Subject

Mrs McQuade complains that her pension was reduced for early payment, and delays caused her financial loss.

The Pensions Ombudsman’s determination and short reasons

The complaint should be upheld in part against Faceo FM UK Limited, because its delay in responding to Mrs McQuade’s complaint caused her distress and inconvenience.

Subject

Mr Squire complains that the Trustees and Administrator provided him with incorrect information over a period of 13 years regarding his entitlement from his deferred benefits. He says he based certain decisions on this misinformation.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should be upheld against the Administrator because they provided information which they ought to have known was incorrect to Mr Squire causing him distress and inconvenience. The complaints against the Trustees cannot be upheld.

Subject

Mrs Counsell complains that the Trustee has applied the state benefit deduction from age 60, even though she will not receive her state pension until age 65.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should be partly upheld against the Trustee because even though it applied the state pension deduction at the correct age, it provided inaccurate and misleading information about her entitlement.

Subject

Mrs Jenkins’ complaint which is against DoH and McKesson, as employer and administrator of the Scheme, respectively, is that they failed to advise her that an estimate of her retirement benefits which was given to her in September 2011 was incorrect.

Subject

Captain N complains that MNOPF Trustees Ltd (the Trustees) supplied him with an incorrect early retirement quotation in October 2011 showing considerably overstated benefits as at 6 April 2013 which he relied upon to his financial detriment.

Subject

Dr Levinson has complained about the change to the method and late retirement factors used to calculate his late retirement pension and that he was not informed of the change before or after it occurred.

Subject

Mr Atkinson has complained about the change to the method and the late retirement factors used to calculate his late retirement pension and that he was not informed of the change before or after it occurred.

Subject

Mr Stobie complains that Standard Life refused to act on his request to transfer his benefits from the SIPP to the Shredded Image Limited Pension Scheme (the Scheme).

Subject

Mrs Bashford, as the legal personal representative of her late husband, has complained that she has not been properly compensated for the tax charges that arose on the death benefit payable in respect of her late husband’s personal pension. Furthermore the tax charges had only arisen as a result of the procedures that Scottish Widows had followed in settling the payment.

Subject

• Dr Blackshaw has complained that she and her husband were misled as to her entitlement to a widow’s pension under the Scheme. She says that she has suffered significant financial loss in her pension provision as a result of decisions taken in reliance of the incorrect information they were given.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should be partially upheld against the Cabinet Office because: