Marks & Spencer Pension Scheme (PO-5202)

PENSION SCHEMES ACT 1993, PART X

DETERMINATION BY THE DEPUTY PENSIONS OMBUDSMAN

Subject

Mrs M’s complaint against the Trustee is that it provided her with incorrect information about the application of the State Pension Deduction to her pension. In addition, the Trustee has not correctly applied and misinterpreted the provisions of the rules to the Scheme.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should not be upheld against the Trustee because even though she was given incorrect information, apart from non-financial loss for which she has received compensation, on balance she has not suffered any financial loss. In addition, the Trustee has interpreted and applied the rules of the Scheme correctly.