Blame Brown and his communist tendencies
Don't blame the company, blame Comrade Brown and his natural communist tendencies. He wants most of your money when you are earning, he wants more of your money when you retire and he wants the rest when you die. You see he knows much better ways of spending your money and feels so much better 'stealing' your money and giving it to some poor family in Africa. Comrade Brown effectively "Closed Down" every final salary pension fund in the UK by his raiding of the coffers to the tune of five billion!
Don't say you were not warned - all those who voted for this sorry excuse for a government, not once but three times, should be held accountable for their actions!