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Steve Webb, pensions minister, will be meeting with the Pensions Regulator and industry representatives to make his feelings known about the practice of pension transfer incentives. Mr. Webb is said to be concerned about the service, which finds employees are offered large cash sums to transfer from their final salary pension schemes to defined contribution plans, and could look into banning the practice.

The Pensions Regulator has warned in the past that what amounts to tricking members into giving up inflation proofing and other valuable pension rights is a dangerous game. In 2007, 2008 and 2009 they issued guidance to trustees of pension schemes, making it clear that Transfer Incentive Schemes were not something they would advocate.

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The main problem is that companies are trying to get rid of some of the running costs of expensive pension schemes and employees are the ones paying with their futures. In many cases, they don’t understand what they are undertaking, and may not comprehend fully the implications of what could initially seem to be a good deal, Mr. Webb pointed out to the BBC that ‘if people are giving up good pension rights, at a price that isn’t ultimately fair to them that is not acceptable.’

Unfortunately, there is little that the government can actually do if employers decide they would like their workers to swap pension schemes. The practice is not illegal and trustees are helpless to oppose if offers made are outside the regulations of a scheme.

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Incentives can be disguised in different packages, from straight cash payments to moving deferred pensions somewhere else, or employees could be persuaded to give up their inflation proofing in favour of cash offers or enhanced pensions. Mr. Webb commented that these changes can look like a better deal when proposed as a cash lump sum, but ‘people forget they will be retired for 20 or 30 years – compound interest means their pension could fall by a quarter or more if they give up inflation protection.’ He makes clear his worry about people being offered ‘superficially attractive deals’ against what may be best for their situation, and spoke of the urgent need to ‘root bad practice out of the market’, to stop people making the wrong decisions. The Pensions Regulator has agreed that there aren’t many workers who are totally clear on what their choices entail, saying that, without help, people are struggling to understand their options.

Are you looking for details on your pension? Use our pension calculator for details on how much you could be entitled to in your retirement.

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If you’re having trouble paying your bills and are considering extreme measures, you’ve probably heard about debt relief. If you’re seeking credit card debt assistance, you should first research the truth about debt relief.

There are several common misconceptions regarding debt relief:

- Only homeowners can qualify for debt relief.

There is no loan involved for a debt relief program, so it has nothing to do with your ability to put up collateral. Homeownership is not a factor in debt relief.

- Debt relief is a debt consolidation process, and will result in lower interest payments.

People that believe this are confusing the services of a credit counseling agency with debt relief. Debt relief involves a negotiation or settlement of your debt, which means the total amount you owe will be lower. A consolidation will simply lump your balances together, and will mean you’re still paying back the same amount as was originally owed.

- Debt relief has no impact on your credit score.

Your FICO credit score should not be impacted by debt relief programs, but lenders will still see your credit history and make assumptions based on the contents. You enrollment in a debt relief program is apparent on your credit report, and many lenders view the listing as negative as a Chapter 13 bankruptcy filing.

- Any lowering of credit score due to debt relief is permanent.

Nothing, not even a bankruptcy, will permanently ruin a person’s credit. While debt relief enrollment will be reflected in your credit report for seven years, you don’t have to wait that long for your credit score to start to recover. Paying your balances on time and paying extra whenever you can will help boost your score in the meantime. Additionally, limiting debt while you pay down your balances will bring your score up.

Credit card debt assistance is available, but do your homework before you enroll in a debt relief program. Keep in mind that debt relief will have a negative impact on your credit rating, but that negative impact is a temporary one. Responsible use of credit in the future will help you boost your credit score.