"I read the ABAP Newsbrief No 12 with great interest. I believe that I may be one of the people of whom it says "ABAP is more concerned about those on lower APS/NAPS pensions". I would be very happy for you to use the figures relating to my pension if they help you to illustrate the problem.

I am female, born on 10 April 1953. I qualify for my state pension on 6 July 2016. I have received a state pension statement that says my State Pension will be £116.08 per week, based on 31 qualifying years. It also says that my Contracted Out Pension Equivalent (COPE) paid by my workplace scheme is estimated at £50.91 per week.

My BA APS pension is £7561.99 p.a. ie £145.42 per week. If I understand the ABAP Newsletter article correctly £50.91 of this will not be increased at all over my lifetime. That means that when I refused BA's financial inducements and opted to remain in APS I was only gaining protection against inflation for less than two thirds of my pension!

I am fortunate in that I have other savings and made other provisions for my retirement. But I can see how damaging this could be for someone who is wholly reliant on their BA and State pensions.

I will be contacting the pensions office this week to find out whether I can pay additional contributions to increase my contributions to the full 35 years. If you are interested I will let you know the outcome of that conversation. Ironically, while working, I did pay for 32 years of contributions, but in August 2007 I received a letter from the National Insurance Contributions office advising me that a new law passed on 26 July 2007 reduced the qualifying contribution years needed to get a full basic state pension for those who would reach state pension age after 6 April 2010 to 30 years . They offered me a refund of any payments I had made beyond the 30 years requirement. I accepted their offer and duly received a cheque for £101.40! I then stopped paying voluntary contributions!

I am generally sympathetic to the government's need to increase the age at which it starts paying pensions. I do, however, find the constant moving of the goalposts hard to swallow when they exhort us to plan for our old age!!"