….and the rest of the team….


Rosalind Tosh3

Rosalind Tosh

Editor, Justice Magazine





Michael J Alford

Volunteer – Nova Scotia

I have been editing Justice since 2006 and I absolutely prize the fact that my lengthy immersion in the campaign for pension parity – its highs and lows – has only served to increase my conviction that success will indeed be achieved, and I have a profound admiration for the remarkable individuals involved in getting us there.

I came to Canada from Co. Down at the age of 24, intending to experience a six-month adventure.  Five-plus decades later, and I am still enjoying the adventure, much of it from my home in Ottawa. 

Over the course of a busy working life (and beyond), I have produced a community newspaper, penned dozens of political and healthcare-related speeches, and ghost-written a few books.  I joined CABP in 1996 after hearing from a friend that Britain might owe her a small pension when she turned 60 – and discovered (thanks to CABP) that this was true and that she could increase the amount by making voluntary National Insurance contributions during the seven-year lead-up time. 

I am a ‘forever grateful’ member of CABP, and I subsequently participated in a picket line on Parliament Hill one frigid February morning during an official visit to Canada by then-PM Tony Blair, gathered hundreds of petition signatures from around the world for formal presentation to the British High Commission, helped successfully plead the case to senior bureaucrats in Ottawa for Canadian Government financial support, contributing to the design of campaign materials for use in the UK, and served a term on the national board.  Even my Canadian husband, Lorne, got involved in the management of CABP’s membership database.

My pension has been frozen since 2003.       




I came to Canada in 1965, from Bournemouth in Dorset. I have been involved in Sales, but now I volunteer for several different organisations..






Margaret Wells - photo

Margaret & Peter Wells

Volunteers – Ontario

Gill Toll

Volunteer – Ontario

Fiona Houghton

Volunteer – Quebec

Geoff Daviies -MB

Geoff Davies

Volunteer – Manitoba

Phil Haworth - Alberta

Phil Haworth

Volunteer – Alberta

Smokey Siedel

Volunteer – Alberta

Jean Amatt - BC

Jean Amatt

Volunteer – BC









Darrylyn Chold - BC

Darrylynn Child

Volunteer – BC











Ed Stone - BC

Ed Stone

Volunteer – BC

Margaret and Peter Wells hail from Yorkshire. They emigrated to Canada in 1976 with their two young children and settled in Brampton. Peter worked as an engineer with Canron while Margaret practised physiotherapy with Peel Home  Care until Premier Mike Harris laid off all therapists in 1997. At that time, Margaret finished a degree (at age 55) at Wilfrid Laurier U. and was hired as Osteoporosis Co-ordinator at Etobicoke Hospital from 1998 – 2005.

Volunteering with CABP started in 2007 when Peter Kennan and Rosina Stoddart begged Margaret to get involved with membership recruitment which led to a stint on the Board. Meetings and British Isles Shows were high profile in those days. Peter got involved with answering queries about the British pension and volunteering has never stopped for the pair of them. In truth, Margaret would prefer to be singing with The Cardinals Choir in Brampton, or with the quartet she started, The MelloTones, as she loves to entertain in Seniors’ facilities. However, this is not an option when there’s a pandemic!

I live in Ottawa but spend summers in Val-des-Monts Quebec. I  came to Canada with my newly-wed husband in October 1968.  I lived in Beckenham , Kent, and he lived in Orpington, Kent.  We met in a pub.

I worked as a secretary/administrative assistant in engineering, law, hydro until 1988 when we opened our own business – wine and beer making supplies – and later making wine on premises.  One of our customers, Michael Balchin, asked us to promote CABP in our store and of course I joined.


CABP was a great help to me when applying for my British Pension.




I came to Canada in 1989, and originally lived in Toronto, and moved to Montreal in 1990.  I lived in the Midlands and London in the UK.

I have been involved in Health and medical services, but now I am interested in Museums and heritage societies. I also love culture in its many forms – I also like to travel and being a Verdunoise (French)!

Some years ago I did a note on back payment rewards for younger members





I  came to Canada from the Barnstaple, North Devon in the UK on 19th June 2009, and I am now a Canadian Citizen. 

I am now retired, but when I was working included working for the Government Service and owning and running a small business.

In my spare time, I play the piano and organ for my local church and I am involved with several community activities.






I arrived in Canada in 2000, and came from Salisbury. I served my time in the British Army flying Air Ambulance Helicopters.

Today I enjoy working with computers and enjoying the mountain scenery.





Although I grew up in London, I spent the last 30 years in the UK in the North East England

I came over to Canada in 2004, and have been a Canadian citizen in 2013. 

I became a frozen UK state pensioners in 2010.

I joined the CABP in 2017 and became a a provincial representative in Alberta after organising a successful recruitment event in my home town of Cochrane. one of my roles as a provincial representative is to find people who have worked in the UK and are either entitled to a UK state pension, or they will be entitled to one sometime in the future, and persuade them to join the CABP.

I live with his wife Jo in Cochrane, Alberta, 30km west of Calgary, and one of my claims to fame is that I have visited every Province and Territory in Canada, including their legislative buildings.

I worked as a Registered Nurse in the Royal Air Force, a Nurse Educator in the National Health Service and a health sector recruitment consultant in the British Civil Service.

I live in Vernon, in the Okanagan Valley of BC. I emigrated to Canada (Alberta) in 1973 from the Manchester area. I Lived in various places in Alberta but spent most of my life in Calgary. I worked for many years in the academic library of the Southern Alberta Institute of Technology.

After retirement and discovering CABP, I assisted Sheila Telford as the Albertan provincial volunteer, travelling around the province quite a bit holding meetings to promote the organization.

In 2014, I moved to Vernon to be closer to my family and now spend a lot of time in the great outdoors enjoying hiking, cycling, kayaking and cross country skiing. I also love adventure travel and experiencing other cultures.

Nowadays I follow up on membership issues in my area and always promote the organization when I get a chance. I write letters, sign petitions, put up posters and have made sure our local MP is aware of the frozen pension issue.

Some years ago, my father was profiled in The Guardian as an example of an isolated 100 year old senior in the UK who was unable to move to Canada to be with his family because of the frozen pension rule.


I came to Canada in January 1962, to live in Saskatoon, Sask. for my husband to work for the Canadian Government in a temporary position. We returned to England in August 1963. My husband was later offered a full-time job in the same place so we returned to Saskatoon in August 1967. We lived in Saskatoon until 1980 then we lived in Ottawa for 8 years and then another 8 years in Vancouver before we retired to live in Sidney, on Vancouver Island, in 1996.

My husband and I met at school and still have many mutual schoolfriends in the UK. We grew up in Gateshead, across the river Tyne from Newcastle. The whole area was one of ship-building, engineering and coal-mining. We were amazed when we arrived in Saskatoon, in January 1962, to see such white snow – which stayed white – sadly, it stayed too long every winter! 

Whilst I was originally a hairdresser working for my mother, I became Realtor in Saskatoon for the period 1969 to 1980.When we moved to Ottawa, I started studying and working as a Real Estate appraiser. I continued that work – plus more studying – when in Vancouver so ended my career as a qualified Appraiser of Multi-Family, Commercial and Industrial buildings.

I have always enjoyed swimming, sailing and being outdoors. My favourite TV shows are all British – including Coronation Street!

Since retiring to Sidney, I have volunteered with Canadian Blood Services, with shopping for Seniors at a local grocery store and, for the last 8 years, I have been a volunteer receptionist at a Seniors’ Centre in Sidney.

I joined CABP while living in Vancouver – about 27 years ago – it is hard to believe it is that long – and we are STILL fighting to get our pensions indexed! When I was 56, I wrote to the UK pension office to ask about my possible future pension. I was told I was eligible for 26% of the pension at that time but if I paid full contributions for 4 years, I would get 52% of the pension once I was 60. I paid those contributions – employee and employer amount – so now I receive 52% of the pension of 1997 ( paid into my Canadian bank with tax paid to the Canadian government!). When I was last in the UK 2 years ago, I received the amount I would be getting with indexing and realise I am only receiving half of what I am entitled to. (When I paid those contributions, I was NOT told my pension would be frozen at the 1997 rate!)   

In 2013, I attended a meeting of the CABP. After listening to chairperson, Sheila Telford, and other board members, I wanted to do more for CABP than just paying my membership dues. Since then, I have written letters to The Queen, Prince Charles, Prime Ministers and other Ministers of UK and Canada, to our former UK MP plus I have spoken to our MP, Elizabeth May – who is now a firm supporter of our cause to end frozen pensions. I have posted CABP posters all over Sidney and area. I carry CABP ‘business cards’ everywhere and hand them out whenever I hear a British accent or meet someone who has worked in UK, urging them to join CABP, to claim a pension they often do not know exists!

Hopefully, all the efforts by members of the CABP and the International Consortium of British Pensioners is effective SOON and the UK government indexes pensions wherever a person lives in the world – and I live to enjoy that momentous day!


Ed was born in Abergavenny in 1946. In 1974, Ed emigrated to Abbotsford, BC with his wife and two young children, and lived there for 20 years working in the BC electrical industry. In 1988, he formed his own company, and in 1996 sold it to Exide Electronics, and moved to Chilliwack. Since that time he had his own company until semi-retiring in 2013.

His father, Austin Stone has been a murder, mystery crime writer, and in 2014, Ed found an unpublished manuscript of his father’s from around 1974. Ed decided to get the book into print as a memorial to his father.