I "invested" my pension lump sum according to advice from the Teachers specialists a year and a half ago. I have had a teeny tiny amount of interest, and the value of the capital bond, the unit trust, and the ISA have gone down by a combined £12k. They suggest that when the market is low is the time to invest more. Are they crazy? I know the theory, which is what is making me hold on and not withdraw what is left. But send good money after bad? Not on your nelly.

I think I told the guy I wanted my capital safe.

But in the circumstances, so many people are in the same boat that mis-selling is probably not the issue, and would be taking from others if pursued.

And the Halifax would not have any problem lending me money for a new house based on what I have access to. Even though we can't sell Dad's yet and I might not be able to find a buyer for mine any time soon.

But I want my money back, not other money.

Penny