Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint is that he believes he is paying tax at a higher rate than he should be, and that this is due to NHSBSA not following his written instructions.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint arises because Thomsons did not process an online instruction to increase the level of his employee contributions.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’s complaint, and no further action is required by Aviva.

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

Complaint summary

Mrs S’s complaint about Aviva is that it did not take into account the expression of wish form completed by her fiance Mr R when it decided how to distribute the lump sum payable from the Scheme on Mr R’s death.

Ombudsman’s Determination

Outcome

I agree with the complaint but, the compensation ReAssure have paid adequately compensates Mr S for the delay in transfer.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr T has complained that when he completed an online transaction to switch the funds in the Plan, he was unaware that this would rebalance all of his holdings in the Plan. He believes this has led to a loss caused by the online system being unfit for purpose.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Wirral Council.

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

Complaint summary

Mrs S has complained that Wirral Council, the administering authority, have said she is not able to take her benefits as a trivial commutation payment in accordance with the de minimis rules.

Ombudsman’s Determination

Outcome

I do not uphold Mrs R’s complaint and no further action is required by Cornwall Council or Teachers’ Pensions.
My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mrs R has complained that CC and TP unduly delayed her divorce proceedings leading to higher costs and unnecessary distress.

Ombudsman’s Determination

Outcome

I do not uphold Mr P’s complaint and no further action is required by Aviva
My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr P has complained that Aviva has refused to honour the contract he has for pension increases at 3% a year to be applied to the pension.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Aviva UK Life

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

Complaint summary

Mr E has complained that Aviva have refused to honour the contract he has for pension increases at 5% a year to be applied to the pension.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Department for Education or TP.

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

Complaint summary

Mrs S has complained that TP ought to have told her in 2015 that it was possible for her to take a phased retirement within the Scheme.