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:-

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.