If you’ve been declared bankrupt on or after 29 May 2000, your pension pot is protected against any claim by the Trustee in Bankruptcy.

However, a Trustee in Bankruptcy can apply to the court to recover what they would consider ‘excessive contributions’ paid to the pension scheme. If you’ve paid in unusually high levels of contributions, they could prove that you’ve done this to deliberately deprive your creditors of money owed. This could cover any contributions paid up to 5 years before your bankruptcy.