Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N has complained about an incorrect cash equivalent transfer value (CETV) that he received in March 2017 (the 2017 CETV). He claims that he relied on the 2017 CETV, that it was reasonable for him to do so, and that he has suffered a financial loss that he cannot mitigate.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S has complained that Abbey Life is applying an unreasonable early exit charge to the benefits he would like to transfer out of the Plan.

Ombudsman’s Determination

Outcome

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

Complaint summary

2. Mr N complains that he was not provided with information in 1973 about increasing the widow’s pension payable from the Scheme in the event of his death. Mr N would like the widow’s pension payable to be based on one half of his pension using all his police service and not just the period from 1 April 1972 onwards.

Ombudsman’s Determination

Outcome

I do not uphold Ms I’s complaint and no further action is required by Bolton at Home or GMPF.

Complaint summary

Ms I has complained that she has not been awarded ill health retirement from active service with effect from February 2005.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’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 D has complained that the Fund will not provide all the information he has requested. In particular, information relating to how the Fund is taking the potential risks of climate change into consideration.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by Phoenix Life Limited.

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

Complaint summary

Mr D’s complaint is that incorrect literature from Phoenix caused him to defer taking retirement benefits to his normal retirement age (NRA) of 60, in November 2018. He expected a higher terminal bonus in lieu of the pension payments that he would have received by retiring earlier.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs D has complained about the level of partner benefits paid to her from the Scheme following the death of her husband, Mr D, and has said that TP has not counted her late husband’s service from February 1963 to March 1972 for partner pension purposes.

Ombudsman’s Determination

Outcome

I do not uphold Ms N’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

Ms N complains that NHS BSA provided her with misleading information and refused her request to transfer into the Scheme, on Public Sector Transfer Club (Club) terms.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mr A’s complaint is that his Plan entitlement is lower than he was expecting and less than he was promised.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S has complained that the property assets held in the Plan have been mismanaged by Curtis Banks, which has resulted in a loss of rental income for the Plan.