NHS Pension Scheme (PO-11633)

Ombudsman’s Determination

Outcome

I do not uphold Mr R’s complaint and no further action is required by NHS Business Services Authority.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr R’s complaint against NHS BSA is regarding its refusal to accept his application to transfer to a Qualified Recognised Overseas Pension Scheme (QROPS) before the 2015 Pensions Scheme Act (the Act) restrictions became effective.

Mr R says his loss is that he has been unable to transfer his pension, and is therefore unable to manage his pension and will be subject to UK tax when he draws his pension despite not residing in the UK.  He believes the financial loss will be significant but that it cannot be calculated until he retires, which will not be for approximately 20 years.