In all fairness to SPVA, the policy is to allow one free pension forecast per service person each year however, if any further requests are made within the same year they charge £75+VAT. I don't agree with the charging but there is one free each year.
My concern was that when I asked further questions regarding the online calculator versus pension forecast, they asked for the money to continue discussions even though I wasn't really requesting another pension forecast.
All I wanted to know was why there was a difference.
Rgds