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.

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.

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.

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.

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.

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.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs Y is unhappy with the decision made by the Council not to grant her early release of her pension on compassionate grounds. In her opinion she meets the Scheme requirements and would like access to her pension.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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 N’s complaint about Phoenix Life is that he was not informed how legislative changes in April 2015, would affect his entitlement to benefits in the Policy.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs E’s complaint is that Prudential misinformed her and her late husband Mr E, about the benefits payable under a ten-year payment guarantee option in a single life annuity policy, that he had purchased from Prudential.

Ombudsman’s Determination

Outcome

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

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