Ombudsman’s Determination

Complaint Summary

Mr S’ complaint is that he has been incorrectly refused the early release of his deferred pension on the grounds of ill health.

Summary of the Ombudsman’s Determination and reasons

The complaint is upheld against MAG because it turned down Mr S’ application for the early release of his deferred pension on grounds of ill health without necessary information. Its decision was therefore not properly made.

Ombudsman’s Determination

Outcome

Mrs R’s complaint is upheld and to put matters right Teddy shall ensure that all of the unpaid employer and employee contributions are paid into Mrs R’s Scheme pension. Teddy shall also pay an amount equal to the notional fund value had the contributions been paid into the Scheme at the time when they should have been (if higher than the value of the contributions alone). Teddy shall also pay Mrs R £2,000 for the severe distress and inconvenience caused to her.

Ombudsman’s Determination

Complaint Summary

Ms N’s complaint against APTL and Phoenix Life concerns the decision to refuse a transfer of her pension.

Summary of the Ombudsman’s Determination and reasons

The complaint is upheld against Phoenix Life because it is ultimately responsible for Ms N being denied the opportunity to transfer.

Ombudsman’s Determination

Outcome

Mr N’s complaint against NHS England is upheld. To put matters right, NHS England shall update Mr N’s pension record and pay an award of £1,000 in respect of the serious distress and inconvenience which Mr N has suffered.

Complaint summary

Mr N’s complaint concerns alleged failure to pay pension contributions to NHS BSA. Mr N would like a service statement detailing the contributions that have been paid to date towards his pension.