Thanks for getting back to me.
I dont think though that you or anybody can say that I did not loose any money .I may have wanted to invest it into something that would have doubled my pension and equally may have invested in something that would have lost all my pension. .My point here is that I did not have a choice and like the majority of people i did not know squat about pensions, so it was up to my Employer /Pension Company to inform me of my choices when I left . The Pension was a Group Pension Scheme not a Group PRSA Scheme .