Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by MyCSP.

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

Complaint summary

Mr Y has complained that MyCSP did not provide him with a transfer value quotation in time for him to transfer his benefits to a defined contribution scheme. Mr Y is also unhappy about the way his complaint was handled.

Ombudsman’s Determination

Outcome

I do not uphold Miss N’s complaint and no further action is required by the Council and the School.

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

Complaint summary

Miss N’s complaint against the School and the Council is that its review of the original decision not to backdate her ill health retirement pension, (IHRP), to 30 November 2010 when she left her employment with the Council, was flawed.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Trustees or the Employer.

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

Complaint summary

Mr E’s complaint is that the Trustees and the Employer failed to provide all the necessary documentary evidence relating to the calculation of his benefits under the Scheme; they classified him incorrectly; and they calculated his benefits incorrectly.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’s complaint and no further action is required by Trustees of the Unilever UK Pension Fund or Unilever plc.

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

Complaint summary

Trustees of the Unilever UK Pension Fund have provided a joint response on behalf of both respondents. As such, I will refer to both respondents collectively as “Unilever”.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by the Trustees, HGL or CH2M.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by the Authority or the Council.

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

Complaint summary

Mr H’s complaint against the Authority and the Council is that he was given incorrect information in 2006, which led him to leave his job prior to the Scheme’s “cut-off date” of 31 March 2006, in the belief that this would protect his right to retire at 60 which would otherwise be lost.

Ombudsman’s Determination

Outcome

I do not uphold Mr K’s complaint and no further action is required by Hays or Prudential.

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

Complaint summary

Mr K’s complaint against Hays and Prudential is twofold.

Ombudsman’s Determination

Outcome

I do not uphold Mr A’s complaint and no further action is required by ReAssure Limited

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

Complaint summary

Mr A’s complaint against ReAssure (formerly HSBC) is about the delays he has experienced, the discrepancies within his fund and the illiquid assets which his shares are invested in. He is also unhappy that his personal pension was transferred from HSBC to ReAssure without his written consent.

Ombudsman’s Determination

Outcome

I do not uphold Acre Mill’s complaint and no further action is required by the Trustee.

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

Complaint summary

Acre Mill has complained that the Trustee of the Scheme has claimed that a cessation event occurred in June 2009, triggering a Section 75 debt. Acre Mill dispute this and have asked the Pensions Ombudsman to determine whether a cessation event occurred in June 2009.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by the Respondents.

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

Complaint summary

Mr D’s complaint is that Apple has been unable to find any records relating to his preserved pension which was last valued in 1999 at approximately £41,000.