Hi, I have had exactly the same problem as the previous person. Prudential are doing their best to prevent me getting my pension lump sum. There seems to be a co-ordinated and planned approach to this and I think it is due to uncertainties that will result in the reduction of fund values. If you have got any money at all invested in Prudential pensions then I would strongly recommend that you start the long drawn out process of trying to get it now before you lose significant amounts. If you take the view that difficult economic times are ahead then you may wish to withdraw your funds into cash. This would be a safe thing to do but you will find that Prudential will attempt to prevent you from doing this. They will insist on all sorts of ID. They will insist on all sorts of paper work and phone calls. They may lose things. You won't be able to email them since everything must be sent by post. All these measures allow them to delay. I don't believe this is just incompetence. It feels more like an organised approach. Thank god I didn't put too much with them. If you are considering investing with them, for example if you are a teacher considering AVCs, then seriously think again. Wish I had just bought extra amounts in the teachers pension scheme