Robbed of our pensions and our futures

#1
How many of you are actually aware that as we speak, the Government are to steal from each and every one of you who have served your country and earned your pension tens of thousands of £s because they are to change the way the annual increase is worked out? Currently, annual pension increases are worked out based on the Retail Prices Index (RPI) (traditionally higher), but, from April 2011, these increases are to be linked to the Consumer Prices Index (CPI) (does not take into account Mortgages). I just like thousands of other soldiers, sailors and airmen have done my time plus some more and now they have decided to change the goal posts. I stayed in and I am still in because of the pension, not because I like being institutionalised.

Let us keep what all the brochures said e.g. Offer to Transfer Booklet J222936 03/05, instead of giving us the Queen's Shilling only to take it back and replacing it with sixpence......If you've served, the changes will probably affect you, and you will lose money.

For me integrity is important; if you promise something to a person, you keep that promise and give it to them. The next person to come along does not necessarily have to get the same deal, this is the way life is. I was promised something, and I want it in the same form I had become used to expecting I would receive it. I honoured my side of the agreement, will they honour theirs? I doubt it.

It's been a few weeks since I wrote to the PM, arguing that we (Armed Forces) ought to retain our pensions linked to the Retail Prices Index and not the Consumer Prices Index. Although I have received acknowledgement of receipt and an assurance that I will receive a reply, I am still waiting. I will try and get it scanned and published if it ever materialises, and I may even scan my letter to him and hopefully publish that if possible.

I have received a reply from my MP with the reply letter from the Minister for Work and Pensions. Apparrently only 7% on pensioners have a mortgage, one of the reasons they decided to opt for the CPI which does not take into account mortgage inflation. Well, what proportion of this 7% happen to be Armed Forces pensioners?

I shall be next year, aged 43, forced into possible unemployment because the option to remain serving is not there for me like many others. Perhaps if enough of us actually give a shit, and took action he (Cameron) may have second thoughts. Wake up people, if you are entitled to an Armed Forces pension you are going to lose tens of thousands of £s over your lifetime. What realy annoys me is that it seems many of you either don't know this is to happen, or don't give a damn. Please start to take some action NOW before it is too late, we are getting Royally bent over and buggered without so much as a spot of lube. April is nearly here and the change happens then.

Get writing to your MP, or even the PM. It is your right and they can't make you pregnant!!! .
 
#4
I shall be next year, aged 43, forced into possible unemployment because the option to remain serving is not there for me like many others.
Not noticed that when you signed on?

Perhaps if enough of us actually give a shit,
What do you think the point of military discipline and training is? Subservience and apathy, if anyone cares they will be to scared to say anything

Please start to take some action NOW
What do you suggest and how would that make a difference. You have had your FO tablet from your MP.

April is nearly here and the change happens then.
Just as night follows day it will happen.


I'm with Paymaster here.
 
#7
No I have'nt just noticed Paymaster. And I will not suck it up like SOME of the rest of the country. And I will keep fighting for that which I was promised. If you want to just roll over and get screwed, then be my guest.
 
#8
No I have'nt just noticed Paymaster. And I will not suck it up like SOME of the rest of the country. And I will keep fighting for that which I was promised. If you want to just roll over and get screwed, then be my guest.
What are you going to do? Down tools? Form a picket line?
 
#9
I, along with others foresaw this happening many years ago. False promises and talk of military covenants didn't wash with me. That is why I went down the RQMS route, fiddling the books, stockpiling 'gucci' kit then selling it all on Ebay for a massive profit. That along with the theft of military fuel and rations will support me when I'm retired. Cheers easy.
 
#10
Very old news

According to me old man (ex crab but you cant hold everything against him)

He was due a lump at 60 then a pension starting at 60 ; scroll forward a few years no lump and the pension starts at 65 and he is not unique in this .
 
#11
Don't you just love the "suck it up and take it like a man, we all have to share the pain" Brigade. Frankly unless you happen to have made a pile of money in your life, your pension is all you have left in your old age. The Government is wrong to mess around with pensions just the same as the last one was wrong to allow private pensions to be plundered. Although most ARRSERS will be looking at their service pension, it's not just service pensions either. Why should anybody work for a lifetime knowing that they will get X amount only to find as they near the day when they will have to rely on it for their living, it's been considerably reduced.
 
#12
Don't you just love the "suck it up and take it like a man, we all have to share the pain" Brigade. Frankly unless you happen to have made a pile of money in your life, your pension is all you have left in your old age. The Government is wrong to mess around with pensions just the same as the last one was wrong to allow private pensions to be plundered. Although most ARRSERS will be looking at their service pension, it's not just service pensions either. Why should anybody work for a lifetime knowing that they will get X amount only to find as they near the day when they will have to rely on it for their living, it's been considerably reduced.
So? What do you suggest other than putting up with it?
 
#13
So? What do you suggest other than putting up with it?
I would suggest the Government take another look at the books and think again. I happen to have been talking to a couple of housing benefit officers in the last week who were able to point out to me, a layperson, the enormous industry that has sprouted up over the years to get their hands on this free money. People are running classes on how to do it, FFS.

When you get into the detail, there is scope there to change the rules and stop the abuse. They will save billions. Hey, might be able to afford the pensions if they did that. That's targeting benefit thieves and letting people approaching pensionable age keep their livelyhood that they will rely on when they need every bit of their pension that they get. If I can chat to a couple of guys in my local pub and get an idea of how to tackle it, how come Mr Duncan Smith and Mr Cameron don't get it?
 
#14
Of course I'm not, that's called mutiny, however I shall voice my opinion, and not roll over like a good little puppy. At least I am willing to do something about it. What are you prepared to do? Me, I shall write as many letters as I need to, to as many people or organisations that I need to, and, just as I am now, I shall increase awareness in others of this Government sanctioned injustice. I have worked for the pension I was promised, and I want what is owed me. And please stop taking the piss, it's not big and it's not clever.
 
#16
Now then you two revolutionaries, what are you going to do to reverse this Government decision?

1. Get really, really miffed.
2. Get a little angry.
3. Write some letters.
4. Get a bit angrier.
5. Sign an online Petition.
6. Talk to some random bloke down the pub.
7. Posty angry thoughts on the internet.

Are you beginning to see a pattern here?
 
#17
How many of you are actually aware that as we speak, the Government are to steal from each and every one of you who have served your country and earned your pension tens of thousands of £s.................
The change to pensions was first announced in the June 2010 emergency budget. This was implemented by the Finance (No 2) Act 2010 which received Royal Assent on 27 July 2010 and states:
1.106 The Government will use the CPI for the price indexation of benefits and tax credits from April 2011. The CPI provides a more appropriate measure of benefit and pension recipients’ inflation experiences than RPI, because it excludes the majority of housing costs faced by homeowners (low income households are subsidised separately through Housing Benefit, and the majority of pensioners own their home outright), and differences in calculation mean it may be considered a better representation of the way consumers change their consumption patterns in response to price changes. This will also ensure consistency with the measure of inflation used by the Bank of England. This change will also apply to public service pensions through the statutory link to the indexation of the Second State Pension. The Government is also reviewing how the CPI can be used for the indexation of taxes and duties while protecting revenues.
The The Forces Pension Society has links to various on going campaigns to lobby government to implement change.

It is somewhat ironic that under the headline of “Responsibility, freedom, fairness: a five year plan to re-build the economy” the government has broken pledges to uphold the military covenant to former and current servicemen/women and war widows/widowers.

Although my letter was submitted in July 2010 to my MP, one only has to look at the actions by the government and the MoD freezing pay, reducing or scrapping allowances, reduction in force size and capability inter alia to realise that this campaign will unfortunately fall upon deaf ears.
 
#18
Now then you two revolutionaries, what are you going to do to reverse this Government decision?

1. Get really, really miffed.
2. Get a little angry.
3. Write some letters.
4. Get a bit angrier.
5. Sign an online Petition.
6. Talk to some random bloke down the pub.
7. Posty angry thoughts on the internet.

Are you beginning to see a pattern here?
Wow, what a contribution. A really serious answer.

Not a lot of point with you, is it?
 
#19
This is a transcript of the letter i recently posted to the PM. I have since received correspondence from his office stating that he shall reply. I am still waiting:
xxxxxxxxxxxxxxxx
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Prime Minister
10 Downing Street
London
SW1A 2AA Friday 17 December 2010

Dear Sir

I am xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx, a serving soldier in the British Army, I have served more than 22 years Colour Service as a member of the xxxxxxxxxxxx, and completed operational tours of the xxxx, xxxxxxxxand a number of tours in the xxxxxxxxxxxxxxxxxxx.

I am writing to you regarding the proposed changes to Public Sector pensions and in particular to changes to the Armed Forces Pension with respect to the change from RPI to CPI for determining the annual pension increase for members of the Armed Forces. I feel that I and thousands of other serving and retired Service personnel are to unfairly lose out on the financial future we were promised.

Frankly I am angry as well as very upset by your decision, particularly as it is going to detrimentally affect my pension, and which is going to badly affect my ability to pay my mortgage and care for my family. After I had served 11 or so years, I became what we often refer to as a "Pension Prisoner", that is to say, it would not be worthwhile leaving the Service with a mere few years to go before reaching my 22 (years) point, the day after which I can leave the Army, aged 42, draw my pension and seek a new career which, realistically would mean a drop of at least £10,000 in annual salary if I'm lucky. And, so, I decided to serve the full 22 years (now extended to 23 years 9 months) and keep going for the sake of drawing a pension. I gave up the chance for my family and I to move into a council house, and after a few years, purchase it at a greatly reduced rate. Little did we know that the goal posts would be so dramatically moved.

My sister, a civilian bought her council house for around £23,000. I have, and will never have that opportunity. My wife has also suffered from being married to a soldier, she has had three children to bring up, often without me being home, at times for many months, and without family support so that she were able to build a decent career, nor am I able to take to the streets and protest (yet). I cannot go on strike, I can get called in to work or sent to war at a moments' notice, day or night, rain or shine and if I refuse I can get sent to military or civilian prison, I am not able to stand for parliament. I personally, like many others have no choice but to retire before I am 45 years old, I have to rely on my superiors to look after my interests as I am not able to be in a union.

I've done my time plus some more and now you have decided to change the goal posts some more. I stayed in because of the pension, not because I like being institutionalised. As it happens, I shall be leaving having had an extension to my service on 31 January 2012 with a very bitter taste in my mouth. I've been given the Queen's Shilling only to have it taken back off me to be replaced by sixpence. All pension brochures that I have seen have stated that the annual pension increase
is based on the RPI, not the CPI. This information was also used by me to make the important decisions such as house purchase, and change of pension scheme which was offered some years ago. Before I turn 55, my pension will have reduced annually, by the percentage difference between RPI and CPI, I'm not a mathematician but, I imagine that this will be cumulative.

I should be leaving the Army in the knowledge that the pension I have worked for is as it was PROMISED. I have been promised something by the Government and I want it in the form it was promised. I really feel as though I have been duped.

How much will my annual pension now be worth once I reach 55 in 2023 and it finally starts rising annually in line with inflation (CPI instead of RPI)?. We all know that the Armed Forces pension is a non contributory scheme, however, the AFPRB take into account the pension when deciding our salaries, and our salaries are abated to reflect the value of our pensions (correct me if I am wrong). This being the case, will we be seeing larger increases in our salaries to make up for what we are losing and will I be seeing 23 years of back pay? I doubt it.

I consider this decision by you to be a serious breach of the Military Covenant. In return for our service we expect the country to sustain and reward us and our families with appropriate terms of service. We are expected to make the ultimate sacrifice in your name and in return we are being treated disgracefully. We are supposed to be able to trust our leaders, and when that trust deminishes, so does the strength of the covenant.

I DID NOT CAUSE THIS FINANCIAL MESS, and I know that you did'nt either, however when I realise that you continue to give away £Billions to the EU, and in foreign aid, I get very angry. Does the amount you are giving away exceed the cost of public sector pensions? If so, by how much?
Perhaps if the mess that is welfare, immigration, membership of Europe and other idiotic schemes
Implemented by the previous Government were sorted out, myself and others that have served our country would not be made to suffer. Why should we that serve and have served be made to suffer for those that serve only themselves?

Yours sincerely





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Copy to:

George Osborne MP
Ed Miliband MP
Nick Clegg MP
Nick Griffin MEP
Nigel Farage MEP
Caroline Lucas MP
Forces Pension Society
 

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