A local Age Concern says it will have to cut services because Age Concern England says it must meet a £153,000 pension debt over the next three years.
Age Concern Slough and Berkshire East was told last year, after the last employee in the scheme left the organisation, that it had to meet all its pension shortfall under ACE's final-salary pension scheme at once.
"We asked to pay over 10 years to avoid cutting local services," said Tracey Morgan, chief executive of Acsabe. "Then we got a lawyer's letter saying we could have three years to repay the debt, at 7 per cent interest. We could have got better terms from our bank."
A spokesman for ACE said it had a legal obligation to recover Acsabe's share of the debt as soon as possible. Asking other branches to increase their contributions if Acsabe did not pay its share would be "robbing Peter to pay Paul", he said.