Ok here is the thing Have just found I have a private pension scheme which has been running since 1990, It was funded by my SEPS ie I opted out of the Governments second pension scheme. Upon ringing the company I was told that no funds had gone in since 1993? I rang the National Insurance people and was told the reason for no funds going into it. Apparently my SEPS go to fund my Army pension?????? Am I the only one not to realize I was paying for my own pension??? I thought it was a perk of the job rather than something I have funded all this time!