I worked for a company from around 2013 to 2015 and had a pension with around £8,000 in the pot. I would point out I had the same email address from 2009 to the current date. Given everything else that was going on in your life, it’s not surprising that you didn’t immediately rush to give the pension scheme your new postal address. 'In this instance, the scheme was administered in accordance with the legislation and scheme rules in force. Your unfortunate experiences are a reminder to all of us of the need to make sure that any pension scheme of which we are a member has up-to-date contact details for us.