Had a work place pension scheme which had been paid into for 13 years. Started off fairly well, but dropped off. As retirement neared looked at the position in more detail depth. Upped the payments into the policy, only for Scottish Widows to loose the lot and some. Down by circa £20k in 2 years. Comments made by others are consistent with the "run around" from a Scottish widows. Complaint to ombudsmen, who would not investigate because a letter that was required, reportedly sent out never arrived and then fell out of 6 month widow to complain. If you have an issue with Scottish widows, although a pain and you probably have better things to do then be on the phone for hours. You need to keep on their case. Personally I thing Scottish Widows do not have the funds they claim and it's "Rob Peter to pay Paul"