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Posted by / 08-Jan-2020 19:06

While banks and building societies periodically clear up their books of dormant accounts, there are still many with just a few pounds in them. You can write to it at: Pension Tracing Service, Tyneview Park, Whitley Road, Newcastle-upon-Tyne, NE98 1BA, go online at or call 0845 6002 537.There are also a lot of building society accounts dating back ten years or more when there was a trend of opening accounts with £100 in the hope that the society would become a bank and give a conversion windfall. However, you will need some details such as the name and address of your former employer, the type of scheme (ie, occupational or group personal) and when you belonged to it.While banks, building societies and the Post Office might take recently withdrawn notes or exchange them for new ones, they are not obliged to do so.

In all cases, you will have to make sure you fulfilled the qualification criteria first. This of course becomes far more complicated if your company has been taken over or the shares delisted (perhaps it has been bought back and become a private company) or gone under.

In addition, policies might have been cashed in years earlier, although this might not be clear from the policy documents.

Insurance companies do not keep details of plans going back decades - so don't expect a fortune from your discovery.

If you know which society or bank the account was with, then you send the form to its head office, otherwise it goes to the BSA or BBA. Shares IF YOU come across an old share certificate, how do you check whether it's worth anything?

For societies that have become banks - such as Halifax and Woolwich - go to the BBA. Your first action should be to check whether the company still exists.

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Companies that have merged or been absorbed into others include Sun Life, now part of Axa, and Royal Life, which is under the Royal & Sun Alliance banner still for general insurance but its life funds are now owned by Resolution Life.