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Many thanks to every one who commented on my post.
Tom, thanks for the links.
Roger and Barry, I will see what the CAB have to say before I involve Charlie, I think that he has enough on his plate at the moment, thanks for the suggestion though.
Peter, thanks for that, I think that I know Arthur Brown by sight although I haven't seen him for some time. I think that he used to drink in the Mogul when it was open.
Howard, my pension has nothing to do with credits, my understanding of Pension credits is that it is money paid to anyone over 60 and who is unemployed to make up their money until they reach pension age. It is a ploy to keep the unemployment figures down in my opinion. I earned every penny of my pension and never received any "so called" credits, in fact I don't think they were available in my time.
Bern, Jan and Martin, thanks for your input, as you say 12 years is a long time for an error to come to light.
I will try to get in touch with the CAB tomorrow and will let you know of any outcome.