Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr I’s complaint is that he cannot transfer his pension benefits from the Plan, to a scheme in Italy. He also does not accept that his contributions cannot be refunded.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N is unhappy for several reasons regarding how his benefits from the Scheme have been calculated.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’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 E has complained that the value of his policy within the Scheme was surrendered at zero, due to charges continuously being deducted, when he was no longer paying contributions into the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E has complained that he is not able to receive a refund of his contributions, on leaving the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Mrs 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

Mrs E has complained that NHS BSA has not correctly applied its regulations when calculating her entitlement to benefits from the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Cdr N’s complaint and no further action is required by Veterans UK.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr I has complained that Friends Life closed its online platform on 25 August 2017, and did not provide him with details of when a replacement or new online platform would be available.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’ complaint against L&G is that it has refunded pension contributions overpaid by Frances King/Quest, his employer, without seeking his permission to do so. He would also like an explanation for the overpayment made in error.

Ombudsman’s Determination

Outcome

I do not uphold Mrs R’s complaint against Prudential and no further action is required by it.

I uphold Mrs R’s complaint against the Administrator and, to put matters right, it should (1) redress her for loss of potential investment growth associated with the delayed transfer and (2) pay her £500 for significant distress and inconvenience.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr G’s complaint and no further action is required either by the Trustees or by JLT.

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

Complaint summary

Mr G has complained that there was a delay in transferring his benefits, which led to a decrease in the transfer value.