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 Ms D’s complaint and no further action is required by the Bank or the Trustees.

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

Complaint summary

Ms D has complained because she is dissatisfied with the way her spouse’s pension has been calculated.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint is that NHS BSA have refused his application for Permanent Injury Benefit (PIB).

Ombudsman’s Determination

Outcome

I do not uphold Dr E’s complaint and no further action is required by NHS BSA.

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

Complaint summary

Dr E’s complaint against NHS BSA is about the difference between the figures quoted to her on 15 June 2011 (the June 2011 quotation) for early retirement, and the figures put into payment on 6 February 2013, which were much lower.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr H complains that NHS BSA has committed a series of errors in relation to his benefits under the Scheme. He believes that the combination of these errors has resulted in him suffering a financial loss.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N is unhappy that JLT failed to provide her with a cash equivalent transfer value (CETV) prior to her retirement from the Scheme.

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.