After reading this article http://www.moneymarketing.co.uk/pensions/hmrc-concern-at-low-take-up-of-pension-protection/1046260.article I am very concerned that the FSCS will be hit with many claims. The Government should be more flexible over this. If someone leads a busy life and these legislative changes have not appeared on their radar screen why should they be punished for saving hard and doing the right thing? I sincerely hope the bashing of the pension savings regime costs the Governing Parties dearly at the next election.