Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint, and no further action is required by VetsUK.

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

Complaint summary

Mr S’ complaint against VetsUK, the managers of the AFPS, is that they have not allowed him to transfer pension benefits into the AFPS. Mr S says that he was not informed of any changes to the AFPS relating to the timescales within which transfers had to be made.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’ complaint concerns the reduction in his pensionable salary. He believes the reduction was done arbitrarily by BA, and is contrary to previous agreements.

Ombudsman’s Determination

Outcome

I do not uphold Mr G’s complaint, and no further action is required by BA.

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

Complaint summary

Mr G’s complaint concerns the reduction in his pensionable salary. He believes the reduction was done arbitrarily by BA, and is contrary to previous agreements.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint concerns the reduction in his pensionable salary. He believes the reduction was done arbitrarily by BA, and is contrary to previous agreements.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint concerns the reduction in his pensionable salary. He believes the reduction was done arbitrarily by BA, and is contrary to previous agreements.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y’s complaint concerns the reduction in his pensionable salary. He believes the reduction was done arbitrarily by BA, and is contrary to previous agreements.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E’s complaint is that an annuity quotation he received recently is substantially lower than previous illustrations. Mr E also asserts that bonuses have incorrectly not been applied to his pension since 2003.

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’ complaint is that the Trustee is failing to honour a quotation he had when he left the Scheme. Mr S says he should be entitled to a guaranteed pension at retirement of £13,943.09 a year, in line with the Benefits Booklet he was given in 2000, and the illustration he received in 2001.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr A’s complaint is that he has been refused ill health early retirement (IHER).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N is unhappy that Friends Life, now part of Aviva, misquoted the value of her late husband’s pension policy.

She says that following the assurances of the higher value quoted to her, she made plans and incurred expenditure which she would not have done had she known the correct value of the Plan.