Thanks Keith I was hoping for happier news but it looks like I will have to pay up.
This "adviser " admitted to me that he did not know that moving funds would incur the penalty it did Whereas I would have thought moving funds was his job I feel he should contribute to my expense but don't know how to enforce this because he has gone into semi retirement
Any views on that would be gratefully received
Sorry Keith I thought I had relied saying how much I appreciated the advice you gave me
I gave you a rating on 2 occasions perhaps I am not entering it correctly
I am grateful for your assistance and reluctantly am in the process of writing the cheque right now. I go on holiday tomorrow and hope to forget about this on going niggle!!
Many thanks for your help