Ombudsman’s Determination

Outcome

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

Complaint summary

Miss L has complained about the delay she experienced when she took her benefits.

Miss L has also complained that she is unhappy with how her complaint has been handled. Miss L has said that the stress caused by this complaint has had an adverse effect on her health, causing asthma and panic attacks.

Ombudsman’s Determination

Outcome

I do not uphold Ms S’ complaint and no further action is required by Royal London.

Complaint summary

Ms S has complained about the discretionary decision made in relation to Mr Y’s death benefits under the Scheme. As Ms S was named as the beneficiary, she believes she is entitled to the full amount, as this was to cover any debts left by Mr Y.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the MOD, MyCSP or the Cabinet Office.

Complaint summary

Mr N’s complaint is that he has been refused ill health retirement.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr K is unhappy that the Trustee has refused to recalculate his cash equivalent transfer value (CETV) on the more generous calculation basis that applied prior to the Fund triggering wind-up.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Ms L’s complaint is that WYPF calculated the value of her Scheme pension entitlement incorrectly.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr L is unhappy that the Trustee will not pay his pension benefits from his normal retirement date (NRD) in 2016. Further, he says it was not clear at the time that the option to be paid his benefits from NRD would not be available at a later date.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mrs R complains that UoB refused her application for Ill Health Retirement (IHR).

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr E’s complaint is that Fidelity refused to allow him to re-invest dividend income into the SIPP when he ceased to be a UK resident, due to cross border regulations.

Fidelity also required him to sell partial shares held in the SIPP, following amendments to its terms and conditions (Terms and Conditions) and to retain the proceeds in cash, instead of re-investing them in the SIPP.

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

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

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