Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s complaint is that several parts of Fidelity’s policies and processes, in relation to income drawdown, are inadequate. He believes it should change these in various ways, so it is easier for him to exercise his preferred option.

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 complains that Veterans UK has incorrectly reviewed his application for ill health retirement benefits; he considers that he at least meets the criteria for a tier 2 award. Further, Mr S believes Veterans UK has unfairly shifted the criteria for these benefits since his discharge.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Trustee of the Scheme.

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

Complaint summary

Mr N is complaining about the reduction that is being applied to his Cash Equivalent Transfer Value (CETV) under the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Dr K’s complaint and no further action is required by NHS BSA or PCSE.

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

Complaint summary

Dr K has complained that NHS BSA failed to provide him with appropriate information when he made enquiries regarding a transfer to another pension scheme.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’ 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’s complaint against NHS BSA concerns the refusal of her application for Permanent Injury Benefits (PIB).

Ombudsman’s Determination

Outcome

I do not uphold Ms 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

Mrs S’ complaint concerns the payment of her late husband’s death benefits. She is dissatisfied that Veterans UK paid the death benefits to her late husband’s friend instead of using its discretion to pay her the benefits.

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 is unhappy that his application for ill health early retirement (IHER) has been refused.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs L is currently receiving an ill health early retirement (IHER) pension from LGPS. However, she is unhappy because BCC will not award her the tier with the highest IHER benefits.

Ombudsman’s Determination

Outcome

I do not uphold the Executor’s complaint and no further action is required by Sippchoice Limited

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

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Texas Instruments.

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

Complaint summary

Mr Y’s complaint is that Texas Instruments:-