Private Pension Query

[piggynose]

I wont beat around the bush!!
Can the insurance company who are managing my company pension refuse to pay me what is rightfully mine ?
I'm 64 now. Anyway I thought I'd get in touch with them to see where I stand. After lots of phonecalls I finally spoke to somebody. Anyway they said i am not entitled to anything yet!!! So what should I do next?
A mate told me I should have got something when I was 55. A lump sum of 25%!
Any advice would be appreciated
Tia

[Hymie]

I might die tomorrow – the company pension scheme would then be better off by 25% of the fund reserved to pay my pension (if I had not taken the lump sum) – off course this 25% would be part of my estate for my heirs to inherit (not for me to spend, being dead).