Ombudsman’s Determination

Outcome

Mr E’s complaint is upheld and to put matters right AJ Bell shall carry out a financial loss calculation in order to provide Mr E with fair redress. AJ Bell shall also pay Mr E £500 in recognition of the significant distress and inconvenience he has experienced.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr E complains that AJ Bell did not properly process a contribution he made to the SIPP, resulting in a loss of investment opportunity.

Ombudsman’s Determination

Outcome

Mr T’s complaint is upheld, and to put matters right the Trustee shall comply promptly with any CETV request that Mr T makes, and offer him a transfer in cash or in specie or a mixture of both, whichever the Trustee considers most appropriate bearing in mind the Plan’s current assets and the amount of the CETV net of any early exit penalty that is applicable to him at that time, as set out in the agreement that Mr T signed in 2012.

Ombudsman’s Determination

Complaint Summary

Ms Y has complained that the Trustees have failed to implement her pension sharing order.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against the Trustees because they have not implemented the pension sharing order.

Ombudsman’s Determination

Outcome

Mrs L’s complaint is upheld and to put matters right NHS BSA shall reconsider Mrs L’s eligibility for PIB.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mrs L has complained that her application for a Permanent Injury Benefit (PIB) has not been considered in a proper manner.

Ombudsman’s Determination

Outcome

Ms Y’s complaint is upheld and to put matters right Phoenix should reconsider its decision and inform her of its conclusions, with reasons.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Ms Y’s complaint is that Phoenix rejected her application to receive a share of the death benefits arising from the Plan.

Ombudsman’s Determination

Outcome

Mrs T’s complaint is upheld and to put matters right Zurich should reconsider her application to receive the Plan death benefits and notify her of its decision, with reasons.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mrs T has complained that Zurich rejected her application to receive the Plan death benefits, following the death of her late husband, Mr T.

Ombudsman’s Determination

Outcome

Mr E’s complaint is upheld, and to put matters right the Trustee shall comply promptly with any valid statutory transfer request that Mr E makes, and offer him a transfer in cash or in specie or a mixture of both, whichever the Trustee considers most appropriate bearing in mind the Plan’s current assets and the amount of the transfer payment net of any early exit penalty that is applicable to him at that time, as set out in the agreement that Mr E signed in 2013.

Ombudsman’s Determination

 Complaint Summary

Mr & Mrs T’s complaint against CAM, MLA and MLT concerns investment advice they received from CAM, MLA and MLT:

• CAM, MLA and MLT incorrectly informed Mr and Mrs T that they could invest the Scheme assets in taxable moveable property; and
• CAM, MLA and MLT’s proposed solution to the situation did not resolve it.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against CAM, MLA and MLT because:

Ombudsman’s Determination

 Complaint Summary

Mr and Mrs E’s complaint against CAM, MLA and MLT concerns the investment advice they received from CAM, MLA and MLT:

• CAM, MLA and MLT incorrectly informed Mr and Mrs E that they could hold certain machinery as assets; and
• CAM, MLA and MLT delayed in rectifying the matter.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against CAM, MLA and MLT because:-

Ombudsman’s Determination

Outcome

Mr R’s complaint is upheld and to put matters right Mercer Limited should accept the liability for paying Mr R’s Guaranteed Minimum Pension (GMP).

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr R is complaining that Mercer and/or the Trustees have not been able to trace his GMP entitlement from the Pension and Life Assurance Plan of Caledonian Veterinary Holdings Limited, which had been transferred to the Scheme in 1993.