Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y’s complaint concerns overstated pension figures. Mr Y says he made life changing decisions, which he would not otherwise have made, in reliance on those figures.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S is complaining about a charge of 0.1% that will be applied to a single contribution to the Plan for making a payment without the use of an independent financial advisor (IFA).

Ombudsman’s Determination

Outcome

I do not uphold Mrs 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

Mrs Y complains that NHSBSA has wrongly declined her application for payment of her pension on grounds of ill health early retirement (IHER) from the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Miss S’ complaint, and no further action is required by Co-operative.

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

Complaint summary

Miss S has complained that when she decided to take her benefits at age 50, Co-operative did not provide adequate information about the early retirement reductions that would be applied to her benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’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 E’s complaint concerns NHS BSA being unable to commute her pension into a trivial lump sum. Mrs E argues that she was told by NHS BSA that this would not be possible, so chose to take her pension early.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms N complains that MyCSP provided her with incorrect information, over a number of years, by issuing inaccurate Annual Benefit Statements (ABS) that overstated her additional service and pension benefits, which only came to light during a Voluntary Exit exercise after she queried the amount of service on her quote.

Ombudsman’s Determination

Outcome

I do not uphold Mr 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

Mr N’s complaint against NHS BSA is about its decision to award him death in service benefits from deferred service, rather than pensionable service.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint, and no further action is required by NHSBSA or the Trust.

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

Complaint summary

Mrs S has complained that her Mental Health Officer (MHO) status has been removed, meaning that if she retires at age 55, she will be subject to an early retirement reduction.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs Y’s complaint and no further action is required by Phoenix Life.

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

Complaint summary

Mrs Y’s complaint concerns her being unable to take a lump sum and annuity from the Policy, despite the fact that there are documents from when she first took out the Policy stating that she would be able to.