We use some essential cookies to make this website work.

We’d like to set additional cookies to understand how you use our website, remember your settings and improve our services.

Before deciding you can read more about our cookies.

HSBC Bank (UK) Pension Scheme (PO-24254)

Complainant: Mrs R
Complaint Topic: Benefits: overpayment (recovery of)
Ref: PO-24254
Outcome: Partly upheld
Appeal outcome: None
Respondent: HSBC Bank Pension Trust (UK) Limited (the Trustee)
Willis Towers Watson (WTW)
Type: Pension complaint or dispute
Date:
Appeal: No

Ombudsman’s Determination

Outcome

Mrs R’s complaint against the Trustee and WTW is partly upheld, but there is a part of the complaint I do not agree with. To put matters right, for the part that is upheld, WTW shall pay Mrs R £500 in recognition of the significant distress and inconvenience she has suffered because of its error. I do not uphold the complaint against the Trustee.

Complaint summary

 

Mrs R’s complaint concerns the failure to apply a deduction to her pension benefits from age 60. Consequently, an overpayment has occurred which the Trustee is seeking to reclaim. Mrs R disputes the repayment of these funds.

Further, Mrs R says she was not informed that the deduction was a feature of the Scheme and says she did not agree to this.

View determination

Download

Related decisions

  • Teachers’ Pension Scheme (CAS-76851-L9X6)
    Complainant: Mr R
    Respondent: Teachers’ Pensions (TP)
    Department for Education (DfE)
    Outcome: Not upheld
    Complaint Topic: Benefits: overpayment (recovery of)
    Ref: CAS-76851-L9X6
    Date:
  • The Carillion Public Sector Pension Scheme (CAS-56498-P2Y8)
    Complainant: Mr D
    Respondent: Barnett Waddingham LLP
    Independent Trustee Services Limited
    Outcome: Not upheld
    Complaint Topic: Benefits: overpayment (recovery of)
    Ref: CAS-56498-P2Y8
    Date:
View all decisions