Cwynodd sawl pensiynwr am hyn wrth yr Ombwdsmon Pensiynau.  Mewn achos prawf yn  ymwneud â diffoddwr tân o’r Alban (Mr Milne), dyfarnodd yr Ombwdsmon y dylai GAD fod wedi diweddaru’r ffactorau cymudo, a bod y methiant i wneud hynny’n golygu bod cyfandaliadau a dalwyd i bob diffoddwr tân ledled y DU a ymddeolodd rhwng y dyddiadau hyn wedi cael eu camgyfrifo. Yn y mwyafrif o achosion, bydd pobl sydd wedi ymddeol wedi cael symiau llai na’r hyn yr oedd ganddynt hawl i’w cael, a dyfarnodd yr Ombwdsmon y dylent gael iawndal ar ffurf y cyfandaliad, ynghyd â llog.
Several pensioners complained about this to the Pensions Ombudsman.  In a test case relating to a Scottish firefighter (Mr Milne), the Ombudsman ruled that GAD should have updated the commutation factors, and that the failure to do so means lump sums paid to all firefighters across the UK who retired between these dates were miscalculated.  In most cases, retirees will have received smaller lump sums than they were entitled to, and the Ombudsman ruled that they should receive compensation in the form of the balance of the lump sum, plus interest.