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Scottish Mutual Section 32 Buy-Out Policy (N00145)
In 1989, Scottish Mutual allowed Mr Bond to transfer the full value of a section 32 buyout policy to a small self administered scheme (SSAS) with Legal & General. However, Scottish Mutual failed to retain funds to support the Guaranteed Minimum Pension (GMP) obligation which it held.
Teachers’ Pension Scheme – Prudential AVC Facility (P00720)
Mrs Gill complains that Prudential’s sales representative improperly persuaded her to pay additional voluntary contributions (AVCs) to Prudential. Mrs Gill states that the sales representative did not inform her of the existence of past added years (PAY) in the Teachers’ …
The ADT Pension Plan (P00791)
Mr Godfray has complained that the Trustees and the Administrator have refused to implement an augmentation of benefits, which, he says, was agreed at the time he left the Plan with deferred benefits. The Trustees say that to do so would result in Mr Godfray’s benefits exceedi …
The Marmon Group Limited Retirement Benefits Plan (M00186)
Mr Morris complains that JLT provided him with incorrect information, and delayed in providing correct information. He cla …
CIS Retirement Annuity Policy 7061627 (P00800)
Mrs Unsworth alleges that she was misled by a CIS representative into continuing to pay contributions into the Policy instead of taking immediate benefits. She discovered two years later that her benefits had in fact reduced, despite the payment of the additional contributions. She sa …
Teachers’ Pension Scheme – Prudential AVC Facility (Q00051)
Mrs Minihane complains that Prudential’s sales representative improperly persuaded her to pay additional voluntary contributions (AVCs) to Prudential. She also alleges that the sales representative did not inform her that she could purchase past added ye …
Equitable Life Assurance Annuity Contract R0143463, R0147908 & R0165093
(N01083)
Mr Brigden claims that Equitable Life incorrectly applied redemption penalties to the Policies when he took transfer values to purchase early retirement annuities on the Open Market. Some of th …
Local Government Pension Scheme (M00545)
Mrs Jones alleges that the Council did not award her early retirement benefits from the Scheme on compassionate grounds and as a result her benefits are less than originally notified. Some of the issues before me might be seen as complaints of maladministration whil …
Teachers’ Pension Scheme (N00107)
Mr Meredith says that the Employer provided an incorrect estimate of early retirement benefits on which he then relied to his financial detriment. Some of the issues before me might be seen as complaints of maladministration while others can be seen as disputes of fact o …
The CHC Scotia Pension Scheme (P00775)
Miss McLay complains that a death in service benefit has wrongfully been withheld following the death of her partner, Mr Svendsen. Some of the issues before me might be seen as complaints of maladministration while others can be seen as disputes of fact or law and indeed …
National Health Service Pension Scheme (Q00323)
Mrs Mitton alleges that the NHS Pensions Agency (the Agency) caused delays in transferring her pension benefits, causing a loss of pension benefits.
Teachers’ Pension Scheme (N01336)
Mr Warren complains that Teachers’ Pensions applied a lower rate of revaluation to Mr Warren’s notional salary than he was told would apply. Mr Warren wants the higher rate of revaluation to be applied in the calculation of his pension.
Christiani & Nielsen Pension Fund (P00069)
Mr Allsop makes two complaints: He was wrongly withdrawn from the Scheme in 1996. Moreover, he says that although, when he re-joined in 1998, he was told that his service would be “deemed continuous” fr …
Tibbett & Britten Pension Scheme (P00691)
Mr Thorpe says that he should have been awarded an enhanced ill health benefit when he left the service of Tibbett & Britten. Some of the issues before me might be seen as complaints of maladministration while others can be seen as disp …
Stannah Money Purchase Scheme (P01173)
Mr Wileman says that he relied to his financial detriment upon incorrect and misleading information included in annual benefit statements issued by Mercers on behalf of the Trustees. Some of the issues before m …
Teachers’ Pension Scheme – Prudential AVC Facility (P01222)
Mrs McVittie complains that Prudential’s sales representative improperly persuaded her to pay additional voluntary contributions (AVCs) to Prudential. Mrs McVittie also alleges that the sales representative did not inform her that she could purchase pa …