Ombudsman’s Determination

Outcome

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

Complaint summary

Mr U complains that he was not given sufficient time to consider his options after being informed that his Plan investments were being switched to a new fund.

As a result of the switch, he says he was unable to transfer his Plan investment, and this has resulted in an investment loss of around £17,000. Mr U would like to be compensated for this.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs N’s complaint concerns her membership in the Scheme. She says that she was not informed, prior to leaving the Scheme, that her benefits would be calculated differently, if she had less than two years’ membership in the Scheme.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss E complains about Fidelity’s poor administration. She claims the following:-

Fidelity was not transparent about the applicable fees.

The fees appeared to be inconsistent.

Fidelity had caused delays with a payment into the Scheme.

Fidelity had incorrectly added a beneficiary to her pension.

Ombudsman’s Determination

Outcome

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

Complaint summary

Ms I has complained that her permanent injury benefit (PIB) payments should be payable from March 2017; she was not given a forecast of her PIB payments; a PIB deterioration review was delayed; and her data was not shared with due regard by NHS BSA.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss E’s complaint is about the £45 investor charge that had been applied to her pension account, as well as Fidelity’s delay in processing her application. Miss E decided to transfer her benefits from the Scheme to another provider because of Fidelity’s actions. As a result, Miss E would like Fidelity to ensure that she has not experienced a financial loss and for it to recognise the distress and inconvenience caused.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mrs N complains that she disagrees with the Trustee’s decision to reduce her pension at age 65 and not age 66.

Ombudsman’s Determination

Outcome

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

Complaint summary

Ms I is unhappy that her application for Permanent Injury Benefit (PIB) was not accepted by NHS BSA.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y has complained that BW failed to carry out sufficient due diligence when he transferred £174,000 from the SIPP to the Salmon Enterprises Pension Scheme (the Scheme).

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’s complaint and no further action is required by Ulster Bank.

Complaint summary

Mrs L has complained about the circumstances around her retirement. She has raised the following complaints:-

Ombudsman’s Determination

Complaint Summary

Mr R’s complaint concerns revaluation changes made by the Trustee. He considers that the Trustee cannot make such changes to benefits he has accrued without his consent, as these form part of his subsisting rights. He says that the amended method of revaluation which applies to his accrued benefits as an active member is less generous than that which applies to deferred members of the Scheme.

Summary of the Ombudsman’s Determination and reasons

The complaint is not upheld against the Trustee because:-