It has been my pleasure to have been in communication with Tom and Peter Hewetson at British Pensions Consultants Inc. over the past several years. I recently turned 65, and was unsure before I contacted them whether I would qualify for any British pension, having worked in the U.K. for only 6 years ,and my wife for only 3, before emigrating to Canada over 40 years ago. I am delighted to say that both my wife and I are now regularly receiving a British Pension, and the Hewetsons with their knowledge, patience and expertise have negotiated the incredibly complicated red tape in a way we would never have been able to. They are accessible and personable, and are always willing to answer any questions or concerns. If you believe a British Pension is your legal entitlement, no matter what your age, look no further. Tom and Peter speak the language, literally, of the U.K pension bureaucracy and I highly recommend their services. You have nothing to lose, and potentially a great deal to gain.

I first contacted the British Pension office in 2004 and was told that I didn't have enough UK NI contributions to get any Basic Pension. However, further down the page the fine print indicated that if I paid UK NI contributions for 7 'missing' years I 'could' receive 39% of the full amount of Basic Pension. This would amount to 30.21 pounds per week. I was disappointed with the response and filed the letter thinking it wouldn't be worth pursuing. Fast forward to 2007, I received a call from a friend who recommended I give British Pension Consultants a call. They had recently helped a friend and others get favorable results with their pension requests. I had nothing to lose and contacted their leader and all-round British tax expert Tom Hewetson. Along with Tom's son Peter, they managed to secure an even better result in that I am now in receipt of a pension of 88 pounds per week, including 33.00 for my wife who has never worked in the UK! The payback was spread over three years and was well worth the investment as it will pay for itself within a year or less. The end result is that, thanks to Tom and Peter we've done a lot better than the British Pension office calculated. They know the in's and out's of the British Pension system and how to maximise our entitlements. Thank you Tom and Peter for making our retirement a little easier.

"Where there's a will there's a way!"..."Never give up hope!"..."There's a light at the end of the tunnel!".....So go the many cliches...After SEVERAL fruitless attempts to make meaning of The UK Pensions I gave up......BUT, then along came Tom of British Pensions; there was hope, the light at the tunnel end proved profitable and through his knowledge and will there was a way. I, along with my sister, are the "richer" for his efforts..Taa muchly, lad. Yer dun a right good job....

I am now receiving the full UK pension and my wife is also receiving her full entitlement. I must thank you very much for this, as I do not believe that I would be receiving this full amount without having your assistance. You have been most helpful in guiding me through the process to ensure that I was able to receive the maximum amount that is available.

I would like to thank you again for providing your excellent service in order that my husband can collect his British pension. Although he only had 9 accumulated years, we followed your suggestion and put in payments to bring it up to the 30 years full pension rate. I must say that it was a welcome surprise to hear that although I am a Canadian citizen that has never worked or lived in the UK, I will also receive a spousal pension when I reach Pension Age. It was a great relief not to have to go through all the bureaucracy, mostly when one would have to deal with someone in a different country. Your expertise was most appreciated. Once again thank you for your hard work.

Thank you for all your help in securing my "previously unattainable" British Pension just in time to beat the deadline. How you two make your way through the "gobbledy gook" text is a miracle.

British Pensions Consultants Inc are outstanding and here's why:
Several years ago a fellow chartered accountant here in Vancouver suggested that I might be eligible for a British Government Pension based on my early employment history in the UK. After a frustrating year of dealing with British bureaucrats I gave up after being awarded a pension of $0.70 per month. Well, last year, my long time English doctor put me in touch with BPCI. With their guidance I made a make-up payment to HM Revenue and Customs of some $6500, which, last month, resulted in me receiving a lump sum of pension arrears of $9845. In addition my wife and I will now receive a combined pension of more than $300 per month, for life. As a professional accountant I could not cut the bureaucratic tape but British Pensions Consultants certainly could and did.
Many thanks to the BPCI team of Tom and Peter Hewetson.

Exactly as you promised, the pensions for both me and my wife have started to be paid on a regular basis. We could not have received this money without your help especially after the people in Newcastle told me that I did not stand a chance of getting a pension.

As a physician of 61 who only worked 7 years in the UK after qualifying, I was not expecting anything at all out of the British Pension Scheme. However, in 2008 I learned about BPC who sounded remarkably positive about my prospects, so I signed up on the basis that , for a fee, they would do all of the paperwork and all of the interfacing with Newcastle, with the written proviso that if I couldn't qualify for a pension, there would be no charge whatever. It seemed like a pretty good deal to me. In addition to doing all of this with minimal input from me, BPC guided me through the arcane but very rewarding world of Class 2 where on occasion buyback rates may be dramatically reduced if the seemingly impenetrable maze of pensions paperwork can be navigated. Although this can't happen for every case, it worked in spades for me. The bottom line today in 2009 is that due to their obvious expertise in this field (who else would know the correct answers to the questions Newcastle ask?) plus a fortuitous change in regulations and some very economical buybacks, at age 65 I will be receiving a full 100% British Pension. There is not the slightest doubt in my mind that I am only in this situation because of the skill, knowledge and persistence of Tom and Peter Hewetson - keep it up and thanks again!

Greetings, Tom and Peter,
Deepest gratitude to you both for securing for me a little breathing space in my finances. I wasn't aware that I was entitled to any UK Pension till you went to bat for me. Your services have been invaluable and well worth the cost.
Thank you and beyond.

Some 4 years ago I met Tom Hewetson at a party and we discussed British Pensions - he knew lots and I knew little! We found that he had already obtained surprise pensions for some friends of mine who frankly said they could not have done it alone, so my wife and I had him do our pensions. My wife paid some money back in 207 and has been very happily receiving her pension since. One down, one to go! As I am not 65 for another 3 years Tom and son Peter had me pay back some very inexpensive years to project a 60% pension with which I was very pleased and happy to pay their fees. In 2009, realizing I'd neglected to keep up the payments specified I called BPCI again and BINGO! Under new regulations published after we last spoke I learn that if I pay back a little more my 60% pension will now be 100%. BPCI is currently helping me to continue paying the low cost contributions till I am 65 at no additional fee.
My question is, "How would any regular claimant KNOW how to do all this?" Thank you Tom and Peter!

On behalf of (my wife) and myself, I would like to thank you both for all the work you have done on our behalf over, believe it or not, the last three years in order to secure for us the maximum British Pensions to which we are entitled. These are now coming in on a regular monthly (ED- ACTUALLY FOUR-WEEKLY) basis and more than justify the small fees that you have charged us. There is no doubt that without your excellent and both friendly and capable advice we would have been lost in the quagmire of bureaucracy and would have given up in despair with no pension. Keep up the good work. We shall recommend your services to others...

In 1967 at twenty, I emigrated to Canada, fresh from 3 years in a UK bank where I had accumulated an annual bank "pension" of 1 pound two shillings pa payable in 2007 ! Now at 60 and anxious not to leave all of this treasure to the bank I was on the Web gathering information on how to secure this huge sum when I stumbled across an article about this Tom Hewetson who claimed he could help people with British Pensions. I did like his slogan NO PENSION - NO FEE and as it said I had nothing to lose, I went on his website and completed the two one-page forms. Mr Hewetson emailed me back to say I could qualify for a British Pension, I couldn't believe it !!! I was really sceptical but he explained everything to me, took care of the paperwork and today, a year later, I have just received my first deposit. Just to go full circle, I contacted my generous former bank and of course, they bought me out for the grand sum total of $38.00. However, I will also now be receiving $317.00 every month from the British Government for the rest of my life. I cannot thank Tom and Peter enough for securing this pension for me. They even got me CRA tax relief on their fee and on much of my British Pension - this will make our lives a lot easier ! I am amazed to learn that as we have no company pensions we can even split it between my Canadian husband and me under the new 2007 Income Splitting Regulations. Thank you! Thank you! Thank you!

Nearly two years ago at age 68 I was given Tom's name by a good friend of mine whose brothers had also received UK pensions via BPC and all spoke highly of BPC expertise. I had a lettter from Newcastle already saying I could get no pension as I only had 10 years UK work vs the 11 needed - so I knew I had nothing to lose.

Not only did Tom manage to get me a pension - I didn't have to pay a nickel to the Government and he got me several thousands of dollars in lumpsum arrears as well! Logically I find it "challenging" to be able to receive arrears when I never worked enough years in the UK to qualify, but from the volume of paper I reckon BPC do everything "by the book". It is most fortunate for me as HMG obviously didn't publish that book for regular pensioners' consumption that my friend Richard passed on the BPC name. I can't speak too highly of Peter and Tom and their knowledge and diligence in pursuing that which I simply didn't know. It is a distinct pleasure to know that I have received my complete legal pensions entitlement. (And I didn't have to do all the specialist hard work!)

Once again, thank you on behalf of both my wife and myself for your masterful handling of our claims - all completed in the nick of time before the UK goes broke!

I know this is no more than "our legal entitlement" as you said, but I also know that I would never have come close to accessing it without your expert intervention!

I would like to thank you for your efforts in obtaining my British Pension. When I retired I did not even consider my British Pension. The pension that my wife and I now get from the British Government is nearly £5,000 pounds per annum, an amount which I never even considered I would be entitled to. I would certainly recommend the services of Tom Hewetson for anyone else trying to obtain a British Pension.

My heartfelt thanks to Tom and Peter Hewetson of British Pensions Consultants for all the their dedication, hard work, and paper shuffling for the past two and a half years helping me obtain a pension from UK government. With my 65th birthday approaching I felt it was time to start thinking pension. While browsing the internet for information I came across his site with the "No Pension No Fee" slogan I felt I had nothing to lose and much to gain. After talking to Tom on the phone I was taken by his calm demeanor and excellent knowledge of the pension system and the obstacles which may be encountered. I decided to let Tom handle my claim, I would not have been able to negotiate the massive amount of paper work presented by the UK pension department without his help. Once again Tom many thanks.

I signed up with Tom Hewetson of British Pensions Consultants as one of his earliest clients in March 2004, with just 9 years work in the UK and only a vague hope that I could get a pension from the UK Government.

Tom assured me that I could get a pension, then arranged for me to buy back the amazing ultra-low-cost Class 2 contributions about which I knew nothing except that they saved me an absolute bundle! Initially, to catch up, I made a hefty one-time backpayment , then paid back only just over £100 a year (a tiny fraction of the $2,000 pa most of us pay to CPP!) until I retired in September 2009.

My £55.10 per week UK pension is even more than Tom predicted in 2004, as it is apparently indexed until I received it at age 60. That plus getting my UK pension un-reduced from age 60 so I get 5 more years maximum pension than with CPP, was a bonus that will benefit me for the rest of my life. This UK pension is paid on top of my CPP and I can even get some Canadian tax relief on it !

Finally, unlike my friends who did it all themselves, but never knew the whys and wherefores, I am absolutely certain that with BPCs expertise, I get the "best possible pension I am legally entitled to" (Tom's favourite phrase!)

However, I did none of the work, form-filling or mailing to the UK that they had to do. Also, simply by learning from BPC that I could pay back the ultra-low-cost Class2 early on, I saved the BPC fee several times over!

It is a pleasure to write this reference as Tom and Peter patiently answered all of my queries and sorted out everything with Newcastle-on-Tyne for over 5 years, an awesome commitment for their (tax-deductible) fee.

NO PENSION - NO FEE certainly worked for me!

It is now nearly 2010 and my wife and I have been in receipt of significant but unexpected UK pensions since 2007. I was so delighted with us receiving them so soon I had always promised myself I would record this so other ex-Brits like us could benefit – but procrastination always got in the way! However, here we are and this is what I did. As an old IBM-er I left the UK in 1979 imagining that I’d left my UK State Pension behind until I heard about BPC and contacted Tom and Peter Hewetson, who soon put me right. These guys really know the Pension scheme ins and outs backwards and did all the paperwork too! I made the recommended backpayments, which I recovered in the first FOUR MONTHS because of the mysterious Class 2 that BPC claimed for me. The bottom line is that my wife and I are now receiving, between us, £5,600 pa to add to our CPP and RRSPs. Retirement is a lot better for us because of Tom and Peter knowing how to maximize our pension for the minimum backpayments. Keep it up, guys, you’re doing a great job!

I would like to thank you again for providing your excellent service in order that my husband can collect his British pension. Although he only had 9 accumulated years, we followed your suggestion and put in payments to bring it up to the 30 years full pension rate. I must say that it was a welcome surprise to hear that although I am a Canadian citizen that has never worked or lived in the UK, I will also receive a spousal pension when I reach Pension Age.

It was a great relief not to have to go through all the bureaucracy, mostly when one would have to deal with someone in a different country. Your expertise was most appreciated. Once again thank you for your hard work.

We would just like to express our gratitude for all your help with our pension. We will be even more grateful if you would go over there and twist some arms, and get the same as all these other countries!

I have lived in Canada since 1976 after having worked in England for 8 years. In 2005 my wife and I were an ordinary middle aged couple working hard and aiming for retirement. In 2006 I was diagnosed with Rheumatoid Arthritis and our lives changed. I could no longer work and this meant using what savings we had to survive. As far as our retirement was concerned we were worried. I receive a private disability benefit through insurance which ends upon me reaching 65 years of age. I actually wrote to British Pension Consultants to find out if I could qualify for some kind of assistance through the British Government for my disability. Unfortunately I did not but I did find out from them that for a relatively small sum of money I could play "catch up" with my missed years of National Insurance stamps. As I'm only 54 years of age I have 11 years to do the "catch up" before hitting 65. I am now able to look forward to retirement again. As my disability benefit ends it will now be replaced with my full British State Pension. My wife and I have gone from feelings of despair to ones of confidence. Thank you British Pension Consultants!

Thank God I went to britpensions.ca and picked up the information I needed to claim my pension from England. People told me that I needed to go through so much red tape and that if I didn't have all the information such as my National Insurance No: and all the relevant dates of employment it was useless to even try, and it was peanuts anyway. You didn't seem to think it was a problem, although I was still pessimistic, but lo and behold on going to my bank one day, I found that over $8000 had been deposited to my Bank Account. Not only that, I will now receive a pension every month. This is a lifesaver for me as I am on my own. There is no way I would have been able to do this on my own. What a fantastic 62nd.birthday present. Can't thank you enough!

Travel often creates new experiences and chance encounters. In March 2006 my husband and I were on a flight from Toronto to London, and I was seated beside a friendly English gentleman. In conversation I learned that Tom was taking one of his regular trips to England in connection with his business of securing the best possible pensions for ex. UK residents living in Canada.

As former residents of the UK and feeling that our knowledge of British Pensions was limited at best, we got Tom Hewetson's business card, and contacted him 2 weeks later on our return to Canada. From his years of experience, formerly working for the Pensions Department in Britain, he fully understands what the entitlements are. Most of us do not, and not surprisingly the UK Government does not make it easy to find out. The facts are well clouded in 'red tape' or so it would appear.

Tom has maximized what we are entitled to from our years of residing in the UK and we are certainly glad we got him involved. How fortunate and timely chance encounters can be.

Just a little note to let you know how much I appreciate your service, assistance, and the success in obtaining a pension from the U.K.

Some years ago I had applied, on my own, for a pension based on the time I lived and worked there as a young man, prior to my emigration to Canada. I was told that I had insufficient "input" to the fund and did not qualify as a recipient.

Recently I was given your name by a friend for whom you had success. After a brief meeting with you, you went to work for me and obtained a very satisfactory result with the "Pension Fund" back-dating their payment to me, to the date I was qualified to receive pension.

Thank you again for a "job well done" and I will pass your name on to friends I feel might gain from your service !

Tom Hewetson became my British Pension advisor 2 1/2 years ago. My husband had passed away and I had no idea how to proceed on my own and less idea how long this would take – thank goodness for Tom's patience and perseverance! I had not paid back any money and had only worked in England for 4 1/2 years. I wasn’t even sure that I was entitled to any pension at all. Tom was wonderful and explained to me how we could use my late husband's contributions, and he proceeded to do everything for me. I started to receive approx. $200 per month. After about a year Tom called me and told me that I could pay back some money in order to increase my monthly pension. This was a complete surprise to me, I thought that once in payment, a pension couldn't be enhanced, apparently not so. I did pay some money back and now receive an additional $100 per month. It's good having Tom on your side as he has a great deal of experience and understands the system having worked in Britain at the Pension office.

Several years ago I was in touch with the Newcastle Pension Centre in the U.K. The information they sent me from their web site indicated that I would not be eligible for a U.K. pension considering the number of years I had been in Canada. As a res ult I didn't pursue the matter further. A friend suggested I should contact a Tom Hewetson of British Pensions Consultants Inc. situated in Toronto. She was so pleased that he had been able to secure a British pension for her. I phoned Tom and after answering a number of questions for him he felt I would qualify for a pension along with my Canadian wife. After several months of waiting my wife and I are now recipients of British pensions. I can't thank Tom enough for all his efforts on our behalf.

I left the UK in 1971, aged 24, settled in the USA and thought no more about the 7 years work I had done there as a young girl.

In late 2006, my best friend from childhood (who lives in Canada) said I should apply for my British Retirement Pension. Her UK record was identical to mine and she had qualified. I was amazed! I contacted the company who had done this for her, British Pensions Consultants Inc. They advised me on the spot that I could qualify and and gave me payback and pension figures which were far more attractive than any investment my husband or I have been able to find in the USA. I will make all my money, plus the BPCI fee, back in just over 24 months then go on receiving my UK pension for the rest of my life. One neat little angle is that as the current UK Pension age for women is 60, there is no penalty for me taking it now rather than waiting till 66 as I would have to do for a full pension with US Social Security - this means 6 years more pension for me!

I highly recommend that any ex-Brit living in the USA thinks hard about a British Pension, and about using the service provided by British Pensions Consultants Inc, it worked for me.

I would like to thank Tom and his staff for their excellent work involving my mother's claim. We immigrated to Canada in the early 60's from Scotland, my father had worked about 16 years over there as a carpenter and always paid his NI stamps. He thought it would be impossible to claim after all these years but unfortunately he passed away 6 years ago. I always thought my mother was entitled to something through my dad's contributions. Then on a visit to the British Isles Show in March of 2006 we saw Tom's exhibit and started to discuss the possibility of making a claim. He seemed to think we had a chance and we had nothing to lose if we came up empty. Since we immigrated in the pre computer era it took Newcastle many months of searching for records. We provided Tom with all the paper work my mother had saved which proved to be priceless. After about a year and a half we had given up hope but I received a call from Tom last Thursday evening with some fantastic news, there was a large amount of money being transferred to my mother's chequing account and she will receive a monthly cheque from Britain! Needless to say it was an awesome Father's Day present to me and made my mother extremely happy. I strongly urge anyone who thinks they are entitled to anything to seek out Tom. Like his slogan says "WHAT HAVE YOU GOT TO LOSE".

Buenos Tardes from E.C. in Costa Rica . Well my dear Tom, you certainly put the icing on my 60th birthday cake!! I received confirmation today from British Pensions confirming my monthly pensions being sent directly into my account here in Costa Rica. Tom this would have been a nightmare for me to have to deal with all the "red tape" and "hoops" I would have had to go through to make my pensions available to me. I appreciate your dedication to me in this matter and also filling out forms and taking the time to call me long distance here in Costa Rica to keep me updated on the status. Dealing with the Pensions department I am su re was a long process and a headache. I am very pleased with the results you got for me and please be assured my friends will be contacting you for you to assist them also.

Tom, it was always nice talking to you over this past 18 months and talking about the "old country" and life here in Costa Rica. I hope you will make a trip down here to see and try one of our Costa Rican beers. All the best to you!

(editor's note: This is a pensioner with a sense of humour and related to what he thought HMG would pension him to afford!)

Just a line - and a cheque - to thank you again for your efforts on our behalf.

We are now enjoying a used Lear jet and a rather nice old chateau in the Loire Valley!

Thank you for your persistence and steadfast dedication in securing my British pension. I could not have done it without your expertise.

As I didn't work for very long in the UK, it never entered my head that I might qualify for a British pension. Fortunately for me, a couple of friends who'd already benefited from his services were quite insistent that I contact Tom Hewetson, to find out my situation if nothing else. When I did eventually call him, what impressed me in particular was his obvious knowledge of the British pension system. To my great surprise, he even sounded fairly optimistic about my chances -- though he promised nothing! And a year or so after that initial phone call, I was delighted to receive my first British pension payment My sincere thanks to you, Tom, for all your efforts on my behalf.

I just want to tell any British pensioners living over here to apply for British Pension if they haven't already done so. It took a while for us to get it but we eventually did, and I am really happy about it. Believe me it works - I am proof. Many thanks again Mr Hewetson.

Now that my pension money is already flowing in, and my wife's will follow now that her national insurance number has been allocated, we both want to thank you once again for achieving a successful outcome and commend you on your high quality of professionalism that made this possible.

Many thanks for all your support. I had given up on ever getting anything from British Pensions till I responded to your ad in the paper.

Many thanks for the great work you did for us. I recommend your services to anyone who is entitled to a UK pension, and even if you are doubtful about your entitlement, it's worth an email, NO PENSION - NO FEE works! Once again Tom, many thanks for all your help and advice.

I heartily reccommend British Pensions Claim Service and am delighted by the result of their efforts made on my behalf. Tom found an entitlement I did not know I had - and I would have had no idea how to claim it even if I had known! I am very grateful to him.

Thank you very much for your prompt and professional assistance in negotiating the complexities of the British Pension system, and obtaining the maximum benefits for my wife and myself, which were quite unexpected. Your services are much appreciated by those of us away from the major population centres.

As a British Emigrant I always assumed I had no claim on a British Pension as my wife and I thought we had withdrawn all our contributions on leaving the UK in 1969. By chance I saw an advertisement for British Pensions Consultants and contacted Tom Hewetson. He rapidly indicated that each of us had a claim to a British Pension and successfully applied on our behalf. All we had to do was provide dates of employment and a few basic documents confirming our identity. We now receive two nice monthly cheques in addition to a one time cumulative back payment. It is always a source of immense satisfaction to get something back from any government as they take so much from us. A simple phone call to Tom Hewetson could be quite profitable.

I would like to thank you on behalf of myself and my wife for all the hard work you did on our behalf. You acted in a very professional manner to obtain the maximum pension we were entitled to from the United Kingdom. Your advice was given in a clear and professional manner. I can without any hesitation recommend your service.

Once again thank you.

I am very happy to be receiving a British Pension as I had no idea that I could qualify for one, having only worked in the UK for a couple of years. At the ripe age of 60 and considering retirement in the near future, it is comforting to know that I will be getting an extra $300 per month towards my retirement income. So, again, very many thanks.

Thank you very much for your tremendous effort in obtaining a British Pension for John and a spousal supplement for myself. After fifty years in Canada we had dismissed the possibility that we would even have been considered eligible for a pension, and I am quite sure we would never have pursued the matter ourselves. You are to be commended for providing such a valuable service, and we hope you will continue your good work for many more people like us.

In May 2004 I attended a meeting of the CABP (an excellent volunteer organization which has been fighting for British Pensions in Canada to be indexed as they are in the UK) and heard their then-Director, Tom Hewetson, talk very knowledgeably about British Pensions.

Using his company, British Pensions Consultants, I subsequently had him look into the case of my 91-year-old mother. She had never received a British Pension even though my father had served in the 1939 Battle of the River Plate and was married to her for over 30 years before he died at age 65 after their divorce.

At this time I had no expectation of anything for my mother, but not having to complete any Government forms whatsoever and Tom's "No Pension - No Fee" slogan, impressed me as a "win-win" situation - that it seems his fee is deductible against Canadian taxes is a welcome but completely unexpected bonus!

After protracted negotiations of well over a year between Tom and the Newcastle Pensions office where he actually went to press her case, my mother received some $4000 per annum which she enjoys to this day.

I can wholeheartedly recommend British Pensions Consultants as very knowledgeable about their speciality, determined and tenacious in their negotiations, without them my mother would never have ever received a pension – we would never have known where to start!

Our own applications to receive the benefits owed to us by the british government were met with excuses and blank negativity. We resigned ourselves to the impossibility of the UK pensions ever being honoured. This was before Tom Hewetson volunteered to negotiate with the UK on our behalf. After several months of meticulous information and documentation gathering, diligence, persistence, skilful diplomacy, and sheer hard work always with cheerful optimism and humour, Tom achieved what had seemed impossible to us and would have been impossible without his exceptional services. Thank you, Thank you Tom!

If anyone is considering using Tom Hewetson to get their british pension I would highly recommend them to do so. Tom will get you the maximum pension at the minimum cost to you and his fees are quite reasonable I am very pleased with the work he has done for me so far and found him to be very profesional.

I just wanted to write to thank you so much for making my experience with claiming my British Pension so easy! When my brother gave me your name & number, I was obviously very interested in the fact that I may be eligable for a British Pension. I must admit, it had never occured to me; I have been in Canada for almost 30 years and it never crossed my mind that I may be eligable or even entitled for this pension. After speaking with you and getting the details, I thought I would do a bit of research on the 'web' and see if I could 'just do it myself'. I found the web-site for the British Government and I found the forms/instructions in order to claim my pension. Ha! how the British Government makes it so easy ........I think not!! The forms etc were very contradictory and I couldn't make heads 'nor tails of it. So, I decided I would contact you once again and hire you to do the 'leg-work' for me and this is how it went: You explained, very clearly, how you would go about finding out what I would be entitled to (if anything) and what your fee would be.

You sent me a form, which I duly completed and returned to you.

I waited and I received a response from the British Government, which at first glance, appeared to tell me that I was not entitled to anything. Upon further scrutiny, it was realised that I was indeed entitled to a pension providing I 'top up' my contributions. Once I decided to do this and the appropriate details were finalized - all I had to do was wait! My application was submitted and after approximatly 3 months I received the first deposit of my British Pension into my bank account! Thank you very much Tom for all your help, I would not be receiving what is rightly mine without your help!

I was surprised to find out I might qualify for a UK Pension, but I was amazed at how quickly Mr Hewetson confirmed my eligibility for a very reasonable pension. I thoroughly recommend "British Pensions Consultants" to everyone who has ever worked in the UK. I have gladly given out his card to several nurses and a pharmacist who worked in the UK.

Well everything you said is true. My bank account showed my first Pension payment from Britain. I was always taught that if something is too good to true it probably is not true. Well this time you proved me wrong.

Thank you for the service you offer. There is no way I would have even been aware of my pension rights if not for your ad in the Ottawa Citizen. Being greedy...I will now wait to see how long before my wife gets her pension.

After waiting for my wifes Spousal Allowance to arrive - again a big thank you for your services. It all came to pass just as you predicted. The Pension Service has begun to deposit her pension into her account.

This was an unknown factor that I would have completely ignored if I had not used your services.

I wish to express my thanks for the work you did in procuring my pension from England. My gratitude stems from the fact that you were so accurate in predicting the amount I would receive and very thorough in ensuring this was so. It is heartening to come across such professionalism.

As a woman of 62, having emigrated from England some 40 years ago and married a Canadian, it never occurred to me in my wildest dreams that I might be entitled to a British Pension.

A friend at the local Seniors club where I cook meals, told me about British Pensions Consultants as he and his wife had received completely unexpected Pensions through them and suggested I call. With the BPCI "No Pension - No Fee" policy they mentioned, I had absolutely nothing to lose, so I contacted them and received an amazing result.

Even though I didn't have the ten years needed to qualify without paying back, because of something to do with my particular age group, not only did I receive a pension better than my CPP, I didn't have to pay back the UK government a nickel and I got a substantial sum (more than the BPCI fee!) in arrears as well! I still don't really understand how he did this, but Tom Hewetson certainly does - he did all the paperwork and negotiations from start to finish for me and provided me with the full UK documentation at the end.

Anyone who has workede in the UK has nothing to lose to give Tom Hewetson a call - he told me in two minutes flat that he could get me a pension but even with all his experience he was amazed at how well it all turned out for me!

This is to thank you for your seemingly effortless threading through the maze that is the British Pension system and helping me fill out the incomprehensible documentation.

Thanks to your prompt and cheerful work on my behalf I was able to claim a pension I never knew I was entitled to.

I think we are all fed up with filling in Government forms, even when there may be some financial reward such as a pension. What a relief to have a conscientious Tom Hewetson, who, from working previously in the UK pensions system manages to invoke various otherwise unknown or little-known factors that I am sure gave me substantially more pension than I had calculated for myself, and he did the form filling, and persistently marshaled it through the UK system!

Dear Tom, Received first payment today. It took a while, but you prevailed! It is only due to your due diligence and great tenacity that I am now receiving a pension. So thank you very much. Please find enclosed a cheque in full payment of your fee which is richly deserved. Be sure that I will promote your service at every opportunity. Nothing resonates with people as much as a success story!

To Every Would-Be British Pensioner

A year ago, our UK pensions situation was pretty bleak. My husband seemed likely to receive only about $200 per month after eleven years of working in the UK, and my own claim had been formally rejected.

Now, my husband will receive $9,325 per year after "topping up" at a low-cost rate, and I will be receiving $3500 per year. This is more than the CPP we paid into for decades. The difference? I found Tom Hewetson a unique ex Newcastle Pensions Officer who explained the whole issue in simple English and related the regulations to our own circumstances.

Tom handled the entire operation for us. He did all the paperwork, he made our claims for us, he had my rejection overruled and won me arrears. This meant I received a pension but paid nothing back and also received a large sum from Newcastle. He had my husbands annual back payment rate reduced from 350 pounds to 106 pounds and got his back payments spread over four years. He explained the wonderful survivor benefits and how these apply both ways, whichever of us goes first.

We are so grateful for what Tom has done for us and his fee was paid back many times over by the improvement in our pension income.

If you are at all concerned about claiming a pension from the UK I recommend you contact Tom Hewetson. He certainly knows his pensions stuff backwards and forwards and I love his slogan "NO PENSION, NO FEE".

Having emigrated from England some 43 years ago, it never occurred to me that I might be entitled to a UK pension.

A friend told me about British Pensions Consultants Inc. and their "No Pension, No Fee" policy. Having nothing to lose I contacted them and received a very pleasant surprise.

Not only was I entitled to a pension but the pay back period, covering the buy-back of the pension and the consultant's fee, was so short that I would have to be crazy not to take it up. I have already started to receive direct deposits to my bank account here in Canada.

Anyone who has worked in the UK, no matter when or for how long, would be wise to look into the service provided by British Pensions Consultants Inc.

In the spring of 2005 I inquired about my British Pension from the Pension Service in Britain. They told me that I didn't qualify because I had only worked for 5 years in Scotland. I was disappointed because I had heard that others had collected some pension.

In the summer of 2005 I saw an advertisement in the local newspaper from British Pensions Consultants Inc. stating that if you are under 60/65 and worked as little as 2 years in the UK a pension could be obtained and they would charge a fee only if you could obtain the pension. What could I lose? I called and Tom Hewetson was very knowledgeable about the UK pension plan. He asked some questions and told me that I should be able to obtain a pension. Forms were sent to me from Tom, I filled them out and sent them back to his office and Tom did the rest of the work for me.

I had to pay back into the plan because I had only worked 5 years and a commission was charged by British Pensions Consultants Inc., which was well worth the money spent. I now have turned 60 and my first pension check has been installed in my bank account. I am receiving 33% more than my girlfriend who worked the same time as me, but did her own work with the UK Pension. I believe that because of Tom Hewetson and British Pensions Consultants Inc., I have received the maximum that I was entitled to. With the initial output of cash to pay back into the plan and the commission to Tom, I feel that in 1½ years I will make up the money.

Thank you Tom and British Pensions Consultants Inc. for your knowledge, kindness and professional help.

Dear Tom,

I want to thank you so much for all the extraordinary help you have given me over the past many months. I am truly amazed at what you have accomplished, and very honoured to be the subject of your first successful appeal. As you know only too well, I would simply not have been able to battle away on my own behalf. And now to have the comfort of knowing that I will be able to manage better is a great relief.

I may never understand all the facts and figures presented by the Newcastle people, but I am content that you found their reasoning acceptable. Even though you thought we ‘could do better' going forward, I am happy to have the assurance of the weekly amount, which is a far cry from the previous situation.

Congratulations on your success and thanks again for all your encouragement and help.

To Whom It May Concern:

I am a divorced woman who only worked in the UK for approximately 6 years. Based on this fact, I did not even consider applying for a UK pension until a good friend recommended that I talk with Tom Hewetson.

After discussing my situation with Tom, he explained that I would indeed qualify for a UK pension based on my former husband's insurance contributions during the time we were married. Tom took on my case, and did all the negotiations with the UK Pension Department for me and the end result, to my delight, was that within a very short time I started receiving regular monthly pension payments. Since I am retiring from the Canadian work force shortly, this UK pension does of course give me added security for the upcoming years.

I am very impressed with Tom's extensive knowledge and expertise in the UK pension system, and would highly recommend him to anyone who is considering applying for a pension.

Dear Tom and Peter,

Carol and I would like to thank you both for all the hard work you have done getting our pensions for us.
After seeing a little of what you went through getting them we realized that we would never have got them on our own. We would recommend your company, and have done so, to anyone who wants to get their pensions from England Once again, a big thank you and we wish you every success for the future.

Dear Tom,

Received your package today I can't thank you enough for all the hard
work and effort you have put forth over the last 2 years. I would never have believed it possible for me to get a pension from the UK and I never would have had it not been for your perseverance.Thank you so
much.

Dear Tom,

I would like to thank you for all your help regarding my own, and my mother’s pension. Without your help we wouldn’t have had the patience, or sufficient knowledge of the British Pension system to complete the process.

My mother, who is 87, received cash and a monthly pension far above the amount she was expecting.
Your “No Pension - No Fee” statement underscores your straightforward and professional attitude, I always felt I was dealing with an old friend.

Thanks again Tom.

A man still under 60 who left Britain nearly 30 years ago, can pay back and forward several years' contributions so he and his wife will receive over $10,000 annually at 65 and for the rest of their lives. If he dies first, his widow will inherit his pension of over $6,000 annually.

In his own words, This is found money, thank you very much!”

Born in Canada 58 years ago, paid only 4 years' contributions in the UK before returning to Canada where she divorced her British husband. She can pay back and forward, and will receive over $5,000 annually at 60 in a "blended" pension. This is partly based on her contributions as above, but very largely on the contribution record of her British ex-husband who has no say in this.

Her delighted comment?It never occurred to me that I could get a British Pension!