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Last Updated: Thursday, 7 April 2005, 07:36 GMT 08:36 UK
Financial contacts - Pensions
If you have a question about your pension or want to know more about how pensions work, where can you get information? BBC News provides a list of contacts and sources. Website addresses are provided on the right of the screen.

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The Pensions Advisory Service (Tpas)

Opas offers information and guidance to members of the public on state, company, personal and stakeholder pensions. It also helps resolve problems, complaints and disputes.

11 Belgrave Road
London SW1V 1RB

Tel: 0845 6012923
Fax: +44 (0)20 7233 8016
Email: enquiries@opas.org.uk

Pensions Tracing Service

The Pensions Tracing Service can help find "lost" pensions. It has details of almost 200,000 UK pension schemes, and provides a tracing service free of charge.

Pension Tracing Service
The Pension Service
Whitley Road
Newcastle upon Tyne
NE98 1BA

Tel: 0845 6002 537

The Pensions Ombudsman

David Laverick
David Laverick is the Pensions Ombudsman
The Pensions Ombudsman investigates complaints and disputes about the way pension schemes are run.

The Pensions Ombudsman
11 Belgrave Road
London SW1V 1RB

Tel: 020 7834 9144
Fax: 020 7821 0065
E-mail: enquiries@pensions-ombudsman.org.uk

The Financial Ombudsman Service

Complaints about the sales and marketing of pension schemes are dealt with by the Financial Ombudsman Service.

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

Tel: 0845 080 1800
Fax: 020 7964 1001
E-mail: complaint.info@financial-ombudsman.org.uk

Citizens Advice

Request a forecast by phoning 0845 3000 168 (lo-call rate) (textphone 0845 3000 169 )

The Citizens Advice service helps people resolve their legal, money and other problems by providing free information and advice around the UK. Adviceguide.org.uk is its online service.

Citizens Advice
Myddelton House
115-123 Pentonville Road
London, N1 9LZ

Tel: 020 7833 2181 (administration only no advice available on this number) Fax: 020 7833 4371 (administration only)

To obtain advice from a local Citizens Advice Bureau, use the charity's online search facility.

Complaints Commissioner

Complaints Commissioner Sir Anthony Holland investigates complaints against the Financial Services Authority.

The Office of the Complaints Commissioner
8th Floor, City Tower
40 Basinghall Street
London EC2V 5DE

Tel: 020 7562 5530
Fax: 020 7562 5549
E-mail: ComplaintsCommissioner@fscc.gov.uk

Which? (formerly the Consumers' Association)

Which? campaigns on consumer issues and offers advice to members.

2 Marylebone Road
London NW1 4DF

Tel: 020 7770 7000
Fax: 020 7770 7600


Department for Work and Pensions

The government department responsible for benefits and pensions.

Overseas pension claims (new): 0191 218 2828 (tel); 0191 218 7280 (textphone)
Advice on transfer of pensions overseas:0191 218 7777 (tel); 0191 218 7280 (textphone)
Pension Credit application line: 0800 991234 (tel); 0800 1690133 (textphone)
General state pension advice: 0845 3013011 (tel); 0845 3013012 (textphone)
It also offers advice to consumers in England, Wales and Scotland through its Pension Service and Pension Guide websites (see links on right). People living in Northern Ireland, should contact the Social Security Agency Northern Ireland (see link on right).

Department for Work and Pensions
Correspondence Unit
Room 540
The Adelphi
1-11 John Adam Street
London WC2N 6HT

Tel: 020 7712 2171
Fax: 020 7712 2386

The Pensions Regulator

The Pensions Regulator superseded the Occupational Pensions Regulatory Authority (Opra) on 6 April 2005. Opra was created by the Pensions Act 1995, legislation introduced after the Maxwell pensions scandal.

The new Pensions Regulator was created by the Pensions Act 2004. It has wider powers than Opra and says it will take a more proactive and risk-based approach to regulation.

Napier House
Trafalgar Place

Tel: 0870 606 3636
E-mail: customersupport@thepensionsregulator.gov.uk

Inland Revenue

The Inland Revenue is responsible for the administration and collection of taxes and national insurance, including tax rules on pension savings.

Employer helpline: 0845 7143 143
Helpline for newly Self-Employed: 0845 9154515
Self Assessment helpline: 0845 9000444

Inland Revenue
Somerset House
London WC2R 1LB

Tel: 020 7667 4001

Financial Services Authority (FSA)

The FSA is the UK's financial services regulator. It oversees the marketing and selling of pensions and authorises pension scheme managers. Its remit also includes educating consumers about finance and it offers a consumer helpline and information on its website.

The Financial Services Authority
25 The North Colonnade
Canary Wharf
London E14 5HS

Tel: 020 7066 1000
Tel: 0845 606 1234 (consumer helpline)
Tel: 020 7066 1000 (consumer helpline from overseas)
E-mail: consumerhelp@fsa.gov.uk

Government Actuary's Department

The Government Actuary's Department provides actuarial advice on public sector and state pensions.

Government Actuary's Department
Finlaison House
15-17 Furnival Street
London EC4A 1AB

Tel: 020 7211 2600/2601
Fax: 020 7211 2630/2640
E-mail: enquiries@gad.gov.uk

Financial Services Consumer Panel

The Financial Services Consumer Panel provides advice to the Financial Services Authority on consumer concerns. It also assesses how far the FSA is meeting its objectives of protecting consumer interests and promoting public understanding of finance.

Consumer Panel Secretariat
The Financial Services Authority
25 The North Colonnade
Canary Wharf
London E14 5HS

Tel: 020 7066 9346
Fax: 020 7066 9711

Email enquiries@fs-cp.org.uk

Veterans Agency

The Veterans Agency is part of the Ministry of Defence. It offers help to veterans and their families. The agency administers the War Pension Scheme and provides welfare support to war pensioners and widows/widowers.

Veterans Agency
Blackpool FY5 3WP

Tel: 0800 169 22 77 Tel: +44 1253 866043 (overseas) Textphone: 0800 169 34 58 Fax: 01253 330561 E-mail: help@veteransagency.gsi.gov.uk

Financial Services Compensation Scheme

The FSCS may pay compensation if a firm that is regulated by the FSA is unable to pay claims against it.

Financial Services Compensation Scheme
7th Floor
Lloyds Chambers
Portsoken Street
London E1 8BN

Tel: 020 7892 7300
Fax: 020 7892 7301
Email: enquiries@fscs.org.uk


Age Concern

The charity offers information and advice to pensioners and lobbies the government on their behalf.

A telephone keypad
Help the Aged and Age Concern run advice lines

Age Concern England
Astral House
1268 London Road
London SW16 4ER

Tel: 020 8765 7200
Fax: 020 8765 7211

Age Concern Northern Ireland
3 Lower Crescent
Belfast BT7 1NR

Tel: 028 9024 5729
Fax: 028 9023 5497

Age Concern Cymru
4th floor, Transport House
1 Cathedral Road
Cardiff CF11 9SD

Tel: 029 2037 1566

Age Concern Scotland
113 Rose Street
EH2 3DT Edinburgh

Tel: 0131 220 3345
Tel: 0800 00 99 66 (helpline)
Fax: 0131 220 2279

Help the Aged

The charity offers advice and support to the elderly and campaigns for better treatment of older people.

Help the Aged
207-221 Pentonville Road
N1 9UZ

Tel: 020 7278 1114
Tel: 0808 8006565 (advice line)
Fax: 020 7278 1116

National Pensioners Convention (NPC)

The NPC is an umbrella body for pensioners' groups across the UK.

National Pensioners Convention
19-23 Ironmonger Row

Tel: 0207 553 6510
Fax: 0207 553 6511
E-mail: admin@natpencon.org.uk

Association of Retired and Persons over 50 (ARP)

The Association of Retired and Persons Over 50 (ARP/O50) is a campaigning organisation for seniors.

Windsor House
1270 London Road

Tel: 020 8764 3344
Fax: 020 8764 3311

Third Age Employment Network (Taen)

The Third Age Employment Network (TAEN) campaigns against age discrimination and lobbies for better employment and learning opportunities for older people.

207-221 Pentonville Road
N1 9UZ London

Tel: 020 7843 1590
Fax: 020 7843 1599 E-mail: taen@helptheaged.org.uk

The European Older People's Platform on Age (Age)

Age promotes the interests of older people in the European Union.

Rue Froissart 111
1040 Brussels

Tel: +
Fax: +
E-mail: info@age-platform.org

Occupational Pensioners' Alliance

The Occupational Pensioners' Alliance is an umbrella body for occupational pensioners' associations in the UK.

194 Whitchurch Lane

Tel: 020 8952 2838


The Association of British Insurers (ABI)

The Association of British Insurers is the trade association for the UK's insurance industry, representing around 400 companies.

Association of British Insurers
51 Gresham Street

Tel: 020 7600 3333
Fax: 020 7696 8999
E-mail: info@abi.org.uk

National Association of Pension Funds (NAPF)

The National Association of Pension Funds represents the interests of employers who offer occupational pension schemes.

NIOC House
4 Victoria Street
London SW1H 0NX

Tel: 020 7808 1300
Fax: 020 7222 7585

Investment Management Association

The Investment Management Association is the UK trade body for the investment management industry.

65 Kingsway

Tel: 020 7831 0898
Fax: 020 7831 9975

Faculty and Institute of Actuaries

The Faculty and Institute of Actuaries represents actuaries. Actuaries provide commercial, financial and prudential advice on the management of assets and liabilities of pension funds.

Institute of Actuaries
Staple Inn Hall
High Holborn

Tel: 020 7632 2100
Fax: 020 7632 2111
Email: institute@actuaries.org.uk


The Pensions Commission

The Pensions Commission was set up by the government to investigate the pensions crisis. It is chaired by Adair Turner and reports to the Department for Work and Pensions.

Pensions Commission
4th floor Adelphi
1-11 John Adam St
London WC2N 6HT

Tel: 020 7962 8641
Fax: 020 7962 8994

Pensions Policy Institute

The Pensions Policy Institute provides comment and analysis on pension policy in the UK.

Pensions Policy Institute
King's College
4th Floor, Waterloo Bridge Wing
Franklin-Wilkins Building
Waterloo Road

Tel: 020 7848 3744
Fax: 020 7848 3235
E-mail: info@pensionspolicyinstitute.org.uk

Centre for Policy on Ageing (CPA)

The Centre for Policy on Ageing was established in 1947 by the Nuffield Foundation to focus on the wide-ranging needs of older people.

Centre for Policy on Ageing
25-31 Ironmonger Row
London EC1V 3QP

Tel: 020 7553 6500
Fax: 020 7553 6501
E-mail: cpa@cpa.org.uk

The Pensions Institute

Established in 1996, the Pensions Institute, based at the Cass Business School was the first academic centre exclusively devoted to pensions in the UK.

The Pensions Institute
Cass Business School
106 Bunhill Row
London EC1Y 8TZ

UBS Pensions Research Programme

The London School of Economics' (LSE) centre for research on pension finance and policy.

UBS Pensions Research Programme
London School of Economics
Houghton Street
London WC2A 2AE

Tel: 020 7955 6301
Fax: 020 7852 3580

The National Institute of Economic & Social Research (NIESR)

The National Institute of Economic and Social Research is an independent economic research institute.

2 Dean Trench Street
Smith Square
London SW1P 3HE
United Kingdom

Tel: 020 7222 7665
Fax: 020 7654 1900 E-mail: enquiries@niesr.ac.uk


Information Commissioner

The commissioner is responsible for enforcing the law regarding data protection and freedom of information

Information Commissioner
Wycliffe House
Water Lane

Tel: 01625 545745 (Data Protection helpline) Fax: 01625 524510
Email: mail@ico.gsi.gov.uk

The Insolvency Service

The service provides information for individuals and businesses affected by insolvency.

The Insolvency Service
21 Bloomsbury Street

Tel: 020 7291 6895
E-mail: central.enquiryline@insolvency.gsi.gov.uk

Office of Fair Trading

The OFT protects consumer rights and ensures that business compete fairly

Office of Fair Trading
Fleetbank House
2-6 Salisbury Square
London EC4Y 8JX

Tel: 08457 224499 (OFT consumer enquiries)
E-mail: enquiries@oft.gsi.gov.uk

Ethical Investment Research Service

The service researches corporate behaviour and provides information to potential investors.

Ethical Investment Research Service
80-84 Bondway

Tel: 020 7840 5700
Fax: 020 7735 5323
E-mail: ethics@eiris.org

The Trading Standards Institute

Trading standards provide consumers and businesses with information on their rights.

The Trading Standards Institute
4/5 Hadleigh Business Centre
351 London Road
Essex SS7 2BT

Tel: 0870 8729000
Fax: 0870 8729025

House of Commons Work and Pensions Select Committee

Scrutinises the activities and policy of the Department for Work and Pensions, and other related bodies, including the Child Support Agency (CSA) and the Health and Safety Commission and Executive (HSE).

Work and Pensions Committee
7 Millbank
London SW1P 3JA

Tel: 020 7219 5833/5832
Fax: 020 7219 0580
E-mail: workpencom@parliament.uk

The House of Lords Economic Affairs Committee

Economic Affairs Committee
Committee Office
House of Lords
London SW1A 0PW

Tel: 020 7219 5208
Fax: 020 7219 4931
E-Mail: economicaffairs@parliament.uk

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