Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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 Y complains he has received conflicting information from the Trustee as to whether his transferred-in service would be included in calculating whether he qualifies for unreduced, early retirement from the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N complains that RPMI improperly transferred the pension benefits available to him from the BTPFSF into the West Midlands Pension Fund (WMPF) in April 1993 because it had failed to supply him with details of the transfer value (TV) which he had requested before proceeding.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss Y has complained that Phoenix did not inform her that tax would be payable if she took benefits from her late father’s pension, the Policy, more than two years after his death.

Ombudsman’s Determination

Outcome

I do not uphold Miss Y’s complaint and no further action is required by the Council.

Complaint summary

Miss Y’s complaint against the Council concerns the provision of incorrect information regarding her entitlement to a survivor’s pension on the death of her late partner, Mr R. Miss Y also believes she should be entitled to the death grant as she was the sole beneficiary nominated by Mr R.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr Y complained that Aviva (previously Sun Life) is not allowing him to take a tax-free lump sum, or early retirement, from the Plan. He said the policy document (the Policy) sets out both as options.

Ombudsman’s Determination

Outcome

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

Complaint summary

Dr R’s complaint against NHS BSA is that NHS BSA has refused to grant him pension benefits from the Scheme. Dr R believes that he is entitled to benefits in the Scheme by reason of European Union Law (EU Law).

Ombudsman’s Determination

Outcome

I do not uphold Mrs H’s complaint and no further action is required by Walsall MBC and the Fund.

Complaint summary

Mrs H’s complaint against Walsall MBC and the Fund, is about the refusal to allow her to access her pension benefits without reduction, following the termination of her employment. She says that, on 14 March 2017, Walsall MBC misled her into leaving her employment, giving her the expectation that she would be able to take her pension without reduction.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mr S complains that NWFC, his former employer, and CWCC, the Administering Authority, should have considered his application for ill health retirement (IHR), as if he were still employed by NWFC. Mr S says that had he not resigned and remained an employee, then NWFC may have terminated his employment on the grounds of capability and he would have been entitled to an IHR pension.

Ombudsman’s Determination

Outcome

I do not uphold Mr L’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 L’s complaint against the Trustee is that it mishandled his application to transfer out of the Plan. He says that this caused him to suffer a financial loss of £121,768.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr R has complained that his pension was suspended. This was due to him not responding to a letter that was sent by Mercer.