2 days later the app started working again, no messages or calls, I couldn't log in until then which would make contacting them very difficult. Moral to story keep mimimum balance in case they freeze your account
General tax type questions, same anyone, she said it was because I opened my account several years ago and was missing that info, not a quick job to contact everyone applicable. Don't worry about it unless they contact you
Hargreaves use to charge a management fee if you held investment funds with them which was a con so I moved my SIPP away, can work out quite a lot of money
why do you need a financial advisor? they are abliged to contact you to tell you you can take it from 55, mine did the same, personally I would just leave it until you're 65+, free advice for you