Lloyds Bank Pension Scheme No. 1 (PO-19898)

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’s complaint and no further action is required by the Trustee.

Complaint summary

Mrs E’s complaint is that the Trustee refuses to reinstate her retirement benefits into the Scheme, because she has already received monthly pension payments and a lump sum from the Scheme. Mrs E says that she made pre-retirement enquiries that the Trustee failed to answer within a reasonable timescale. She argues that the Trustee’s delays in responding to her queries led to her taking retirement benefits, which she now believes was not in her best interests.