The British and Irish Ombudsman Association

The British and Irish Ombudsman Association has a website which can help to find the right ombudsman to deal with particular problems.

Phone: 020 8894 9272

e-mail: secretary@bioa.org.uk
website: www.bioa.org.uk

The Financial Ombudsman Service

The Financial Ombudsman Service may be able to help if you have a complaint you cannot sort out with your: bank, building society, financial adviser, insurance company, investment firm, stockbroker, unit trust company.

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0845 080 1800

e-mail: complaint.info@financial-ombudsman.org.uk
website: www.financial-ombudsman.org.uk

The Pensions Advisory Service

The Pensions Ombudsman expects individuals complaining to him to have consulted the Pensions Advisory Service first. They give free help and advice to people who have problems with occupational or personal pensions. They can be contacted through a local Citizens' Advice Bureau or by phone or letter at their London office.

The Pensions Advisory Service
11 Belgrave Road
London SW1 V1RB
Phone: 0845 601 2923

e-mail: enquiries@pensionsadvisoryservice.org.uk
website: www.pensionsadvisoryservice.org.uk

The Pensions Regulator

The Pensions Regulator was established in April 2005 as the new regulator of work-based pensions in the UK. It replaces the Occupational Pensions Regulatory Authority (Opra), which has ceased to exist.

The Pensions Regulator has the following main objectives:

• to protect the benefits of occupational and personal pension scheme members;
• to reduce the risk of situations arising that lead to claims on the Pension Protection Fund; and
• to promote and improve understanding of the good administration of work-based pension schemes.

In addition to the powers inherited from Opra, the Pensions Act 2004 extends the powers available to the Pensions Regulator by enabling it to adopt a proportionate, flexible and proactive approach to regulating pension schemes.

The Pensions Regulator
Napier House
Trafalgar Place
Brighton
BN1 4DW
Telephone: 0870 6063636
Textphone: 0870 2433123

Email: customersupport@thepensionsregulator.gov.uk
Website: www.thepensionsregulator.gov.uk

Financial Assistance Scheme

Financial Assistance Scheme (FAS) at the Department for Work and Pensions
The FAS is being designed to offer significant help to those people who
have lost on their pension when their final salary occupational pension
scheme wound up underfunded. In the future, compensation will be provided
through the Pension Protection Fund. The FAS is currently in development,
in consultation with interested groups including trade unions, scheme
members and the pensions industry.

website: http://www.dwp.gov.uk/fas

Pension Tracing Service

The DWP's Pension Tracing Service helps people find pension schemes they have lost touch with - for example following a change of job, or when a former employer changes name.

Pension Tracing Service
The Pension Service
Whitley Road
Newcastle upon Tyne
NE98 1BA
Telephone: 0845 6002 537

Website: www.thepensionservice.gov.uk

State pension scheme enquiries

Local offices contact details.

Phone: 0845 606 0265

website: www.thepensionservice.gov.uk/contact

Pension Protection Fund

The Pension Protection Fund was established to pay compensation to members of eligible defined benefit pension schemes, when there is a qualifying insolvency event in relation to the employer and where there are insufficient assets in the pension scheme to cover Pension Protection Fund levels of compensation.

Pension Protection Fund
Knollys House
17 Addiscombe Road
Croydon
CR0 6SR
Tel: 0845 600 2541
Fax: 020 8633 4903
Textphone 0845 600 2542

Website address: www.pensionprotectionfund.org.uk