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Civil Service AVC Scheme (PO-21127)

Complainant: Mr Y
Complaint Topic: Failure to provide information/act on instructions
Ref: PO-21127
Outcome: Not upheld
Respondent: Scottish Widows Limited
Type: Pension complaint or dispute
Date:

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Scottish Widows.

Complaint summary

Mr Y says that Scottish Widows switched his additional voluntary contributions (AVCs) into its loss making Building Society Fund, which is closed to new investors, without his authority.

He was not provided with information on the fund, including the expected rates of return and past performance. The risks associated with investing in the fund were also not explained to him.

View determination

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