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Pension scams come in many guises and cold calling is just one unwelcome activity that can easily target the vulnerable and lonely. 

Huddersfield-based Sandringham Financial Partners has appointed a new director of recruitment, as the firm looks to increase its adviser numbers.
Millennials are saving more and opting to stay in automatic workplace pension enrolment, new research has found.
Western Pension Solutions (WPS), the specialist pensions consultancy working with family businesses, has appointed former KPMG pensions expert Jon Sharp as a new director.
The Pensions and Lifetime Savings Association, the 1,300-member pension scheme trade association, has urged the government to speed up the implementation of its ban on pensions cold calling.
People retiring today are having to cope with a 46% drop in their pension income compared to the money they could have expected before the credit crunch.
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