John Zammit, 66, had a pleasant surprise last August when his bank account was credited with almost €3,700 in pension arrears. The deposit and subsequent letter from the Social Services Department informing him of a higher weekly pension rate signalled the end of a six-year battle against injustice. Mr Zammit’s story featured in the Times of Malta last year. The story recounted how a decision to become self-employed after taking early retirement from HSBC bank in 2001 had penalised him upon his retirement 10 years later. His pension was worked out based on the last 10 years of his self-employed working life, which gave him a pension that was almost half what it would have been had he simply sat out the period to retirement age.