Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S complains that Aviva is now responsible for paying him a pension in respect of his Scheme entitlement and that it has refused to pay him the benefits that he is due. The Scheme has now been wound up.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs Y’s complaint against Barclays is about the reconsideration decision made in September 2017 and the level of ill health retirement (IHR) pension which resulted from that decision.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr K has raised a complaint against NHS BSA because his application for deferred ill health retirement (IHR) has been turned down.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr X’s complaint is that he was misinformed about the level of Surviving Partner’s pension that would be payable from the Fund in the event that he pre-deceases his wife.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs Y’s complaint against the Trustee is that:

• the calculation and payment of benefits following the death of her cousin, Mr S, was incorrect; and
• the payment made did not accord with the formula provided on the Fund’s website.

Mrs Y would like Mr S’ estate to receive a lump sum of five times Mr S’ pension.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Stanley Black & Decker or the Trustee.

Complaint Summary

Mrs S has complained that her employer, Stanley Black & Decker, should have had a procedure to allow her to apply for Fixed Protection 2016 (FP 2016).

Ombudsman’s Determination

Outcome

I do not uphold Mrs D’s complaint and no further action is required by TP.

Complaint Summary

Mrs D’s complaint is that TP will not reinstate her widow’s pension now she is no longer living with her partner unless she can demonstrate that she is suffering financial hardship. Mrs D says that had she been aware of this, she would not have moved in with her partner in 2015.

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 has complained that the Scheme administrator told him he would receive payment of a lump sum when he reached aged 55 on 22 May 2017. He booked a holiday in expectation of receiving payment of the lump sum on this date. When it was not paid on 22 May 2017, Mr N had to cancel and rebook his hotel and flights.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr D’s complaint is that Huhtamaki, his employer, did not inform him that he could transfer to the Scheme from its non-contributory money purchase scheme, in 1993 and 2003, when other employees were given this option.

Ombudsman’s Determination

Outcome

I do not uphold the Company’s complaint and no further action is required by NEST.

Complaint summary

The Company complains that:

• NEST incorrectly reported a payment failure to the Pensions Regulator (the Regulator).
• NEST notified the Company’s employees that the contributions were overdue and refused to resolve the issue.