Campaign for Pensions Justice - Parliamentary Ombudsman, FAS, European Court,
Judicial Review


Armed Forces Pensions Injustice - Briefing for Lords
9 October 2013
read the article

Ros prepared a powerpoint presentation to highlight for members of the HJouse of Lords the continuing injustices caused by the armed forces redundancy programme and its failure to honour is pension commitments to loyal long-serving troops


The Independent Feature: Are politicians undermining capitalism?
30 March 2013
read the article

Ros was interviewed by the Independent for a feature on her career which highlighted the pensions campaign she was part of and her views on the dangers of QE


Government consultation on pension protection welcomed
10 June 2011
read the article

Ros wrote a comment for Saga website welcoming the Government's consultation on extending pension protection to schemes where the statutory employer became separated from the scheme before 2004.


G&H may be accepted into the FAS
10 June 2011
read the article

Press Release welcoming DWP consultation that aims to allow the G&H pension scheme to be accepted into the Financial Assistance Scheme, thus better protection scheme members who were rejected by the PPF.


Financial Adviser - More pensioners stripped of their pensions
28 February 2011
read the article

Feature in Financial Adviser explaining how the G&H pension scheme members are being abandoned by the PPF and Government still has not sorted out the problem.


The nightmare is back - Stripped of our pensions again
2 December 2010
read the article

Ros explains that flaws in the 2004 Pensions legislation have left some pension scheme members without any protection at all, even though they have paid PPF levies and believed they were protected. This surely cannot be happening again and legislation must be urgently changed.


FT Adviser criticizes Government FAS spin
28 January 2010
read the article

FT Financial Adviser Magazine highlights the Government's pretence over the FAS - why can't Ministers be honest for once on this issue?


The Herald highlights Government spin over 90%
25 January 2010
read the article

Article in The Herald newspaper highlighting the spin of FAS which does not 90% of lost pensions, despite Ministers trying to pretend it does.


Government misleading Parliament and Press
21 January 2010
read the article

FT Adviser magazine highlights the Government's lack of honesty about the Financial Assistance Scheme. Ros exposes DWP spin as Pensions Minister tries to mislead public and press with claims of FAS paying 'at least 90%' when most victims are not even getting the 90% at all.


FAS does not pay 90% of lost pensions - Government spin
21 January 2010
read the article

Ros highlights flaws in the Government's Press Release claiming that FAS victims will get 'at least' 90% of their pensions - they do not even get 90%, never mind 'at least' that!


Sunday Post - Scandal of our different rules for banks' pensions
30 August 2009
read the article

Feature article in Scotland's Sunday Post, discussing the injustice of taxpayers protecting bankers' pensions in full, while not paying anything at all to restore pensions of other workers.


Taxpayers rescue bank pensions 100%
21 August 2009
read the article

Press Release asking how it can be right that bankers' pensions are 100% underwritten by taxpayers, while Government has always said taxpayers could not 'afford' to restore pension victims pensions in full, despite Parliamentary Ombudsman, High Court and Court of Appeal verdicts.


Response to Financial Assistance Scheme consultation
24 March 2009
read the article

Ros' response to latest DWP consultation document concerning proposed new regulations for the Financial Assistance Scheme. Ros criticizes some of the unfair proposals apparently designed to save short-term costs, but denying victims their money.


Serious ill health FAS provision disgraceful
29 November 2008
read the article

Ros' response to consultation paper expressing disappointment and outrage at the delays in helping seriously ill victims with strokes, heart attacks, cancer etc. Even a year after the announcement to improve the FAS, these victims are still being left out and some have died.


Parliamentary Ombudsman supports Equitable Life victims
24 July 2008
read the article

Article published in Financial Adviser commenting on prospects for Equitable Life victims following the Parliamentary Ombudsman's recommendation of compensation.


When 'hands-off' regulation means 'eyes shut'!
10 July 2008
read the article

Article published in the Daily Telegraph with Ros' commenting on the prospects of more fighting ahead for Equitable Life victims, despite the Parliamentary Ombudsman's recommendation of compensation.


Financial Adviser 'Time to Listen to Some Reason'
28 Feb 2008
read the article

Article commissioned by Financial Adviser magazine describing the Victory for the Pensions Action Group in the Court of Appeal and explaining why the Government's consideration of appealing further to the House of Lords is a waste of time and taxpayer's money.


Victory again in Judicial Review Appeal
7 February 2008
read the article

Three appeal court judges delivered a stunningly strong verdict against the UK Government.  They dismissed the Government's appeals against the Judicial Review High Court ruling and upheld the verdict that its behaviour in this case has been irrational and unlawful.  They also found that the maladministration caused more than just financial losses, but also led to non-financial injustices which have not yet been recognised at all.


Saga article about victory in Judicial Review Court of Appeal case
7 February 2008
read the article

Article written for Saga website describing the victory in the Court of Appeal and the Government's humiliating defeat which saw its appeal against the High Court Judicial Review verdict dismissed.


House Magazine article 'Hard luck and promises' about successful Parliamentary campaign
4 February 2008
read the article

Article published in the House Magazine (Parliamentary Weekly) explaining some of the anguish involved and lessons learned in battling on behalf of the impoverished members of failed company pension schemes.


Seasons Greetings to all pension victims
22nd December 2007
read the article

Ros sends best wishes to all those who have lost their pensions, wishing them at last a happy new year!


Victory - details of FAS changes announced by Peter Hain
18th December 2007
read the article

Ros writes to all victims on email group to explain what has happened, that the Government has finally offered to treat the FAS the same as the PPF and that this is a tremendous achievement - she congratulates all of them and thanks are due to so many supporters.


Victory – A decent FAS settlement at last!
17th December 2007
read the article

Wonderful news! Press Release welcoming the announcement from Peter Hain, Secretary of State at DWP, that the FAS will be extended to put it on a par with the Pension Protection Fund, following publication of the Young Review.


Press Release: FAS time to sort it out, not string it out
16th December 2007
read the article

Ros' comments on what would be required for a reasonable settlement of the problems of the FAS to stop the issue dragging on any longer.


Scrooge lives on – Government must compensate
December 2007
read the article

Ros highlights rumours that Numbers 10 and 11 Downing Street are refusing to allow the DWP Ministers to offer a proper extension of the Financial Assistance Scheme before Christmas, despite previous commitments.  There seems to be a row in Government over this issue.


Pensions Action Group announces all-night vigil outside Downing Street
20th November 2007
read the article

Announcement from Pensions Action Group of all-night vigil on 20-21 November outside Downing Street, calling for the Prime Minister and Chancellor to recognise how desperate their plight is and meet them to try to justify the Government's refusal to pay proper compensation – especially after the 100% rescue of Northern Rock depositors.


Announcing an all-night vigil outside Downing Street
19th November 2007
read the article

Release explaining that – despite the winter weather - desperate pension victims will spend all night on the pavement in Whitehall outside Downing Street and deliver a letter begging for justice.


Money Marketing article about Northern Rock and FAS
November 2007
read the article

Article written for Money Marketing explaining how the Government's refusal to offer fair compensation to victims of pension scheme wind-ups is impossible to sustain after its decision to bail out Northern Rock savers 100% at a cost of billions of pounds of taxpayers' money.


Daily Mail article outlining injustices of Government policy
24th September 2007
read the article

Article published in Daily Mail on 24 September 2007 explaining why the lack of compensation for pension victims is indefensible after the hurried bail-out of Northern Rock depositors.


Prime Minister's answers to David Cameron at Question Time
20th September 2007
read the article

Ros' comments on extracts from Hansard showing the answers given by Tony Blair to questions from David Cameron which called for improvements to the FAS, asked for a Treasury emergency loan to be given to help his constituent who has leukaemia, is 68 and has had no pension and no FAS.


Breathtaking double standards offering 100% compensation to Northern Rock depositors
18th September 2007
read the article

Release highlighting the injustice of Government immediately rescuing Northern Rock savers with a 100% guarantee, while continuing to maintain that taxpayers can't compensate pension victims who have been struggling for years with no pension.


Money Marketing article on double standards of Northern Rock rescue
September 2007
read the article

Article published in Money Marketing magazine explaining the injustices of bailing out Northern Rock savers 100% while offering pension savers far less security.


Saga website – update on Pensions Action Group campaign
August 2007
read the article

Article for Saga website updating members on the latest developments in the campaign for compensation for those who lost their pensions when their final salary scheme failed.


Release welcoming interim report of the DWP review of scheme assets, which explains that the aims of the Lifeboat scheme are achievable
16th July 2007
read the article (pdf, 49kb)

Ros points to the interim Report which validates her long-held view that not annuitising the FAS eligible scheme assets would be much better for members, would save money for the taxpayer and would allow increased compensation without extra taxpayer costs.  The Appendix in the review also highlights how a scheme to collect unclaimed life policies such as from Ireland, could raise £230m initially and then £70m a year thereafter.


Press Release highlighting ABI errors and scaremongering about the cross-party Lifeboat plans to rescue the pension victims
15th July 2007
read the article

The cross-party Lifeboat plans would not entail taking any money from other pension schemes or from orphan assets.  The Lifeboat merely provides a government underpin and then money can be taken from any unclaimed assets that the Government decides to use – assets with owners will not be touched.


MP Briefing on cross party Lifeboat amendments
July 2007
read the article

Briefing for MPs on why Government's criticisms of Lifeboat amendments are unjustified.


Comments on FAS annual report
28th June 2007
read the article

Ros calls on the new Prime Minister, Gordon Brown, to draw a line with the past, move away from spin and end the shambles of the Financial Assistance Scheme.  She comments on the FAS annual report which shows this 'assistance' scheme has paid more for official costs of running it than it has to those who lost their pensions.


Announcement of a Tory Fringe meeting at Labour Party Conference before fifth 'Stripped of our Pensions' annual demonstration
20th June 2007
read the article

Release announcing that the Tories will hold their first-ever fringe meeting at the LABOUR party conference on 25 September 2007, to call on the Government to compensate victims at least to PPF levels, then followed by another 'Stripped of Our Pensions' demonstration.


Grounds for Second Judicial Review
13th June 2007
read the article (pdf, 325kb)

Legal papers submitted explaining the grounds for the Second Judicial Review against the Government, launched by wind-up victims still fighting for a fair settlement which has so far been denied to them, despite Government promises.


Come on Gordon – sort out this mess
10th June 2007
read the article

Lead comment published in Sunday Telegraph as an open letter calling on Gordon Brown to end the suffering of the victims of scheme wind-ups by adopting the amendments recently passed in the House of Lords.


Lords expected to back amendments for fair compensation
5th June 2007
read the article

Release about the expected defeat for the Government in the House of Lords when Tories and LibDems, backed by a number of cross-bench peers will vote on the amendments to Clause 18 of the Pensions Bill, calling for a Lifeboat fund to be established to help pay Pension Protection Fund level benefits to those currently in the inadequate Financial Assistance Scheme.


Letter to Gordon Brown pleading for justice
22 May 2007
read the article

Letter sent to Gordon Brown congratulating him on being next Prime Minister, explaining the shortcomings of the Financial Assistance Scheme and asking him to act quickly when in power to adopt a fair solution.


Letter before action for Second Judicial Review
3rd May 2007
read the letter (pdf, 920kb)

Letter before action sent to the DWP solicitors notifying them that victims will be asking the High Court to once again Judicially Review the Government's decisions on the FAS.


Letter to Mick Leahy asking for union support for fair compensation
1st May 2007
read the article

Letter sent to Mick Leahy asking him to lend his union's support to the amendments to the Pensions Bill which would ensure higher and faster payments to victims of pension scheme wind-ups, also explaining why these amendments are so important.


Ros Witness Statement for Second Judicial Review
May 2007
read the article (pdf, 48kb)

Ros' Witness Statement submitted to the High Court in support of the application for a Second Judicial Review.  The case for expedition and the suffering that is being left unaddressed is highlighted.


Announcement of second Judicial Review against Government
May 2007
read the article

Release announcing that victims of scheme wind-ups are being forced to go back to the High Court to Judicially Review the Government's recent budget announcements of extensions to the Financial Assistance Scheme which do not comply with the High Court ruling in the first JR.


Briefing for Peers ahead of Lords vote on compensation amendments
May 2007
read the article

Briefing sent by Ros to members of the House of Lords to help them understand the proposed amendments to Clause 18 of the Pensions Bill calling for the FAS to be increased to PPF levels and paid immediately.


Prime Minister's answers to David Cameron at Question Time
25 April 2007
read the article

Ros' comments on extracts from Hansard showing the answers given by Tony Blair to questions from David Cameron which called for improvements to the FAS, asked for a Treasury emergency loan to be given to help his constituent who has leukaemia, is 68 and has had no pension and no FAS.


MP briefing explaining proposed amendments to Pensions Bill
18 April 2007
read the article

Letter sent to Mick Leahy asking him to lend his union's support to the amendments to the Pensions Bill which would ensure higher and faster payments to victims of pension scheme wind-ups, also explaining why these amendments are so important.


Release on Gordon Brown's removal of ACT relief
March 2007
read the article

Ros' initial reaction to revelations about the advice given to Gordon Brown in 1997 ahead of his decision to remove dividend tax relief from pension funds, explaining that the decision was irresponsible.


Money Marketing feature on ‘The Muddled Maths’ of the Chancellor on FAS
29 March 2007
read the article

Article published in Money Marketing explaining why the extension to the FAS that the Chancellor announced in the Budget was not all it appears to be and will not deliver a fair solution at all.


The Cold, naked truth – Budget announcements more spin
29 March 2007
read the article

Article published in Financial Adviser which explains that the recently announced extension to the Financial Assistance Scheme is not worth £8bn at all, but the real cost of the FAS is just £1.9bn, which will be further reduced once tax and benefits are accounted for.  The Chancellor had an opportunity to provide a fair solution but opted for more spin instead.


Release cautioning against euphoria about FAS extension
21 March 2007
read the article

Press Release explaining that the extension to the FAS announced in the Budget is not all it seems.


Press release on Budget FAS extension
21 March 2007
read the article

Press Release giving Ros’ reaction to the FAS extension announced in the Budget – more fiddled figures and spin.


Global Pensions magazine article on Judicial Review verdict
March 2007
read the article

Article published by Global Pensions Magazine explaining that the Government has been found guilty of behaving unlawfully and irrationally when rejecting the Parliamentary Ombudsman’s report and refusing to accept maladministration.


Briefing note for MPs on real costs of compensation
March 2007
read the article

Briefing note for MPs explaining that the costs of full compensation would be tiny in terms of Government expenditure each year, that the taxpayer could easily afford this, but that other sources of funds are available too if the Government wishes to find them.


Benefit errors by officials cost over £700million a year!
March 2007
read the article

Official errors in benefit calculations have resulted in taxpayers overpaying hundreds of millions of pounds a year in benefits to people who are not entitled to them.  This note gives a breakdown for one year.


PMI Opinion Piece on Judicial Review verdict against Government
March 2007
read the article

Opinion Piece published in PMI Magazine explaining that the Government has been found guilty in the Judicial Review and asking PMI members to support the Parliamentary moves for compensation.


Press Release – High court verdict Government irrational and unlawful
21 February 2007
read the article

Press Release explaining that the Government has been found guilty of maladministration and that the High Court says ‘no reasonable Secretary of State could rationally disagree’ with the Ombudsman that the public was badly misled by official pension ‘guides’.


Press Release – Hurray, Government is guilty!
21 February 2007
read the article

Press Release welcoming the verdict in the High Court Judicial Review which found against the Government and ruled that the rejection of the Ombudsman’s report was unlawful and irrational.


Summary of Judicial Review hearing
9 February 2007
read the article

Ros was in court for the entire three day hearing of this Judicial Review case against the Government.  This is her report of the proceedings and the case made by both sides.


Press release announcing 7th Feb demo to coincide with JR
6 February 2007
read the article

Press Release announcing that there will be a demonstration on 7th February – to coincide with the Judicial Review hearings. MPs will join their constituents on Parliament Green to show the Government their support for the victims and to demand compensation be paid.


Government was defeated in Judicial Review
February 2007
read the article

Note explaining that the Government was indeed defeated in the Judicial Review and the High Court ruling established that the Secretary of State’s rejection of the Parliamentary Ombudsman’s report was unlawful and irrational.


Judicial Review Ros third Witness Statement
February 2007
read the article (pdf, 27kb)

Ros’ third Witness Statement prepared for the High Court Judicial Review hearings, explaining the ongoing injustices that are being suffered by those who lost their pensions and how this is the Government’s responsibility.


Professional Pensions article on Judicial Review verdict
February 2007
read the article

Article published in Professional Pensions magazine explaining that the Government has been found guilty in the Judicial Review.


Ros’ second witness statement for Judicial Review case
January 2007
read the article (pdf, 47kb)

Second Witness Statement prepared by Ros for the Judicial Review case, explaining why many of the Government’s assertions are incorrect.


Figures showing that FAS does not really pay 80%
January 2007
view PowerPoint presentation (PDF, 39kb)

Paper prepared for Judicial Review highlighting that the FAS does not really pay 80% of expected pension and for most people it will be closer to 60% or even less.  The figures were also prepared with the help of Ronnie Sloan, a leading independent actuary.


Letter explaining injustices of deemed buyback
January 2007
read the article

Letter written to Professional Pensions magazine explaining why deemed buyback is not working and that members cannot get any advice to understand what they need to do.  If they have AVC’s these are confiscated if they choose deemed buyback.


Press Release -  Government summoned to High Court
December 2006
read the article

Press Release announcing that the Government has been summoned to appear before a High Court judge immediately to explain their failure to comply with the court timetable for the Judicial Review case.  The DWP has effectively disqualified itself from the case and has had to seek permission to remain able to participate!


Explanation of  FAS shortcomings
December 2006
read the article (pdf, 59kb)

Briefing note to explain the inadequacies of the Financial Assistance Scheme and what needs to be done to deliver a proper solution.


Letter handed to 10 Downing Street
5 November 2006
read the article

Letter delivered to both the Chancellor and the Prime Minister on 5th November, along with a petition and letters from grandchildren of victims who have lost their pensions, asking them to immediately organise a proper rescue scheme to restore these pensions.


Press Release on Government rejection of PASC report
2 November 2006
read the article

Press Release expressing disappointment at the Government’s rejection of the recommendations of the Parliamentary Public Admninstraton Select Committee (PASC) report.


Government rejects PASC report
November 2006 read the article (pdf, 38kb)

Ros explains that the Government has rejected the recommendations of the PASC report and rejects the reasons given.


Press Release announcing date for Judicial Review hearing on 7th Feb 2007
21 October 2006
read the article

Press Release announcing that the Judicial Review hearing will take place in the High Court on 7th February 2007 and that the hearing has been expedited due to the suffering of the victims who have lost their pensions.


Trust and Pensions in Parliament
17th October 2006
view PowerPoint presentation (pdf, 85kb)

Ros' presentation in House of Commons to All Party Parliamentary Pensions Group explaining background to the pension losses of wind-up victims, why Parliamentary Ombudsman and PASC call for compensation and why rescue is urgent.


PMI Soapbox – please support compensation for wind-up victims
October 2006
read the article

Article published in Pensions Management Institute (PMI) magazine, calling for the pensions industry to support the campaign for compensation for those affected by wind-up.


Ignoring the Ombudsman – Government worse than Maxwell
October 2006
read the article

Article by Peter Humphrey explaining why the G overnment must accept the verdict of its own Ombudsman and the Parliamentary Select Committee and restore pensions to the victims of scheme wind-ups. Published in Parliamentary Brief October 2006, Vol 10, No. 10.


Speech at Labour Party conference demo Manchester
27 September 2006
read the article

Speech given by Ros at a press meeting after ‘Stripped of our Pensions’ demonstration for the 4th year running at Manchester Labour Party Conference, calling on Gordon Brown to show he has decent values and sort this issue out properly.


Press release announcing ‘Strippers’ demo in Manchester
26 September 2006
read the article

Announcement of ‘Stripped of our Pensions’ demonstration at Manchester Labour party conference and asking how we can expect Gordon Brown to be trusted to introduce a new constitution, when he has not upheld our old one.


Michael Eaglestone lost his pension because he trusted the Government
September 2006
read the article

Explanation of how Government false assurances of pension protection and unfair rules of wind up have left Mr. Eaglestone – now 65 years old and suffering from cancer – without any pension after 34 years work and contributions in his ‘safe’ scheme.


Radio 4 ‘Today’ programme – Mr. Purnell misleads listeners
2 August 2006
read the article

Ros critiques Pension Reform Minister, James Purnell’s interview on Radio 4’s ‘Today’ programme, where the Minister tries to reassure listeners that the Government is dealing with the wind-up situation.


Q & A – how Government caused the injustices of wind-up
August 2006
read the article

Brief question and answer crib to explain why Government is responsible for the injustices suffered by members of winding up pension schemes, as highlighted by the PASC and Parliamentary Ombudsman reports.


Why this scandal is worse than Maxwell
5 August 2006
read the article

Note comparing the Government's treatment of the 32,000 Maxwell pensioners in 1992, with the treatment of the 100,000 or so pensioners from winding up schemes between 1997 and 2006.  Their plight is far worse than the problems caused by Mr. Maxwell's plundering of his scheme's assets.


Money Marketing article on fight for compensation
August 2006
read the article

Article published in Money Marketing magazine, on 2nd August 2006, highlighting the various pressures on Government to comply with the Parliamentary Ombudsman report and also the European Court ruling, calling for full compensation for those who have lost their pensions.


Press release welcoming the PASC report
29 July 2006
read the article

Press release issued after release of the Public Administration Select Committee report, which is strongly critical of Government and calls for urgent compensation to be paid, including to those whose employers are still solvent.


Presentation to backbench MPs on Government responsibility for wind-up losses
11 July 2006
view PowerPoint presentation (pdf 128kb)

Presentation handout given to MPs at a meeting of backbenchers to discuss the Government’s rejection of the Parliamentary Ombudsman report and explaining why this rejection is wrong.


Trust and pensions – MP briefing on Parliamentary Ombudsman report
11 July 2006
view PowerPoint presentation (pdf 119kb)

Presentation given to a group of backbench MPs explaining the background to the pension losses on scheme wind-ups and the flaws in the Government’s rejection of the Ombudsman’s report.


Why John Hutton’s defence of his rejection of Parliamentary Ombudsman report is wrong
8 July 2006
read the article

Response to John Hutton’s attempts to justify his rejection of the Parliamentary Ombudsman’s report, explaining why the Secretary of State’s case does not hang together.


Critique of John Hutton’s response to Ros’ open letter in Daily Telegraph
8 July 2006
read the article

Ros critiques the fallacies in John  Hutton’s reply to her Open Letter in the Telegraph.  She explains the flaws in Mr. Hutton’s arguments and shows how the Government needs to rethink its stance.


Open Letter to John Hutton published in Daily Telegraph – How do you sleep at night?
1 July 2006
read the article

Open letter to Secretary of State for Work and Pensions, John Hutton, pointing out the errors in his evidence to the Public Administration Select Committee and criticising the Government’s heartless and shameful treatment of the victims of pension scheme wind-ups.


Government bullying victims of pension wind-ups
July 2006
read the article

Press Release highlighting the Government’s shameful attempts to frighten pension wind-up victims into dropping the Judicial Review and also trying to exclude tens of thousands of people from any successful outcome of the European court case.


How compensation can be funded - latest suggestions
July 2006
read the article

Ros suggests various ways in which the Government could organise compensation for those who have suffered losses as a result of scheme wind-ups - the Government does not have to fund it all from taxpayers’ money.


Judicial Review of Government’s unlawful and irrational rejection of Parliamentary Ombudsman report
14 June 2006
read the article

Press Release announcing the launch of a Judicial Review against the Government claiming its rejection of the Parliamentary Ombudsman’s report is both illegal and irrational.


Claim submitted to High Court for Judicial Review
12 June 2006
read the article (PDF, 272kb)

Document submitted to High Court outlining the case for Judicial Review of the Government’s unprecedented rejection of both the findings and recommendations of the Parliamentary Ombudsman’s report.


Financial Adviser comment – scandalous attempts by Government to deny occupational pension policy errors
8 June 2006
read the article

Article published in Financial Adviser giving criticising the Government’s attempts to squirm out of taking responsibility for occupational pensions policy errors, despite the Parliamentary Ombudsman’s report showing its guilt in this affair.


Critique of Governments final response to Parliamentary Ombudsman report
June 2006
read the article (pdf, 249kb)

Ros highlights why the full, final response to the Parliamentary Ombudsman’s report is flawed, going through the full response and highlighting where the arguments are not correct.


Continued injustice of Financial Assistance Scheme – even after extension
June 2006
read the article

Note explaining why the announced ‘extension’ of the Financial Assistance Scheme is little more than a public relations exercise, designed to buy backbench silence, rather than helping those who have lost their pensions.


Initial reaction to Government’s final response to Parliamentary Ombudsman report
June 2006
read the article

Ros comments on the full, final response, presented in the House of Commons by John Hutton, outlining more details about the Government’s reasons for rejecting the Parliamentary Ombdusman’s report.


Evidence submitted to PASC inquiry
June 2006
read the article (pdf, 127kb)

Papers submitted by Ros to the Commons Public Administration Select Committee, ahead of her evidence to the inquiry.


Letter to Professional Pensions calling on Government compensate victims of scheme wind-ups
June 2006
read the article

Letter published in Professional Pensions magazine, calling on the Government to compensate victims of scheme wind-ups urgently.


Continued injustice of Financial Assistance Scheme – even after extension
June 2006
read the article

Note explaining why the announced ‘extension’ of the Financial Assistance Scheme is little more than a public relations exercise, designed to buy backbench silence, rather than helping those who have lost their pensions.


Why the Financial Assistance Scheme is so inadequate
June 2006
read the article

Ros explains the shortcomings of the Financial Assistance Scheme - even after the announcement of ‘extensions’ to the coverage.


Critique of John Hutton’s evidence to PASC
June 2006
read the article

Ros highlights the factual errors and misleading statements made by Secretary of State for Work and Pensions John Hutton, in his evidence before the Public Administration Select Committee.


Why extension to FAS is spin, not reality
June 2006
read the article

Paper prepared for Parliamentary Work and Pensions Select Committee explaining the inadequacies of the announced extensions to the Financial Assistance Scheme.


LibDem MP briefing on Parliamentary Ombudsman report
23 May 2006
view PowerPoint presentation (pdf 74kb)

Presentation given to LibDem MPs explaining the background to the Parliamentary Ombudsman report.


Press Release announcing Parliamentary Ombudsman’s verdict
May 2006
read the article

Press Release welcoming the Parliamentary Ombudsman’s report and hoping that Government will comply with the recommendations.


Appeal to EU Parliament Petitions Committee
25 April 2006
view the presentation (pdf 80kb)

Presentation given to Petitions Committee of European Parliament in Brussels, on behalf of Maurice Jones, who lost his entire company pension in 1997 when his company scheme started wind-up.  The presentation explains how the UK Government has broken EU law and what has happened to Mr. Jones’ pension.


Critique of Government’s initial reasons for rejection of Parliamentary Ombudsman report
April 2006
view PowerPoint presentation (pdf, 225kb)

Ros explains why the reasoning used by the Government for rejecting both the findings and recommendations of the Parliamentary Ombudsman’s report is flawed, and explains why the Government is, indeed, responsible for this injustice.


Press Release about Judicial Review and European Challenges
April 2006
read the article

Press Release announcing that the Pensions Action Group will challenge the Government both in the UK and European Courts.  The Govenrment faces a Judicial Review of its rejection of the Parliamentary Ombudsman’s report and a challenge in the Petitions Committee of the European Parliament.


European Parliament – explanation of case for Petitions Committee
April 2006
read the article

Ros’ comments on the European Parliament Petitions Committee case background, explaining why the UK Government’s description of pension protection is flawed.


Appeal to European Parliament Petitions Committee to force Government compensation
April 2006
read the article

Ros accompanied Mr. Maurice Jones to the European Parliament Petitions Committee, in April 2005, to ask for their help in recovering the pension he lost when his company failed in 1997 and this is the briefing paper she prepared for his case.


Examples of how loss of final salary pension on wind-up has devastated people’s lives
April 2006
read the article

Case study examples of the devastating effect of losing a final salary pension, which had always been described as ‘safe’, ‘protected by law’ and ‘guaranteed’. 


Daily Mail ‘Monday View’ column – Ministers’ great pensions betrayal
April 2006
read the article

Article published by Daily Mail explaining how the Government’s rejection of the Parliamentary Ombudsman report has betrayed the nation and undermined pensions confidence still further.


House Magazine ‘Assurances that final salary pensions will be protected by legislation are threadbare – forked tongues on funds’
27 March 2006
read the article

Article published in the Commons ‘House Magazine’ explaining how, despite Government assurances to the contrary, final salary pensions were not properly protected by legislation and how the Government’s rejection of the Parliamentary Ombudsman report is unsustainable.


Pension wind-ups scandal worse than Maxwell
23 March 2006
read the article

Professional Pensions piece published on 23rd March 2006, outlining Ros’ views of the Parliamentary Ombudsman report and Government’s rejection of it.  Explains why this situation is worse than the Maxwell scandal.


85,000 broken promises - Plea in Commons meeting ahead of Ombudsman report
14 March 2006
read the article

Speech given by Ros at meeting held in House of Commons ahead of release of Parliamentary Ombudsman’s report, calling on Gordon Brown to agree to compensate and rectify the broken promises made to at least 85,000 citizens who have been robbed of their pensions.


Press Release welcoming Parliamentary Ombudsman report
14 March 2006
read the article

Press Release announcing Ros’ reaction to the Parliamentary Ombudsman’s report and welcoming the findings and recommendations.


Selected quotes from Parliamentary Ombudsman report
March 2006
read the article

Some of the important quotes which show clearly how the Government is guilty of misleading the public into believing their pensions would be safe in their employer's final salary scheme and that Government should compensate for this maladministration.


Summary of some of the main findings of Parliamentary Ombudsman report
March 2006
read the article (pdf, 106kb)

Highlights of the evidence and findings of the Parliamentary Ombudsman report ‘Trusting in the pensions Promise’.


Timeline of events in wind-up disaster
March 2006
read the article

A timeline of the events since the 1990’s which led to the injustices suffered by the 85,000 or more victims of pension scheme wind-ups, showing clearly how Government must bear the responsibility.


Money Marketing article – restoring confidence in pensions
March 2006
read the article

Article printed in Money Marketing asking how Government can hope to restore confidence in pensions, if it ignores the Parliamentary Ombudsman report and refuses to acknowledge its mistakes in handling final salary pensions.


Evidence to Parliamentary Ombudsman inquiry prepared on behalf of complainants
February 2006
read the article

Ros’ evidence submitted to Parliamentary Ombudsman inquiry on behalf of all those who have lost their pensions on scheme wind-up.


Paper presented on behalf of pension wind-up victims at meeting with John Hutton
29 January 2006
read the article

Notes prepared for meeting with Secretary of State for Work and Pensions, John Hutton, when workers who have lost their pensions on scheme wind-up met him to explain how they were misled by the Government and could have protected their pensions if they had known the truth.  Also criticising the FAS.


Plea to Gordon Brown to remember social justice
September 2005
read the article

Article written for Birmingham Evening Post following Labour Party Conference, asking the chancellor to remember social justice for victims of pension scheme wind-ups.


Article for Engaged Investor on FAS inadequacies
May 2005
read the article

Article published in 'Engaged Investor' explaining why Government announcements on the Financial Assistance Scheme do not remedy the injustices suffered by wind-up victims.


Response to Government consultation on FAS regulations
May 2005
read the article

Ros's response to the DWP consultation paper on regulations for the Financial Assistance Scheme - explaining why it is hopelessly inadequate.


Compensation for wind-up victims, not 'Assistance'
21 March 2005
view the presentation (pdf 53kb)

Presentation for Pensions Summit at House of Commons, 21st March 2005, outlining the need for Government to agree proper compensation for victims of scheme wind-ups


Press Release welcoming update on Parliamentary Ombudsman investigation
March 2005
read the article

Press Release welcoming the update from the Parliamentary Ombudsman that the investigation into Government maladministration of occupational pensions is proceeding well and expecting the final report in July.


Pensions Week article on unfairness of FAS announcements
March 2005
read the article

Article published in Pensions Week explaining why the Government proposed Financial Assistance Scheme is wholly inadequate and expressing the hope that the Parliamentary Ombudsman investigation will prove Government maladministration means the need for compensation, rather than assistance for wind-up victims.


Financial Adviser feature on Financial Assistance Scheme
March 2005
read the article

Feature article published in Financial Adviser explaining why the Financial Assistance Scheme is inadequate and outlining hopes for the Parliamentary Ombudsman inquiry to rectify the injustices suffered by victims of pension scheme wind-ups.


FAS announcements need clarification
March 2005
read the article

Description of DWP announcements on the Financial Assistance Scheme and explanation of the many issues still requiring clarification for victims.


The Times letter urging compensation for wind-up victims
January 2005
read the article

Letter published in The Times, praising Patience Wheatcroft's sympathy for the plight of victims of pension scheme wind-ups and the urgency of Government compensation.


LIMERICK about FSA 'guarantees'
January 2005
read the article

Ros wrote a limerick to highlight the FAS double standards in trying to deny that its use of the word 'guarantee' in its public information description of final salary schemes could have misled anyone.


Press Release welcoming NAPF support for improved FAS
January 2005
read the article

Press release welcoming NAPF's open letter to the Secretary of State for Work and Pensions, supporting Ros's calculations of inadequacy of the Financial Assistance Scheme and fears for the future of the Pension Protection Fund.


Article in The Times on Financial Assistance Scheme empty promises
December 2004
read the article

Article published in the Times explaining why the Financial Assistance Scheme may sound good, but it is not able to deliver meaningful help to the majority of victims of pension wind-ups and calling for proper compensation to be paid.


Why winding-up schemes should not buy bulk annuities
December 2004
read the article

Note prepared for DWP explaining why assets of occupational schemes in wind-up should not be used to buy annuities, but should be pooled, as will be the case for the PPF, to minimise costs of assistance and maximise potential pensions for victims.


Press Release welcoming launch of Parliamentary Ombudsman investigation
November 2004
read the article

Press Release welcoming the launch of a formal investigation by the Parliamentary Ombudsman into Government maladministration of occupational pensions and claims for compensation by victims of occupational scheme wind-ups.


Press Release on FAS inadequacy
November 2004
read the article

Press release explaining why proposals for the Financial Assistance Scheme are inadequate and could help only a few hundred people, if annuities must be bought, rendering it a virtually empty gesture to rectify a huge social injustice.


Why the £400m Financial Assistance Scheme is inadequate
November 2004
read the article

Note explaining why the Government's proposed £400m Financial Assistance Scheme is wholly inadequate and cannot rectify the injustices suffered by wind-up victims.


DWP figures for wind-up victims
September 2004
read the article

Press release discussing of figures released by the DWP, showing its estimates of numbers of people potentially eligible for the Financial Assistance Scheme.


Parliamentary Ombudsman submission - Complaints of Maladministration
September 2004
read the document (pdf, 241kb)

Document prepared for Parliamentary Ombudsman, listing the detailed complaints of maladministration of occupational pensions by various Government departments. She is being asked to investigate these complaints, with a view to recommending compensation for the victims.


Guide to filling in Parliamentary Ombudsman complaint form
September 2004
read the document (pdf, 34kb)

Guide to help members who have lost their pensions fill in the Parliamentary Ombudsman official complaint form. Instructions as to which sections to fill in, what evidence to submit and a copy of the form.


When the FSA says ‘guarantee’ it doesn’t mean a guarantee
August 2004
read the article

Press release explaining that the FSA refuses to accept any responsibility for telling members of final salary schemes that their pensions were guaranteed, when in fact they weren’t. It criticises the double standards apparently being used by the Regulator.


When is a guarantee not a guarantee? When the FSA says so.
August 2004
read the article

Paper explaining double standards of the FSA, when using word ‘guaranteed’ in its own literature, to describe final salary pensions which were not guaranteed at all.


Government failed to listen to Actuaries' warnings, must now compensate
August 2004
read the article

Article published in ‘The Actuary’ magazine, entitled ‘The Truth about Pensions’ explaining how the Treasury failed to listen to the Actuaries’ warnings about pension scheme wind-ups in 2000 and why compensation from the Government is essential in order to restore confidence in pensions.


Press release discussing problems for members of Turner and Newell pension scheme
July 2004
read the article

Press release discussing the problems for T & N pension scheme members and the inadequacy of the Government’s £400 million Financial Assistance Scheme.


Why Government should encourage schemes in wind up not to buy annuities
June 2004
read the article

Note for DWP, explaining why Government should ask schemes in wind-up to delay buying annuities, in view of the lack of supply, poor rates and possibility of pooling all the assets to organise compensation more cheaply on an ongoing basis.


Letter explaining my role in the campaign for compensation
June 2004
read the article

Letter published in Money Marketing magazine in June 2004, explaining why I believe that Government must compensate and my role in helping pro-bono, not as any kind or paid lobbyist.


Pensions and Compensation article
Summer 2004
read the article

Article published in Public Service Review: Finance, Summer 2004, arguing the case for compensation for those who have suffered the injustice of losing their company pension on scheme wind-up.


Comments on official figures estimating numbers affected by scheme wind-ups
May 2004
read the article

Comments on the initial figures released by the DWP, estimating numbers affected by winding up pension schemes, who have lost most of their pensions.


How to introduce a Financial Assistance Scheme
May 2004
read the article (pdf, 51kb)

Practical suggestions as to how to organise a compensation package for workers who lost their pensions on scheme wind-up. This could be a model for the Financial Assistance Scheme, if it has more money.


Article for PMI Magazine ‘Support for Compensation’
June 2004
read the press release

Article for Pensions Management Institute magazine, which discusses why compensation should be paid and asking for support from the Pensions Industry for this principle, in order to restore some confidence in pensions.


Press Release Calling on Government to Increase Assistance from £20m to £75m
May 2004
read the press release

Press release calling on Government to add to the £20m a year which they have so far agreed to pay to ‘assist’ members who have lost their employer pensions.


Press Release Calling for Parliamentary Ombudsman to Investigate Treasury and FSA
May 2004
read the press release

Press release announcing that members of final salary schemes who have lost their pensions will ask their MP’s to request an investigation by the Parliamentary Ombudsman into claims of maladministration by the Treasury, FSA and DWP, who assured members that their pensions were guaranteed and safe and have not offered sufficient compensation to make up for their losses.


Important Q & A about Compensation
May 2004
read the note

Note outlining how and why Government funded compensation should be organised.


Letters in Financial Times Regarding FSA Calling Employer Pensions ‘Guaranteed’
May 2004
read the article

Exchange of letters published in the FT on 15th May and 22nd May, regarding the Financial Services Authority’s attempts to justify wrongly telling members of employer schemes that their pensions were ‘guaranteed’, and failing to warn of the risks.


Revised Estimates of Compensation Costs, April 2004
April 2004
Read the article

New estimates of costs of compensation for victims of pension scheme wind-ups, based on figures from independent trustees and small insured schemes.


Official Quotes Showing How Members Were Misled
March 2004
Read the article

Examples of quotes from official documents which misled members into believing their pensions were safe.


Security of Occupational Pensions – What’s Gone Wrong?
March 2004
view PowerPoint presentation (pdf 261kb)

Presentation given at Pensions Management Institute Spring conference, 11th March 2004, discussing the case for compensation and asking PMI members to support this cause.


Press Release Calling for Compensation and Highlighting Case Studies
February 2004
read the press release

Press release ahead of Parliamentary debate on pensions, to call for the Government to compensate those who lost their pensions. This also includes case study examples of how the situation has affected the victims’ lives.


First Research Estimates of Compensation September 2003
January 2004
read the article (pdf 66kb)

Original research to try to establish likely numbers of people affected by pension wind ups and potential maximum costs of compensation.


Pensions Summit Presentation Outlining Compensation Proposals
November 2003
view the presentation (pdf 228kb)

Presentation given at the ‘Pensions Summit’ at House of Commons on 4th November 2003, explaining why and how Government should compensate members of employer final salary schemes who have lost their pensions on insolvency.


Victory for Employees of Maersk – Wake up call to trustees
November 2003
read the press release

Press release issued in reaction to the surprise decision by the Maersk parent company to agree to honour its pension commitments to scheme members in full, even though the law does not require this. This is a ‘wake up call’ to trustees and members to ensure they put proper pressure on other employers to do the same.


Compensation for Lost Pensions - Labour Party Fringe Event
October 2003
view the presentation (pdf 59kb)

Presentation at Labour Party Conference in Bournemouth organised with Pensions Action Group to highlight and explain the problems of people who have lost their pensions when their employer became insolvent, and the case for Government to compensate them.


Support for Legal Action by Unions Against Government
October 2003
read the press release

Press Release issued on November 2nd 2003 to support union legal action against the Government, issuing a writ claiming compensation for ASW workers who have lost most of their pensions on the insolvency of their employer’.


Compensation is Urgent - Pensions Week
October 2003
read the article

Article published in Pensions Week in November 2003 explaining the case for urgently agreeing compensation for workers who have lost their pensions in final salary schemes.


Response to Patience Wheatcroft comments on compensation for victims of wound-up schemes
September 2003
read the letter

Comments in response to a column by Patience Wheatcroft in The Times, in which she cast doubt on the merits of the case for compensation.


The Case for Government Compensation for Insolvent Employer Pension Victims
August 2003
read the paper

A brief paper outlining why and how the Government should compensate members of insolvent employer’s pension schemes, when they have lost their promised pensions.


© Dr. Ros Altmann  |  Home  |  Profile  |  Disclaimer