I had a pension with IL since 2000 and transferred it into a PRSA with CL to consolidate my pensions. There was no item in the terms & conditions for a penalty for transferring the pension and the fund value was reduced by 15% on transfer even though in the terms it states you can transfer. I have queried this over the phone to IL but they have not responded to me. Their new pension policy documents mention a fee associated with this but was never issued to me ?Any idea what my position is?