i joined my employers pension scheme at 21 after finishing university and contributed at the London rate. I then had 2 daughters who became nurses who worked in London for a short time.
They went to Spain and met a dentist and a doctor from Birmingham and they got married and they got jobs in Birmingham.
I was retired early and my daughters immediately said I will be coming to Birmingham.
The auditors asked me why I contributed at the London rate which makes me entitled to a London rate pension.
My answer was my daughters did not communicate with me before they were born to tell me they would want me in Birmingham.