Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N has complained that Zurich/CB has refused to transfer his pension benefits in the SIPP to another provider and as a result he has missed out on the gains he would have made on the investment in the new pension scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N has complained that contrary to the assurances she received from the Trustees before requesting a cash equivalent transfer value (CETV) in June 2016, she was not able to request a further CETV on 6 September 2016.

Ombudsman’s Determination

Outcome

I do not uphold Mrs D’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 D’s complaint against NHS BSA is about its decision to refuse her Permanent Injury Benefit, (PIB), as it says she has not suffered a permanent loss of earning ability (PLOEA).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N’s complaint against YHL is that her ill health retirement benefits under the Scheme are lower than the benefits she would have received under the Local Government Pension Scheme. She says this is contrary to what she was told at the time of the transfer in 2007 and YHL should fund the difference as it promised.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr and Mrs E have complained about: –

Ombudsman’s Determination

Outcome

I do not uphold Miss W’s complaint and no further action is required by the Trustees.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by Clifton or Morgan Lloyd.

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

Complaint summary

Mr D has complained about the information received from Clifton in respect of the assets held within the Scheme and Morgan Lloyd’s decision to accept the assets.

Ombudsman’s Determination

Outcome

I do not uphold Miss 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

Miss N has complained that her application for the early payment of her benefits on the grounds of ill health has not been considered in a proper manner.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs L is unhappy with the Trustees’ decision regarding who should receive Mr L’s lump sum death benefit and active retirement account benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mr 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 S’ complaint against Veterans UK concerns its decision not to give a discretionary award under the Attributable Benefit Scheme (AFAB).