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.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’s complaint against Teachers’ Pensions is about an overpayment in respect of his widower’s pension.

Ombudsman’s Determination

Complaint summary

Mr R’s complaint is that:

Ombudsman’s Determination

Outcome

I do not uphold Mrs T’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

Mrs T’s complaint is that she has been refused ill health early retirement (IHER).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs T’s complaint arises because JHP rejected her application to receive 100% of the Plan death benefits following the death of her husband, Mr T, who was the member.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’s complaint is that AXA told him that he could transfer the unfunded benefits in the Scheme, then reduced the cash equivalent transfer value (CETV).