Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required either by NTC or by STC.

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

Complaint summary

Mr E’s complaint concerns issues relating to his ill health pension benefit which has been reduced and suspended since 1998.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E’s complaint against the Fund is that it has not met its statutory obligations to inform him there was a change to the Scheme, namely a reduction to the late retirement factors.

Had he been aware of the reductions he would have acted to avoid being affected by these changes.

Ombudsman’s Determination

Outcome

I do not uphold Ms L’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

Ms L’s complaint is that she has been refused a Permanent Injury Benefit (PIB).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R has complained that Scottish Widows ought to have informed him about the impact taking a partial encashment of his benefits from the Policy would have on his Money Purchase Annual Allowance (MPAA).

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by Bentley or the Trustees.

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

Complaint summary

Mr H complains that Bentley and the Trustees have wrongly declined his application for payment of his pension in the Scheme on an unreduced basis from his 57^th He also contends that the Respondents did not notify him at any time that this option was no longer available to him.

Ombudsman’s Determination

Outcome

I do not uphold Mrs M’s complaint and no further action is required by A J Bell.

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

Complaint summary

Mrs M complains that A J Bell, the SIT SIPP administrator, failed to invest the £29,000 net contribution which she paid into the SIT SIPP in September 2016, as instructed. As a result, AJ Bell should compensate her for any investment loss which she has incurred up to the current date.

Ombudsman’s Determination

Outcome

I do not uphold Miss S’ complaint and no further action is required by the Trustee or Capita.

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

Complaint summary

Miss S has complained that as there was a dispute concerning the Cash Equivalent Transfer Value (CETV), she believes the Trustee should agree to honour the original figures even though the three-month guarantee period had expired.

Ombudsman’s Determination

Outcome

I do not uphold Mr 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

Mr E was automatically enrolled into the Scheme. He complains that, because he is over normal retirement age, he is no longer entitled to a refund of contributions and must take Scheme pension benefits.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs F is unhappy with the Trustee’s decision in relation to the distribution of the late Mr F’s lump sum death benefits under the Plan.