The Prudential forged documents and contracts in my name, and I actually have the evidence that proves this fraud. I had an opt out pension with the Prudential, which I took out in 1987. At the time of this pension being recommended to me by the Pru, I did not meet the minimum criteria i.e. at the time I was earning less than 5k per annum, and it would have been more beneficial for me to stick with my N. I. contributions to my government pension. I was unaware of these pre- conditions at the time of opting out, but nevertheless my financial circumstances should have disqualified me from the scheme. But what the Prudential then did was alter my earnings to show that I did qualify for the scheme, and they then initialized the changes in several instances to give the impression that I had made these changes. I have since been in correspondence with them about this (for two years now), and even though the evidence is incontrovertible and staring them right in the face, they refuse to assume any responsibility for this, although they do admit that I couldn't have been responsible for the fraudulent altering of the documents. I have even written to the CEO, Mr John Foley, who responded by saying that he takes these allegations very seriously, and then stopped responding to me when he could offer no explanations as to why it had happened. I asked him several times to consider the fact that this may also have happened to many other Prudential customers, but with no success in receiving an answer to this. I have even asked them to return the money that they stole from me by allowing me to cash in the small annuity, as other companies allow you to do, and they actually responded to this by saying that they wouldn't allow me to do that as they didn't think it wouldn't be in my best interests. Seriously. That's exactly what they said. That they were considering my best interests after defrauding me in a pension scam. Steer well clear of this company. In my humble opinion they're complete charlatans.