The parliamentary ombudsman has criticised the government's handling of company pension schemes. Three members of failed pension schemes who complained to the ombudsman give BBC News their views of the report and the government's response.
DAVE BAKER, TORQUAY
Dave Baker, 62 years old, has been working at the same engineering firm in Torquay since 1965.
When the company changed hands six years ago though, the firm - still solvent - wound up its pension scheme.
That process has still not been completed and Dave and 300 other scheme members have been told to expect "significantly less" than they expected when they do retire.
The report is brilliant, we couldn't have asked for anything better. But the government's response is absolutely disgusting. There'll be absolute uproar, it's unbelievable. How on earth can they have that opinion after all the evidence taken by Ann Abraham? They are trying to avoid their obligation. The actuaries warned that the MFR was inadequate and said the government should warn the pension scheme members - no such warning was made.
PETER HUMPHREY, HEMEL HEMPSTEAD
Peter Humphrey used to work at Dexion, the company that made the well known shelving of the same name.
In 2003 it went bust and he was made redundant after working there for 39 years.
But despite expecting a pension of £18,500 a year he's received nothing and has had to go back to work as an assistant school caretaker.
The report is very damning. They are going to kick against it, but there is too much there to get away from. There's enough evidence in there to show they are guilty. I'm sure they will change their minds; it's been recommended on grounds of maladministration. They've done it all wrong. We would expect them to pay up.
MARLENE CHESHIRE, HEMEL HEMPSTEAD
Marlene's husband David also worked at Dexion and paid into the pension scheme for 31 years.
He retired in 2004 but died last year.
As he was dying she decided to ease his worries about her future by telling him that the scheme would be bailed out, even though this wasn't true.
Now she gets by with the help of just £20 a week she is receiving from the Financial Assistance Scheme.
I told him on his death bed that the pension had been restored so he could die in peace. I feel very optimistic about the report, it seems very hopeful. I just wish Dave was here to read it. Gordon Brown wants to be Prime Minister doesn't he? I just hope they come up with something; they should. We are not going away. I shall carry on and on.