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XPS Self Invested Personal Pension Plan (CAS-42227-Z3Y8)

Complainant: Mr E
Complaint Topic: Failure to provide information/act on instructions
Ref: CAS-42227-Z3Y8
Outcome: Not upheld
Appeal outcome: None
Respondent: Xafinity Pension Trustees Ltd
Equiniti Paymaster
Type: Pension complaint or dispute
Date:
Appeal: No

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Xafinity and Equiniti.  

Complaint summary

Mr E complained that Xafinity and its former payroll provider, Equiniti, did not consider his “adjusted net income”. As a result, they miscalculated the tax due on the income he drew from the SIPP. 

Mr E also said that he underpaid income tax during the 2016/2017, 2017/2018, and 2018/2019 tax years, which he subsequently had to pay using his savings and “trading losses” on his business.

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