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Cadbury Mondelez Pension Fund (PO-19297)

Complainant:
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Ombudsman’s Determination

Outcome

I do not uphold Miss R’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

Miss R’s complaint against the Trustee concerns its decision to refuse her an enhanced ill health pension under Rule 2.8.2 of the Final Salary section of the Fund.

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Principal Civil Service Pension Scheme (PO-20932)

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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N believes that his pension benefits have been incorrectly calculated. In particular, he believes that an incorrect figure has been used for his pensionable earnings, and that he is owed an ill health enhancement from the classic section of the Scheme (the classic section).

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Turning Point Scotland Group Personal Pension Plan (PO-19080)

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Ombudsman’s Determination

Outcome

I do not uphold Mrs T’s complaint and no further action is required by Turning Point Scotland or Kerr Henderson (Financial Services) Limited.

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

Complaint summary

The complaint has been brought on behalf of the late Mr T’s estate. The complaint is that Mr T was not warned that taking his pension would reduce the level of life cover payable on his death.

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Aviva Staff Pension Scheme (PO-21961)

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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs R is complaining that she was incorrectly transferred out of the Scheme to a Section 32 Buy Out Policy (the Policy). She had originally assumed that the transfer was a compulsory buy out, but recently discovered that the original transfer form is missing the signature page.

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Police Pension Scheme (PO-23084)

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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Merseyside Police has failed to put in place provisions to lift the commutation cap that affects officers that have less than 30 years pensionable service.

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Friends Life Personal Pension Policy (PO-20516)

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Ombudsman’s Determination

Outcome

I do not uphold Mr R’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 R’s complaint is that he received poor service from Friends Life (FL), now part of the Aviva group, and was charged an exit fee when he transferred to a drawdown policy with Aviva.

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Teachers’ Pension Scheme (the Scheme) – Additional Voluntary
Contributions (PO-21512)

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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Prudential improperly persuaded him to pay additional voluntary contributions (AVCs). He also alleges that he was not informed that he could purchase added years through the Scheme.

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Teachers’ Pension Scheme (PO-21549)

Complainant:
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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N has complained about an overpayment made by Teachers’ Pensions and its subsequent request for repayment. He considers that its administrative systems have failed, and that Teachers’ Pensions ought to have had more robust systems in place to prevent pensioners from being disadvantaged in the way that he has been.

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Teachers’ Pension Scheme (the Scheme) – Additional Voluntary
Contributions (PO-21517)

Complainant:
Complaint Topic:
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Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Prudential improperly persuaded him to pay additional voluntary contributions (AVCs). He also alleges that he was not informed that he could purchase added years through the Scheme.

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Kenwake Pension Trustees Limited (PO-23162)

Complainant:
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Ombudsman’s Determination

Outcome

I do not uphold Miss Y’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

Miss Y’s complaint concerns the Trustee’s decision not to award her a dependant’s pension following her uncle’s death.

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