Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N has complained that errors were made concerning the revised commutation factors issued by GAD in April 2011. He considers that the errors relate to when the factors were prepared, how often they were prepared and how they have been implemented.

Ombudsman’s Determination

Outcome

I do not uphold Ms S’ complaint and no further action is required by RBWM or WBC.

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

Complaint summary

Ms S’ complaint is that jointly the Councils have refused the early release of her deferred pension benefits on the grounds of ill health.

27Ombudsman’s Determination

Outcome

I do not uphold Mr and Mrs E’s complaint and no further action is required by Sanlam.

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

Complaint summary

Mr and Mrs E have complained that Sanlam have failed in its duty of care to them as beneficiaries of the SIPP by:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr T is unhappy because HSC has refused to grant him Mental Health Officer (MHO) status for the period 1984 – 1993. The effect of this is that he has not accrued sufficient pensionable service as an MHO in order to retire early without a reduction to his pension benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by Peninsula Pensions.

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

Complaint summary

Mr S’ complaint is that his pension benefits had been incorrectly overstated in the estimate of benefits dated 2 March 2016. Mr S says that he decided to take early retirement on his 60^th birthday, 28 October 2016, based on the incorrect information given to him by Peninsula Pensions.

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 concerns NHS BSA’s decision not to re-instate his Added Years (AY) contract by means of an Individual Direction, which is necessary because he incurred a break in membership. Dr E is also dissatisfied that NHS BSA did not accept his Locum forms being sent late due to him being paid late.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R has complained that:-

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N complains that Prudential’s sales representative improperly persuaded him to pay additional voluntary contributions (AVCs) to Prudential. He also alleges that the sales representative did not inform him that he could purchase past added years (PAY) in the Teachers’ Pension Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N’s complaint against Prudential is about their decision not to allow her to cash in her annuity for a lump sum.