Consumer rights campaigners have challenged the government to offer everyone a state pension regardless of their work record.

The rules governing the state pension were condemned at the weekend as outdated, complex and unfair by the National Consumer Council.

The group argued the government could give everyone a basic citizen pension to replace the current state provision.

"This is not just about money in the pocket. Most of those approaching retirement feel that their hopes and dreams are being taken away," said Ed Mayo, NCC chief executive.

He highlighted the fact that to qualify for the full basic state pension of £77.45 a week people need an unbroken work record from the age of 20 until retirement age.

The rise of part-time working and people with brief periods spent not working meant more people would fail to qualify for the full pension.

As a result the current system failed those who most needed its security, the group claimed.

The council urged the government employers and the financial services industry to work together to improve access to advice.

"In dabbling round the edges of the pensions crisis the government is risking a backlash. Society is changing and the pensions system needs to change with it," said Mayo.