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HBOS Final Salary Pension Scheme (CAS-77463-Q7D3)

Complainant: Mrs I
Complaint Topic: Transfers: general
Ref: CAS-77463-Q7D3
Outcome: Not upheld
Respondent: Willis Towers Watson (the Administrator)
Type: Pension complaint or dispute
Appeal: No

Ombudsman’s Determination


The complaint is not upheld against the Administrator as there was no unreasonable delay by it that resulted in the delay of Mrs I’s transferred funds being reinvested. 

Complaint summary

Mrs I’s complaint concerns the delays she experienced in relation to the transfer of her benefits from the Scheme and the reinvestment of the transferred value. She asserts that she has incurred a financial loss as a result of the delays and that she has also suffered distress and inconvenience.

View determination


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