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Armed Forces Pension Scheme (PO-11134)

Complainant: Mr S
Complaint Topic: Pension liberation
Ref: PO-11134
Outcome: Upheld
Appeal outcome: None
Respondent: Ministry of Defence
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


Having fully considered the evidence and submissions presented to me in writing, and those provided at the Oral Hearing, I uphold the complaint.

Complaint summary

Mr S has complained that MoD allowed him to transfer his benefits out of AFPS into a receiving scheme which he believes to be a fraudulent arrangement. Mr S transferred his benefits to the Capita Oak Pension Scheme (the Capita Oak Scheme), which was operated by Imperial Trustee Services Limited (Imperial). Imperial has since been forced into compulsory liquidation and Mr S believes his benefits have been lost.

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