The 65-year-old from Hull retired on 1 January after 40 years at the Land Registry.

He should have received a lump sum shortly afterwards but has received no information at all about his retirement package.

Steve said he made numerous attempts to contact the administrators, including spending nearly 15 hours on the phone on hold.

“We’ve got no money, and we’ve got lots of financial commitments.

“We need to pay off car loans and make mortgage payments.

“We arranged to get building work done on the house, on the basis of expecting a lump sum at the start of January,” he said.

The outsourcing services firm, Capita, took over the contract in December after a lead-in time of two years. It administers pensions for public sector institutions including HMRC, the MoD, the Welsh government, the Scottish government, Transport Scotland, the Crown Prosecution Service, Defra and the Foreign, Commonwealth and Development Office.

Paul McKenna, from Liverpool, spent most of his working life working with the Inland Revenue and HMRC.

Now aged 59, he planned to retire early on health grounds, after having a heart bypass operation. He gave the required five months’ notice to start his pension, before finishing work on 30 November.

He had hoped to use his lump sum to pay off his mortgage, then live off his pension payments, but is still waiting.

“The worry has been affecting my sleep, it’s bad for my angina.

“I’m supposed to be getting married in September, but this has left me with lots of uncertainty,” he said.

When he telephoned he waited for an hour on hold before being given the message: “The building is on fire and we’ve had to evacuate.”

He said that happened twice, before getting through, only to be told his case was with the “resolutions team”.