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:

Complaint summary

Mr Atkinson complains that Hornbuckle Mitchell Group Ltd (HMGL) failed to complete a transfer of funds between two US dollar (USD) bank accounts held in the SIPP on a timely basis. He says that he has suffered a considerable financial loss as a consequence of the delay because he could not use these funds to purchase US stocks at the end of December 2013.

Complaint summary

Dr Crawford’s complaint is that she was:

Complaint summary

Miss O’Riordan complains that the Trustee provided incorrect information about the application of the state pension deduction (the Deduction) to her pension entitlement. She says that the dispute centres on the difference between ‘payment provision’ in the rules of the Scheme and ‘Benefit Calculation Provisions’.  She feels that because she was already receiving a pension, the Trustee cannot recalculate the benefit and introduce a new reduction.

Subject

Mr Moulton complains that Argos Limited (Argos) did not grant him early retirement from active status in respect of his membership of the Scheme.  Further, he is unhappy with Argos and Home Retail Group Pension Scheme Nominees Limited (the Trustee) about the way in which his application was administered.

 Subject

Mr Wood has complained that the Trustees and the Company have not adequately compensated him for the overpayment of pension contributions to the Plan.

The Pensions Ombudsman’s determination and short reasons

The complaint should be partly upheld as Mr Wood has not received a full return of his overpaid contributions including interest.

Subject

Mr Davis’ complaint is that Aon took too long to process a fund switch (from 21 July until 5 September 2011) and that this resulted in an £8,000 reduction in the size of his pension fund.

The Deputy Pensions Ombudsman’s deputy and short reasons

The complaint is partially upheld against Aon. Aon caused unreasonable delays, which resulted in a fall in Mr Davis’ fund size within the scheme, but the financial loss is less than Mr Davis calculated.