Outcome

1. I agree that the complaint should be upheld against the NCA and to matters right within 28 days the NCA should:

• reconsider Mr Y’s application for a deferred pension and provide an explanation of the decision; and
• award Mr Y £500 for the distress and inconvenience he has suffered.

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

Complaint summary

3. Mr Y has complained that the NCA said he is not able to remain in employment and receive a deferred pen

Ombudsman’s Determination

Outcome

Mr G’s complaint is upheld and to put matters right Stadia shall sign the necessary paperwork to allow the in-specie transfer of assets to @sipp Limited. In addition, for the exceptional distress and inconvenience caused, Stadia should pay Mr G £2,500.

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

Ombudsman’s Determination

Complaint summary

1. Mr S’s complaint against the Trustee, Staveley Industries Plc, the previous employer, and PS Independent Trustee Limited, the SIRBS manager is that his pension in payment increases were reduced to 3% per annum. He says that he is entitled to 5 % per anum increases as stipulated in the SIRBS rules.
2. The Additional Applicants’ complaints set out above have been associated with Mr S’s complaint by my office.

Ombudsman’s Determination

Complaint summary

1. Mr S’s complaint against the Trustee, Staveley Industries Plc, the previous employer, and PS Independent Trustee Limited, the SIRBS manager is that his pension in payment increases were reduced to 3% per annum. He says that he is entitled to 5 % per anum increases as stipulated in the SIRBS rules.
2. The Additional Applicants’ complaints set out above have been associated with Mr S’s complaint by my office.

Ombudsman’s Determination

Complaint summary

1. Mr S’s complaint against the Trustee, Staveley Industries Plc, the previous employer, and PS Independent Trustee Limited, the SIRBS manager is that his pension in payment increases were reduced to 3% per annum. He says that he is entitled to 5 % per anum increases as stipulated in the SIRBS rules.
2. The Additional Applicants’ complaints set out above have been associated with Mr S’s complaint by my office.

Ombudsman’s Determination

Outcome

Mr R’s complaint is upheld, and to put matters right AJB shall compensate Mr R for his financial loss arising between 10 and 24 February 2017, by making an appropriate payment to his new pension plan.

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

Ombudsman’s Determination

Outcome

The Applicants’ complaints are upheld and to put matters right Fortum will re-perform the targeting exercises on the Applicants’ pension benefits, using alternate assumptions. Fortum will also pay £500 to each of the Applicants to recognise the distress and inconvenience Fortum’s actions have caused them.

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

Ombudsman’s Determination

Outcome

Mr V’s complaint is upheld and to put matters right Optimum Capita shall:-

Ombudsman’s Determination

Outcome

Mrs R’s complaint is upheld and, to put matters right, NHS BSA should reconsider its decision not to award her Ill Health Retirement benefits.

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

Complaint summary

Mrs R’s complaint against NHS BSA, the Scheme manager, is that it has not accepted her application for Ill Health Retirement (IHR) benefits.

Ombudsman’s Determination

Outcome

Mr I’s complaint is upheld and to put matters right, James Hay Partnership shall pay Mr I £2,000 in recognition of the significant distress and inconvenience caused.

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

Complaint summary

Mr I’s complaint is that James Hay caused an undue and avoidable delay in the transfer of his pension to a new provider. As a result, Mr I lost the opportunity to invest in the stock market immediately following the Brexit referendum in June 2016.