Albion Hose Group Pension Plan (PO-3950)

Complaint summary

Mr Cole’s complaint which is against Albion and Legal & General is about the inability to trace his entitlement under the Plan. Effectively, Mr Cole’s complaint is that he has accrued no benefit in respect of contributions paid in the period May 2008 to the end of February 2010.

Summary of the Ombudsman’s determination and reasons

The complaint should not be upheld against Legal & General because they were not sent the necessary documents by Albion to set up a pension arrangement for Mr Cole.

However, the complaint against Albion should be upheld because they did not send the necessary documents to Legal & General to set up a pension arrangement for Mr Cole. In addition, they did not check to see if an arrangement had been set up.