You cant understand why? well simply, if your not going to commit to the queen....why should she commit to you?
If the rules were that if you sign on the dotted line for the big 55....collect the pension and then subsequently whack yer PVR in, what do you think most people would do? No, I'm sorry mate. The Pay n pensions people were quite right to withdraw the pensh. If you want it back there is an easy solution.