I have recently reached retirement age and I have taken my 25% tax free from my pension plan. I then placed the balance in an arf and armf. However my pension broker told me that I would be able to get a better "allocation" if i invested in such a fund. This did not materialise. He urged me to do this as it would cover his commission and then i would be no worse off and everybody would be happy. He then took 4.5% commission on the investments in the arf and armf which is double what he originally said. All of this was verbal and he never put anything in writing so there is probably not much i can do on this. I rang him and complained and threatened to switch the arf and armf as i thought that it he were no longer the agent there may be a claw back on the commissions paid to him. he laughed at me and said that commissions were paid when the money was invested and that if i switched there would be no charge to him. he also said that the fund would lose alot of value if i movedto another provider. I have checked the policy documents and I am now outside the cooling off period where i coudl change my mind as to the arf/armf. My question is this; Was he obliged as a broker to outline his fees/commissions in a letter to me his client and also they pension company needed photo ID to process the investemnt and I used my passport which is about 20years out of date. Could there be a legal loophole here whereby I could get all the money back from them as they used ID that was way out of date? Any repies would be appreciated.