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The Gifford Retirement Benefits Scheme (PO-27828)

Complainant: Mr Y
Topic: Other
Ref: PO-27828
Outcome: Partly upheld
Appeal outcome: None
Respondent: Trustee of The Gifford Retirement Benefits Scheme (the Trustee) 
Ramboll UK Limited (the Employer) 
Quantum Actuarial LLP (Quantum Advisory) 
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


Mr Y’s complaint against the Respondents is partly upheld. To put matters right, for the part that is upheld, the Trustee shall pay Mr Y £500 in recognition of the significant distress and inconvenience caused.  

Complaint summary

Mr Y has complained about the introduction of a Scheme rule which changed the increase applied to the guaranteed minimum pension (GMP) element of his benefits. He does not agree with the introduction of the rule as it disadvantages him, and yet he had not been informed of the change, nor was his approval sought before its introduction. Mr Y would like the 3% annual increase to continue to apply to the GMP element of his pension benefits.

View determination


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