Can I have a refund of my deferred benefits?

If you have deferred benefits with the Scheme you will not be able to have a refund of the contributions you paid.

You may be able to transfer the value of your pension to another occupational pension scheme, personal pension, stakeholder pension scheme, or you can leave your benefits in the Scheme until you reach your normal retirement age.

If you are thinking of transferring your benefits, particularly to a personal pension or money purchase arrangement, you should take independent financial advice and beware of unauthorised companies.  More information can be found on the following websites:

MoneyHelper – Transferring your pension

The Pensions Regulator – Who to Contact?