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 complains about Aviva and has raised the following points:-

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 says he has been unable to obtain an accurate valuation from Aviva of what the Policy will be worth at retirement age.

Ombudsman’s Determination

Outcome

I do not uphold Mr L’s complaint and no further action is required by The Trustee.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S is complaining that TP is acting unfairly in refusing to award him a dependent’s pension from the Scheme, following the death of his partner, Ms N, in October 2017.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by the Company or the Trustees.

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

Complaint summary

Mr S’ complaint concerns the Company’s and Trustees’ failure to properly consider his circumstances when considering whether to grant consent to an early retirement pension.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’s complaint and no further action is required by National Grid.

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

Complaint summary

Mrs S’s complaint against National Grid is that she says she left employment with a compromise agreement (the Agreement) that she could take an unreduced pension from age 50. However, she has now been told that she is not able to.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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 Y has complained that the benefits payable from the Plan have been incorrectly calculated by Aviva and not in accordance with his policy documents.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y complains that Mercer provided him with misleading information in relation to a transfer value quotation, which resulted in a misunderstanding as to what options he had to transfer his benefits out of the Plan.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by SYPA.

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

Complaint summary

Mrs S complains that SYPA supplied her with an incorrect late retirement quotation in August 2017, showing considerably overstated benefits which, she relied upon to her financial detriment by leaving employment in March 2018.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’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

Mr H has complained about the non-payment of his pension benefits. After using the Pensions Tracing Service, Mr H was advised that Phoenix Life was the “last insurer” of the Scheme. As such, he believes Phoenix Life may have the responsibility of paying his benefits.