Skip to main content

Standard Life Personal Pension Plan (PO-27889)

Complainant: Mr Z
Topic: Pension liberation
Ref: PO-27889
Outcome: Not upheld
Appeal outcome: None
Respondent: Standard Life Assurance Limited (Standard Life)
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


I do not uphold Mr Z’s complaint and no further action is required by Standard Life.

Complaint summary

Mr Z has complained that Standard Life did little due diligence when he was approached by an unregulated adviser in 2013 and advised to transfer his pension fund from the Scheme. Mr Z is concerned that his pension fund has now been lost or misappropriated. Mr Z would like to be put back into the position he would have been in had the transfer not taken place.

View determination


Related decisions

  • James Hay SIPP (PO-13950)

    Complainant: Mr T
    Respondent: 1. James Hay Partnership (James Hay)
    2. Phoenix Life Limited (Phoenix Life)
    Outcome: Partly upheld
    Topic: Failure to provide information/act on instructions
    Ref: PO-13950
  • Scottish Life Personal Pension Plan (PO-1347)

    Complainant: Mr Ronnie Hardie
    Respondent: Scottish Life
    Outcome: Upheld
    Topic: Interpretation of scheme rules/policy terms
    Ref: PO-1347