James Hay Modular iSIPP (CAS-60559-J2R8)
Ombudsman’s Determination
Outcome
Mr R’s complaint is upheld and to put matters right James Hay shall:
Mr R’s complaint is upheld and to put matters right James Hay shall:
Professor G has sustained injustice as a consequence of maladministration (involving infringements of various legal rights) by NHS BSA.
NHS BSA:
The complaint is upheld against USS because it failed to provide sufficient and accurate information to Professor E, at the time he made his decision to opt for EOO, about the impact it would have on his entitlement to LRF. Consequently, he made an uninformed decision which has caused him an injustice.
The complaint is not upheld against Rowanmoor as Administrator, as it was not its responsibility to carry out the level of due diligence suggested by Mr N, and because it fulfilled the duties it did have in relation to the Scheme adequately.
The complaint is upheld. If LPP had not provided Mr N with incorrect information, it is more likely than not that he and Ms E would have married in order to guarantee her entitlement to a pension from the Scheme.
Mr E’s complaint is upheld and to put matters right Capita should pay Mr E his retirement benefits on the basis that he would have chosen a lump sum and reduced pension, rather than a full pension.
Mr R’s complaint is upheld and, to put matters right, the Employer shall pay the missing contributions in respect of his pension and make good any shortfall in units. In addition, the Employer shall pay Mr R £1,000 for the serious distress and inconvenience it has caused him.
Mr H’s complaint is upheld and, to put matters right, the Employer shall pay the missing contributions in respect of his pension and make good any shortfall in units. In addition, the Employer shall pay Mr H £1,000 for the serious distress and inconvenience it has caused him.
Miss L’s complaint is upheld and, to put matters right, the Employer shall pay the missing contributions in respect o
Mr Y’s complaint is upheld and, to put matters right, the Employer shall ensure that all unpaid contributions are paid into the Scheme.