Sample report. Fictional client and employers. Real registers, real method, real rules.
Page 1 of 13
Section 1
Verdict summary, at a glance
Your position in the United Kingdom
We identified 3 administrator routes for your 3 employers, Harrington and Vale Insurance Group Ltd, Calder and Moss Retail Group Ltd and Bexley Marine Services Ltd. One trail runs through a dissolution to the Provident Mercantile Retirement Benefits Plan, one through a wind up and a buyout to an insurer's administrator, and one to a live plan recorded under two names. Verified contact details and exactly what to say are inside.
Bottom line
Your report identified who holds the record from your 1989 to 1997 employment, reconstructed through two renames, a merger, a dissolution and a wind up, plus your UK State Pension position from outside the country. The employer no longer exists. Your record does, and this report names the door to knock on and hands you the letter.
It does the same for your other two employers. Calder and Moss Retail Group Ltd left a scheme that wound up and was bought out with an insurer, so the record now answers under Fenwick Annuity Services Ltd rather than the employer. Bexley Marine Services Ltd left a live plan, the Bexley Marine Pension Plan, held under two names, and the right name is the difference between an answer and a no record reply. Three employers, three routes, all named.
| Employer | State | Who holds it | Your next step |
|---|---|---|---|
| Harrington and Vale Insurance Group Ltd | IDENTIFIED | Provident Mercantile Retirement Benefits Plan, administered by Northgate Pension Administration Ltd, confirm your record with them | See the administrator card, quote all three historical scheme names, ask for your record. |
| Calder and Moss Retail Group Ltd | IDENTIFIED | Calder and Moss Staff Retirement Scheme wound up and bought out with an insurer, Fenwick Annuity Services Ltd answers for those policies today | Write to the insurer's administrator, not the old scheme address, and quote the scheme name and your service dates. |
| Bexley Marine Services Ltd | IDENTIFIED | Bexley Marine Pension Plan, live and unchanged, administered by Harborline Pension Trustees Ltd | Write to the administrator quoting both recorded plan names, so the search cannot miss your record. |
In plain terms
Your employer was dissolved in 2004. That ended the company. It did not end the pension. We traced the scheme through every rename and transfer to the administrator who answers for it today, and every step is a public register entry with its date, not a guess.
Identification is not membership: whether a benefit is held in your name is what your letter asks the administrator to establish, because only they can search their own records. You can do that for free with the contacts in this report.
- What this report isPension research: identification of where your pensions are held, the historical scheme names, and how to reach the records.
- What it is notIt is not financial advice, pension advice, or a claims management service. No product recommendation is made.
Page 2 of 13
Section 2
Source findings, the corporate trail
Harrington and Vale Insurance Group Ltd no longer exists. Your pension record does. The trail below is how the current holder was identified, one sourced step at a time.
- Step 1. Harrington and Vale Insurance Group Ltd, London, employed you from 1989 to 1997. The scheme in force over that period was the Harrington and Vale Staff Pension and Life Assurance Scheme. Source: Companies House filing history, checked 2026-07-29.
- Step 2. The company was renamed Vale Financial Group Ltd in 1999 and the scheme was renamed with it, becoming the Vale Financial Group Pension Scheme. Source: Companies House change of name filing, 1999, checked 2026-07-29.
- Step 3. Vale Financial Group Ltd merged into Provident Mercantile Holdings in 2002 and members were absorbed into the Provident Mercantile Retirement Benefits Plan. Source: Companies House filing history, 2002, checked 2026-07-29.
- Step 4. The company was dissolved in 2004. Dissolution of an employer does not end an accrued pension entitlement. Source: Companies House register entry, checked 2026-07-29.
- Step 5. The Provident Mercantile Retirement Benefits Plan wound up in 2011 and its benefits were secured with an insurer. Administration passed to Northgate Pension Administration Ltd, acting on behalf of that insurer. Source: The Pensions Regulator public register, checked 2026-07-29.
Confidence: CONFIRMED. Every step above is a register entry, not an inference.
Page 3 of 13
Section 3
Who holds it, and what you must quote
You worked at Harrington and Vale Insurance Group Ltd from 1989 to 1997. Employers like this ran occupational pension schemes for their staff. The plan carrying that trail today is the Provident Mercantile Retirement Benefits Plan, administered by Northgate Pension Administration Ltd on behalf of the insurer that secured its benefits in 2011. Whether a benefit is held in your name, and what it is worth, is established by the administrator, who checks their own records against your name, date of birth and employment dates. You can ask them yourself, for free, using the verified contacts below.
The plan has been renamed as the businesses behind it merged and changed hands. The register records these former names, which cover your employment period:
- Harrington and Vale Staff Pension and Life Assurance Scheme
- Vale Financial Group Pension Scheme
- Provident Mercantile Retirement Benefits Plan
- Phone020 7946 0421 (fictional number, sample only)
- AddressNorthgate Pension Administration Ltd, Northgate House, 22 Coleman Street, London EC2R 5AN
- Contact last verified2026-07-29
You send this yourself. We do not correspond with administrators for you at any tier. If a reply is unclear or asks for documents, forward it to us and we will tell you what it means and what to send next.
Sourced by PensionHunter research: Companies House filing history and The Pensions Regulator public register, each step dated in the corporate trail above.
Pages 4 to 13
Contents of the remaining pages
- Your action plan, step by step, with where to go and how long each step takesPage 4
- Your request, ready to sign, in email and postal versionsPage 5
- Why the request comes from youPage 6
- Second finding, Calder and Moss Retail Group Ltd, the wind up and buyout trail, with the administrator answering for those policies today and their verified contact routePage 7
- Third finding, Bexley Marine Services Ltd, the live plan held under two names, with both names and the administrator's verified contact routePage 8
- Your State Pension position from outside the country, and the deadlines that apply to you, each with its datePage 9
- Your action pack, and what most people missPage 10
- What a no record answer really means, and the question to write backPage 11
- Where to find your National Insurance number, three routes, cheapest firstPage 11
- Methodology, sources and scopePage 12
- VerificationPage 13
This is Anna's report. Yours is built from your history.