I think I am being treated unfairly by my pension scheme. Can anyone help?

If you are a union member you should call on their help.

You can also approach TPAS, The Pensions Advisory Service. (formerly known as OPAS). This is how they describe themselves:

"The Pensions Advisory Service (TPAS), is an independent voluntary organisation that is grant-aided by the Department for Work and Pensions. TPAS provides information and guidance to members of the public, covering State, company, personal and stakeholder schemes. We also help any member of the public who has a problem, complaint or dispute with their occupational or private pension arrangement.

"Our service is free and is provided by a nationwide network of volunteer advisers who are supported and augmented by a technical and administrative staff based in London.

"TPAS operates a national telephone helpline on: 0845 6012923 calls are charged at the local call rate."

If you have a case TPAS will try and reach a settlement through negotiation. If this does not work then you can take your case to the Pensions Ombudsman. You will need to fill out a form that you can get from TPAS. In general you should contact TPAS before you go to the ombudsman. The difference in their roles is described here on the TPAS website