I know your question was for Julian but we wrote our pensions down my OHs was army and mine the NI one and neither will be touched as we are a long way from receiving them. Hope this helps.
Jo x
"There is light at the end of the tunnel, if you cant find it get a brighter torch"
For links to help with Bankruptcy, useful web pages and also a run down of my new debt free life, both before and after Bankruptcy, then please visit my blog:
As long as it's an Inland Revenue approved pension and you're over 3 years from retirement, it will be fine. However, if you are making AVC's, you may have to stop for the duration of your BR.
Julian Donnelly Spokesperson for www.Bankruptcyhelp.org.uk Don't forget the helpline on 0800 078 9367