Ombudsman’s Determination

Outcome

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

Complaint summary

Dr H has complained about the reduction in his cash equivalent transfer value (CETV) from the quotation provided on 4 May 2017 and the subsequent CETV quotation issued on 4 April 2018.

Deputy Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Complaint summary

Mr L has complained that Fidelity delayed the transfer of the SIPP to A J Bell unnecessarily and that this has resulted in a financial loss.

Summary of the Ombudsman’s decision and reasons

The complaint is not upheld against Fidelity as the transfer request should have been submitted to FundsNetwork. Although Fidelity has provided some conflicting information over the transfer process, I do not find it is sufficient to warrant an award to Mr L.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint.

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

Complaint summary

Mr E complains that in June 2017 the Trustee and Aon provided him with a quotation incorrectly showing that the total cash equivalent transfer value (CETV) available to him from the Plan of £542,621.87 excluded his Additional Voluntary Contributions (AVCs). He says that:

Ombudsman’s Determination

Outcome

I do not uphold Mr W’s complaint and no further action is required by NP or TWPF.

Complaint Summary

Mr W’s complaint is that NP, his former employer, and TWPF did not award him Tier 1 Ill Health Retirement (IHR).

Ombudsman’s Determination

I do not uphold Mr T’s complaint and no further action is required by MyCSP or the Employer.

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

Complaint summary

Mr T’s complaint is that his employer failed to provide clear, full and timely information about his transfer options in relation to his accrued pension benefits, around the time of a bulk pension transfer in 2016. As a result, he was denied the opportunity to make an informed decision about whether to take part in the transfer.

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.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs R’s complaint concerns the decision NHS BSA made in 2017, to cease her widow’s pension, after she informed it that she was co-habiting with her partner.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr E has complained about the commutation factor used when he took a Pension Commencement Lump Sum (PCLS).

Mr E has also said that the reduction in his residual pension did not reflect the cost of providing the PCLS, so there is an uneven approach between the members and the fund.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S has complained that the index used for pension increases has changed from the Retail Prices Index (RPI) to the Consumer Price Index (CPI). Mr S has also made a number of other comments regarding the change to CPI including:-