Vic after a long drawn out battle trying to get pension credits i ask the man on the other end of the call just give me to same as if i had just fell of a wagon in Dover ? he told me it would be in the bank within 3 hours moving from site to site you are never in one firm long enough to start a pension you were told Monday you would be finishing on Friday and you never knew where the next firm or site you would go to next even what part of the country that was the building trade.jp