A trust fund was set up in 1999 with 3 trustees. When I took over responsibility for operating the account for the policy holder in April this year, Prudential advised me that they did not hold any paperwork for the investment as it was too old and their records did not go back that far. They insisted that there was only one trustee for the policy, and admitted that the trust required a minimum of two trustees, and that they had incorrectly set up the trust in 1999. They blocked withdrawals from the account until additional trustees had been appointed. They initially advised me to get a solicitor to draw up a new trust deed at my expense, although later they sent me a form to make the appointment which only required witnessing. After hours on the phone, I am having difficulty accessing the funds. They requested so many types of i.d. which have all been sent to them. I made a complaint to the Ombudsman, and his investigation is continuing. An absolute nightmare of a company to deal with, and I would class their service as completely incompetent.