Ombudsman’s Determination

Outcome

Mr S’ complaint against TP is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld), TP should pay Mr S £1,000 for the significant distress and inconvenience caused by its maladministration.

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

Ombudsman’s Determination

Outcome

Mrs D’s complaint against Mr Cliff, but not against AJ Bell, is upheld. No further action is required by AJ Bell. However, to put matters right Mr Cliff should pay Mrs D interest on the payments already made to her and also pay her the balance of the death benefit, plus interest. In addition, he should pay her compensation of £500 for the significant non-financial injustice she has suffered.

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

Ombudsman’s Determination

Outcome

Mrs N’s complaint against TVP is partly upheld, but there is a part of the complaint I do not agree with.  To put matters right (for the part that is upheld) TVP should pay £1,000 to Mrs N.

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

Complaint summary

Mrs N complains that TVP, her employer, misled her about her ill health retirement (IHR) rights under the Scheme, and she relied on it to her detriment.

Ombudsman’s Determination

Outcome

Mrs S’s complaint against Dossor and Phoenix Life is partly upheld, but there is a part of the complaint I do not agree with. To put matters right for the part that is upheld:

Ombudsman’s Determination

Outcome

Dr R’s complaint against Teachers’ Pensions is partly upheld, but there is a part of the complaint I do not agree with.  To put matters right (for the part that is upheld) Teachers’ Pensions should pay Dr R £500 as compensation for the distress and inconvenience he has experienced.

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

Ombudsman’s Determination

Complaint summary

Mr N’s complaint is summarised as follows:

HM told him he would receive a return of GBP £6,238.00 from his investment in the “USD Absolute Macro Diversified Fund” (Absolute Fund). When his funds were disinvested, he actually received an uncrystallised funds pension lump sum (UFPLS) of GBP £3,376.75. He believes that HM’s explanation of this difference is inadequate and he is entitled to the shortfall.

Ombudsman’s Determination

Outcome

I do not uphold Ms R’s complaint and no further action is required by NHS BSA

Ms R’s complaint against NHS BSA is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld) NHS BSA should pay Ms R £500 for the significant distress and inconvenience that she has experienced.

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

Ombudsman’s Determination

 Complaint Summary

Mrs H’s complaint against NHSBSA is about the decision that she was not eligible to take her benefits early under the Special Class Status (SCS) terms of the Scheme. Her complaint against  STH is that they gave her misleading information about her entitlement to continuing SCS status while on secondment on which she relied when deciding to retire.

Ombudsman’s Determination

Outcome

I partly uphold Ms D’s complaint.

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

Complaint summary

Ms D is complaining that AH, the Fund administrators paid her an incorrect lump sum and pension. She says that she relied on the incorrect figures when deciding to retire at age 55. Ms D has agreed to repay the part of the cash sum that she was not entitled to. However, she contends that she should be entitled to the incorrectly quoted pension of £5,534.69 per annum.

Ombudsman’s Determination

Outcome

Mr Y’s complaint against Hornbuckle is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld) Hornbuckle should conduct a loss assessment and also pay Mr Y £500 as compensation for the significant distress and inconvenience suffered.

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