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Scottish Widows Personal Pension Plan (PO-11935)

Complainant: Mr D
Complaint Topic: Failure to provide information/act on instructions
Ref: PO-11935
Outcome: Not upheld
Respondent: Scottish Widows Ltd
Type: Pension complaint or dispute
Date:

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by Scottish Widows Ltd.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr D complains that Scottish Widows failed to process his application to contract out of the Second State Pension Scheme (S2P) from April 2007 until April 2011. As a result of this, an amount totalling £6,370.56 in national insurance contribution rebates was not invested in the Plan but instead remained in the National Insurance system.

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