Ombudsman’s Determination

Outcome

I do not uphold Mr N’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

Mr N’s complaint is about the Trustee’s interpretation of the Scheme’s Rules in relation to the calculation of pensionable salary increases.

He claims that he was entitled to, but did not receive, a pensonable salary increase review on 1 October 2015. Mr N says this has had a detrimental effect on his retirement benefits.

Ombudsman’s Determination

Outcome

I do not uphold L’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 L is unhappy because HSC has refused to grant him Mental Health Officer (MHO) status for the period of 1989 to present. The effect of this is that he has not accrued sufficient pensionable service in order to retire early without a reduction to his pension benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mrs Y’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

Mrs Y has complained about the Trustee’s distribution of death benefits. This matter was reconsidered by the Trustee, but the outcome has not changed. She has said the Trustee has failed to take account of recent information and arguments she has raised, and not provided an adequate explanation for the decision reached.

Ombudsman’s Determination

Outcome

I do not uphold Mrs D’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

Mrs D’s complaint against the Trustee is that she was given incorrect retirement benefit quotations which she relied on when making the decision to retire early.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs T is unhappy because HSBC calculated the tax on her benefits from the Scheme incorrectly. As a result, part of the benefits she received ought to have been withheld and paid to HMRC as income tax.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by Aon Consulting Ltd, Champain Financial Services Ltd, Legal & General Assurance Society Limited, LSG Sky Chefs UK Ltd, or Mercer Limited.

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

Complaint summary

Mr N has complained that funds held for him in the LSG Sky Chefs Retirement Partnership have been unlawfully accessed and he has been denied his benefits.

Ombudsman’s Determination

Outcome

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

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 WPD or the Trustees.

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

Complaint summary

Mr R’s complaint is that:

• his Guaranteed Minimum Pension (GMP) has been included within his ‘basic’ Scheme pension, rather than paid to him in addition to it; and
• has been funded from his employee contributions, rather than as liability on the Scheme funds.

Ombudsman’s Determination

Outcome

I do not uphold Mr 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

Mr S’ complaint concerns the Trustee’s failure to provide him with information regarding his Additional Voluntary Contributions (AVCs) fund which would indicate its poor performance. Mr S is dissatisfied that the AVCs’ investment yield would only cover the annual charges.

Ombudsman’s Determination

Outcome

I do not uphold Mrs G’s complaint and no further action is required by the Council.

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

Complaint summary

Mrs G’s complaint against the Council is that its review of the original decision not to grant her an ill health retirement pension (IHRP), was flawed.