Universities Superannuation Scheme (PO-14751)
Complainant: Mrs N
Complaint Topic: Transfers: club transfers
Ref: PO-14751
Outcome: Partly upheld
Respondent: USS Ltd
Type: Pension complaint or dispute
Date:
Ombudsman’s Determination
Complaint Summary
Mrs N has complained that:-
- In 2005, USS Ltd failed to provide her with a transfer statement, sending it instead to her former employer, the University of Southampton (the University), resulting in the loss of Pension Scheme Transfer Club (Club) transfer rights, the need for an Employment Tribunal, and many years of dispute.
- In 2010, USS Ltd again failed to provide her with a transfer statement, sending it again to the University, resulting in a later revised, lower, transfer value being transferred instead.
- The benefits eventually transferred do not provide the required guaranteed minimum pension (GMP).
Summary of the Ombudsman’s Determination and reasons
The complaint is partly upheld against USS Ltd because USS Ltd sent the 2010 transfer statement to an address that was no longer appropriate for Mrs N. This error will have contributed to Mrs N’s distress and inconvenience and an award in recognition of this is appropriate.
View determination
DownloadRelated decisions
- Wales and West Utilities Pension Scheme (CAS-44499-C7H1)Complainant: Mr SRespondent: The Trustee of the Wales and West Utilities Pension SchemeOutcome: Not upheldComplaint Topic: Transfers: club transfersRef: CAS-44499-C7H1Date:
- Firefighters' Pension Scheme Wales 2015 (CAS-36612-B7C0)Complainant: Mr SRespondent: South Wales Fire & Rescue Service
Rhondda Cynon Taf County Borough CouncilOutcome: Not upheldComplaint Topic: Transfers: club transfersRef: CAS-36612-B7C0Date: