Melanie, all you have been a great help and have given me answers that I felt my supervisor failed to answer clearly. Today I spoke with the manager of the supervision department who will give the definitive answer tomorrow. I think though I have an answer and my instinct is telling me to leave earl...

Hi Greedfighter that is correct I did Opt for the new pension scheme, some people say it was a mistake but personally when I weighed up the Pro and Cons the new scheme gave me the option to take my Early Departure Point (EDP) payment and I felt there wasn't much difference between AFPS 75 and AFPS 0...

Dave when you say Divi do you mean how much pence, if so this is 39p

Thanks Melanie agree it is lot of money but equally I don't really want to work the next 22 mths to have to hand it over. Would you suggest an independant financial advisor or a solicitors that deal with HM Forces

Thanks everyone some interesting info here, I have just checked my proposal it doesn't say anything about the HMF Pension, therefore I will check with my supervisor to confirm if this has been exempt. I do remember speaking with my IP reference this last year I am sure he said it would be classed as...

I AM IN A IVA AND SERVING WITH THE ARMED FORCES IN ABOUT 22 MONTHS FOR 22 YEARS SERVICE I WILL GET A LUMP SUM GRATUITY PAYMENT OF ABOUT 28K AND ABOUT 400 PER MONTH AFTER UNTIL I DIE. WHICH IS THE ARMED FORCES PENSION. IS THIS PAYMENT CLASSED AS A WINDFALL AND THE MONTHLY PAYMENTS I WOULD GET THEREAF...