Ombudsman’s Determination

Outcome

Dr E’s complaint is upheld and to put matters right Just Retirement, shall pay Dr E £500 in recognition of the distress and inconvenience she has suffered in dealing with this matter.

Complaint summary

Dr E initially complained that Just Retirement delayed in providing an annuity, provided inaccurate calculations and failed to release her fund on cancellation of the Policy. Dr E later said that she was also concerned on the level of service she received from Just Retirement.

Ombudsman’s Determination

Outcome

Mr E’s complaint is upheld and to put matters right Liberty shall, within 28 days of the date of this Determination, pay an amount equal to the transferred sum, £18,500, to the SIPP. To compensate Mr E for loss of investment opportunity, Liberty shall add interest at the base bank rate for the time being quoted by the Bank of England for the period from 1 April 2017 to the date of payment inclusive.

Ombudsman’s Determination

Outcome

Mr S’ complaint is upheld and to put matters right, BSSL shall comply with the Directions set out in paragraphs 21 to 23 below.

Complaint summary

Mr S complains that pension contributions have not been paid into his Plan. He says that as a result of this, he has been unable to claim his pension and has relied on his savings instead. He would like all contributions and tax relief to be applied to his Plan, and for this to reflect what he would have received, had the contributions been allocated on time.

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and, to put matters right, BSSL shall comply with the Directions set out in paragraphs 22 to 23 below.

Complaint summary

Mr N complains that pension contributions have not been paid into his Plan. He would like a reconciliation of the Plan to be carried out so that its value reflects the value it would have been, had the contributions been paid and allocated on time.

Ombudsman’s Determination

Outcome

The Applicants’ complaints are upheld and to put matters right, the Respondent shall pay pension contributions into the Scheme, on the Applicants’ behalf, for the period from (a) 8 April 2015 to (b) the date he started paying pension contributions to the Scheme, on their behalf, in November 2017.

The Respondent will ascertain from Nest what if any is the investment return in respect of the missing contributions and pay such return into the Scheme.

Ombudsman’s Determination

Complaint Summary

The Applicants have complained that they were not informed by either RCT or SWFRS that if they retired from their employment as a Wholetime Duty Firefighter (WDF), taking advantage of their protected pension age (PPA), undertaking other linked employment within 30 days of retirement would invalidate their PPA.

Ombudsman’s Determination

Outcome

The complaint is upheld and to put matters right, Link shall reconsider its decision on the distribution of the lump sum death benefit.

Ombudsman’s Determination

Outcome

Mr S’ complaint is upheld. To put matters right, Scottish Widows shall provide Mr S with a deferred annuity equal in value to the deferred pension benefits that accrued for and in respect of him under the Scheme up to 5 April 1996, making allowance for the statutory revaluation increase that the deferred pension benefits would have attracted to date, inform Mr S in writing of the current value of that deferred annuity, and pay Mr S £500 for his significant distress and inconvenience.

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.