Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by CAS.

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

Complaint summary

Mrs S’ complaint is that CAS agreed to offer new starters a stakeholder pension scheme, with it matching pension contributions up to 6.5%. Although it has agreed to pay back-dated employee and employer contributions to Mrs S, it will not compensate her for the lack of investment growth on those contributions.

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 complains about the value of his pension benefits. He does not believe that his benefits have been calculated correctly as he was under the impression that he would receive more than he had been quoted. As a result, he would like additional funds added to his pension benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by NHS BSA

Complaint summary

Mrs S’ complaint is that she would like to claim a larger lump sum than she originally applied for, but NHS BSA is refusing her request, due to the time taken for her to make it.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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 N’s complaint is that the Trustee failed to provide him with information about all the pension options available to him.

Ombudsman’s Determination

I do not uphold Mr S’ complaint and no further action is required by the Trustee or Administrator.

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

Complaint summary

Mr S has complained about the information he received from the Administrator regarding his benefits. He says that he relied on this information to plan for his retirement and now, to his detriment, has had to adjust his financial plans.

Ombudsman’s Determination

Outcome

I do not uphold Ms E’s complaint and no further action is required by Capita or the Council.

Complaint summary

Ms E’s complaint concerns:

• the Council’s refusal to allow early release of deferred benefits, or retirement on ill health grounds; and
• alleged miscalculation of her pension, due to the merger of her two periods of service in the Scheme.

Ombudsman’s Determination

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

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

Complaint summary

Mr L disputes the records held by the Scheme in respect of his benefits. He has requested further evidence to support the records held by the Trustee.

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: –