotten your login details, please contact Aon, the Plan administrators.

If you're unsure whether you've had a pension with the AA, please contact Aon, the Plan administrators.

If you have a complaint please contact Aon, the Plan administrators.