The generator covers the most common pension disputes: incorrect benefit calculations (particularly for defined benefit / final salary schemes), delayed pension transfers, missing employer contributions, refusal to release pension benefits, survivor or dependant benefit disputes, and pension scam complaints. Each letter is structured to set out the dispute clearly and reference the relevant regulatory body.

The Pensions Ombudsman investigates complaints about occupational pension schemes and personal pensions. The Financial Ombudsman Service (FOS) handles complaints about personal pension products sold by financial businesses. The Pensions Regulator oversees scheme governance and can intervene where trustees or employers are not meeting their obligations. You should exhaust the scheme's internal dispute resolution procedure (IDRP) before escalating to the Ombudsman.

All occupational pension schemes are required by law to have an Internal Dispute Resolution Procedure. This is a formal complaints process operated by the scheme trustees or administrator. Most schemes have two stages: a first-stage decision (usually within two months) and a second-stage review if you are still unhappy (usually within two months of the first-stage decision). You must complete the IDRP before the Pensions Ombudsman will investigate.

Report it immediately to Action Fraud (actionfraud.police.uk) and the Financial Conduct Authority (FCA). Contact your pension provider to flag the situation and, if a transfer has already occurred, request it be recalled if possible. The government's pension cold calling regulations make it illegal for unsolicited calls about pension transfers or investments — if you received one, this is evidence of a scam.