Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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

Mr Y has complained that the Trustees have declined to award him a pension on the death of his civil partner.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by AJ Bell or the Company.

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

Complaint summary

This Office has accepted three complaints brought by Mr E against the Respondents:

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by Suffolk Life.

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

Complaint summary

Mr H’s complaint is about the fees he was charged when transferring his pension fund from Suffolk Life to Interactive Investor. Mr H is dissatisfied as he was charged £1,485.00 for the transfer and was not informed of the charge by Suffolk Life.

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’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 L is complaining that she was unfairly deprived of her entitlement to special class status (SCS) in the Scheme, due to changes that were introduced in March 1995, when she was a deferred member.

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’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

Mrs L’s complaint is about the payment of death benefits under the Plan of her late husband, Mr L, who passed away on 13 December 2016. She disagrees with the Trustee’s decision not to pay the death benefits to her.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’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 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.

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).

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.

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.