The insidious tactics used by a gang of pension swindlers can be revealed following the jailing of two key conspirators.
Alan Barratt, 62, was sentenced to five years and seven months last Friday, and Susan Dalton, 66, got four years eight months after both admitted fraud charges.
The gang traded under names including Friendly Pensions, persuading victims to transfer savings from their occupational pensions, resulting in 245 people losing £13.7million.