'May the work you've done speak for you, May the life you've lived speak for you' sings 88-year-old Frances Irving. But for most black pensioners there is no one who will speak for them. 'To tell you the truth-white or black-when a person reaches a certain age in this country nobody wants you around.' (JOHN PHILLIP , retired electrician) Many of that great influx of West Indians who came to this country after the war are now pensioners and for them the only way to get a voice and be noticed is to form their own clubs and groups.