Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required either by Mercer or by the Trustee.

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

Complaint summary

Mr N complains that the Trustee and Mercer, the Fund Administrator, have made a number of mistakes when administering his pension benefits, including:-

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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 N has complained that the Trustee has refused to pay a commutation lump sum despite his late father having made the option just prior to his death.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N is complaining about information he received from JLT in 2012, that he subsequently relied upon, in making financial planning decisions for his retirement.

Ombudsman’s Determination

Outcome

I do not uphold Mrs Y’s complaint, and no further action is required by NHS Borders or SPPA.

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

Complaint summary

Mrs Y has complained that her pension is subject to an early retirement reduction because she retired at age 55. Mrs Y believed that she held Mental Health Officer (MHO) status, so she should not be subject to these reductions.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs K’s complaint is that NHSBSA has rejected an application to transfer her Scheme benefits to a defined contribution pension scheme.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs K’s complaint and no further action is required by NHS Pensions

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

Complaint summary

Mrs K’s complaint against NHS BSA concerns its decision not to award her an ill health retirement pension (IHRP).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr M’s complaint is that a portfolio of investments in his SSAS was encashed in 2005 without his approval or knowledge. Mr M says the action has caused him a financial loss as some of the investments sold have since substantially increased in value.

Ombudsman’s Determination

Outcome

I do not uphold Dr Y’s complaint and no further action is required by NHSBSA

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

Complaint summary

Dr Y’s complaint is that the estimate and Total Reward Statement (TRS)she received from NHSBSA differed greatly from the lump sum and pension she was awarded.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Council or WYPF.

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

Complaint summary

Mr N is concerned that the actuarial factor applying to his late retirement has decreased. He is also unhappy that the Council failed to communicate this change to him.