Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr O’s complaint concerns the contributions he paid into the Scheme between 24 March 2014 and 30 September 2015.

He believes the contributions were incorrectly deducted and that he is entitled to a refund because:

a) he paid contributions into the Scheme for less than two years; and

Ombudsman’s Determination

Outcome

I do not uphold Mr 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

Mr R has complained that the Scheme is changing the annual increases from the RPI inflation rate to that of the CPI rate. He would like the Pensions Ombudsman to investigate and decide if the Trustee is allowed to do this.

Ombudsman’s Determination

Outcome

I do not uphold Mr L’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 L’s complaint against the Trustees is twofold: –

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr L’s complaint against LV is that it processed his transfer from the Plan to the Dewshill Pension Scheme (the Scheme) after he had instructed LV not to make such a transfer, and as a consequence his money has been lost.

Ombudsman’s Determination

Outcome

I do not uphold Mrs 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

Mrs S has complained that NHS BSA has decided that she no longer holds Special Class Status (SCS). This means if she chooses to retire at age 55, she will be subject to an early retirement reduction.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms A’s complaint concerns the settlement of her pension benefits. Ms A states that despite explaining that she wanted to receive her pension in instalments, Zurich’s acts and omissions resulted in her entire pension being paid in one payment, at a later date than anticipated.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N is challenging the reason given by BGSW CRC for leaving his employment and the consequence of the refusal for ill health pension benefits (IHPB) as an active member following that decision.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’ complaint is that HGL, the sponsoring employer of HPS2, decided after the implementation of the Regulated Apportionment Arrangement (RAA) to merge other Defined Benefit (DB) schemes it sponsored into HPS2 and this compromised the security and value of his benefits.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S contends that the Scheme is discriminatory: male teachers automatically accrued partner pension cover from 1972, while female teachers automatically accrued cover from 1988.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by NHS BSA or LCHS.