Honest Accounts From Those We Have Helped

Challenge

A retired civil servant had been subject to an unexplained pension deduction for over a year. Correspondence with the relevant authority went unanswered, and the client had no clear understanding of the reason for the reduction or how to challenge it.

How We Helped

Payung Legal conducted a Position Review to establish the basis for the deduction, then prepared a formal appeal letter with supporting documentation. All correspondence with the authority was managed directly, and the client was updated at each stage.

Outcome

The deduction was reversed within eight weeks of the formal appeal submission. The client received a written confirmation from the authority and a written summary of the resolution from us. Timeline: approximately 10 weeks from initial consultation.

Challenge

Following the passing of her husband, a client in her late fifties was uncertain whether she was entitled to any portion of his pension. She had received conflicting information and was grieving, making it difficult to navigate formal processes on her own.

How We Helped

We arranged a sensitive initial consultation at a pace suited to the client. Entitlement eligibility was reviewed, required documentation identified and collected, and a formal dependant benefits claim was submitted on her behalf to the relevant pension authority.

Outcome

The client was confirmed as eligible for survivor pension payments. She began receiving her entitlement within approximately 11 weeks. A written record of the process and documents was provided for her personal records.

Situation

A professional approaching retirement had accumulated pension contributions across both EPF and a former government employer scheme. He was unsure how these would interact and whether any action was needed before he stopped working.

What We Provided

A single Position Review session covered his full pension situation, including the entitlements from each scheme, projected timelines, and any documentation that would be useful to have prepared in advance. A written summary was provided for future reference.

Result

The client found the session sufficient for his purposes — no further legal engagement was needed. He confirmed that the written summary was particularly useful when submitting his retirement documentation some months later.