The whole 32 page document was designed to scare you that you would lose all your money if you left them. One of the last forms they said I had failed to sign (but they never actually issued it to me until the week before the transfer) it was a 32 page scaring letter saying how bad it was to transfer money from them and that my investment was at risk (even though it was being transferred to another financial institution with better performance, and also customer service). Added to this they then charged my over £950 in admin fees, but I also transferred my wife's fund at the same time, and they charged nothing for her fund to be transferred (even though the whole process took the same delayed time and same amount of unnecessary forms from Sun Life). They lie and basically do not want to give your money back or transfer it. Their staff say they will call you back, and never do, they also say things and then deny they said them. They tried every delaying tactic in the book, and used ever means possible to make what should have been a simple transfer the most painful transfer I have ever experienced. I then sent them the same forms again (filled out exactly same way) and then they accept them.
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