Ombudsman’s Determination

Outcome

Mrs D’s complaint against Fidelity 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) Fidelity should, within 28 days, pay Mrs D £400 for the significant distress and inconvenience she has suffered.

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

Complaint summary

Mrs D’s complaints against Fidelity are:

Ombudsman’s Determination

Outcome

Mrs N’s complaint is partly upheld and to put matters right SPPA shall pay interest on the refund of contributions in line with Regulation T10(3), and pay Mrs N £500 for significant distress and inconvenience.

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

Ombudsman’s Determination

Outcome

I partly uphold Mr G’s complaint and I direct Merton to pay an award of £500 to Mr G for significant distress and inconvenience.

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

Complaint summary

Mr G has said that he is entitled to a refund of contributions from the Scheme, but Merton and PSS dispute this. Mr G is also unhappy that the Respondents do not hold records relating to his pension benefits, and that there were delays in dealing with his complaint.

Ombudsman’s Determination

Outcome

Mr N’s complaint against AmTrust 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, AmTrust should pay Mr N £500 in respect of the significant distress and inconvenience that Mr N has suffered and follow the directions in paragraph 28 below.

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

Outcome

1. Mrs Y’s complaint against the Council and TP is partly upheld, but there is a part of the complaint I do not agree with.

Ombudsman’s Determination

Outcome

Mrs S’ complaint against Aon and Prudential 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) Aon and Prudential should each pay Mrs S £250 for the significant distress and inconvenience caused.

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

Complaint summary

Mrs S has complained that she is in receipt of a lower annuity than anticipated, due to delays on the part of the Respondents.

Ombudsman’s Determination

Outcome

Mrs N’s complaint against the School 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, the School should pay Mrs N £500 for the significant distress and inconvenience caused to her by its mishandling of her case.

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

Complaint summary

Mrs N’s complaint is that she has been refused ill health early retirement (IHER).

Ombudsman’s Determination

Outcome

I agree that part, but not all, of this complaint should be upheld. To put matters right for the part that should be upheld, AJ Bell should compensate Mr T for the financial loss he has suffered due to the delay in sending the transfer documents via first class post. No directions are made against the Trustees.

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

Ombudsman’s Determination

Outcome

Mrs N’s complaint is partly upheld and to put matters right NHSBSA shall allow Mrs N to purchase the additional pension of £750 a year in the Scheme at August 2016 prices through contributions in any two future consecutive tax years up to her 65^th The contributions may be deducted from any future UK relevant earnings, not necessarily from NHS pensionable employment.

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

Ombudsman’s Determination

Complaint Summary

Dr S has complained that NHS Pensions provided her with incorrect retirement quotes in 2012 and 2014, on the basis of which she decided to reduce her working hours, a year earlier than she would otherwise have done.

Summary of the Ombudsman’s Determination and reasons

The complaint should be partly upheld against NHS pensions because its errors caused exceptional distress and inconvenience to Dr S.