Pension fraud and pension liberation causing chaos and misery. But there is so much more to come when pension "freedoms" open the floodgates to the fraudsters. Not just the usual suspects, but whole armies of opportunists ready to scam the unwary victims who will lose their pensions. Hundreds of Ark victims are now receiving tax demands, only a few months after Stephen Ward of Premier Pension Solutions (the principal promoter and administrator behind Ark) claimed "Ark is history".