Hi, I wanted to offer some advice to those of you who may have found yourselves in a similar position to me. I left the Army in Jan 2007 (having completed 12 years under AFPS 75). I then rejoined in Jul 2007. Soon after rejoining I requested a pension forecast from SPVA. Let me quote directly from that forecast: "The following forecast is based on an aggregation of your two separate periods of Service in the Armed Forces, twelve years in the AFPS 75 Pension Scheme and six years 67 days in the AFPS 05 scheme. It is based on your current salary of ........ Forecasted benefits as at ..Oct 2013: An immediately payable Early Departure Point (EDP) payment of £......... An immediately payable tax free lump sum of £........ The point here is that in 2008 I received a forecast for EDP benefits. This came as a bit of shock to me, because I had not realised that I was automatically part of the AFPS 05 scheme on rejoining. I sent a letter to the SPVA in a vain attempt to try and stay on the AFPS 75 scheme, but was told that unless you rejoin within 30 days of getting out you will be automatically on the AFPS 05 scheme. But the point is that I have a document which clearly states and accepts the amalgamtion So I was left with 2 options: 1. Keep the 12 years accrued on the AFPS 75 as a preserved pension payable at aged 60, and have 2 separate pensions. 2. Amalgamate this previous service with current AFPS 05 scheme. I went for option 2, incidentally, these options were given to me in a letter by SPVA. I recently requested a pension forecast (March 2013), which stated, again, that I will qualify for EDP payments. So all was well. I then sent this forecast to the Forces Pension Society, and it was only at this stage that I became aware of the 'bombshell'. There is a term which has 'crept' into the latest AFPS 05 Scheme Pension Booklet (issued Aug 2012) which states 'Relevant Service'. I think it is important to point out that in the version of 2007 there is only reference to 'Reckonable Service'. It means that all previous service in the AFPS 75 is not 'relevant' for the EDP Scheme. This has been experienced by those who have been made redundant, but not, I believe, to those who are still serving. As it stands I have an EED of Aug 2019, if I stay in I will have completed 24 years service and will not receive anything until the age of 65 - that age will probably increase. My understanding is that the EDP scheme is seperate from the AFPS 05 scheme and is guided by a Statutory Instrument No 437. I am sure that some responses will be 'well you should not have got out then should you' and I agree whole heartedly, however I, along with other serving personnel have definitely been misled. SPVA are claiming that it was an error, but to simply say we will send you out another forecast is totally unacceptable. If you find yourself in a similar position please pm me.