Ombudsman’s Determination

Outcome

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

Complaint summary

Mr M’s complaint is that Huhtamaki, his former employer, acted unfairly by not inviting him to transfer to the Scheme from its non-contributory money purchase scheme, between 1993 and 2003, when other employees were given this option.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr L says WTW and the Trustee refused to provide him with a projected illustration of benefits and so he was unable to make an informed decision about his selected retirement date.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr T has complained that Aviva refused to pay him a lump sum from his Annuity.

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr R says that:

• he had only two months, instead of the three months he was entitled to, to accept his cash equivalent transfer value (the CETV). This is because his CETV was sent out late.

• the CETV was issued over the Christmas period, which is the busiest time of the year.

Ombudsman’s Determination

Complaint Summary

Mr N’s complaint is that BA refused to keep a record of his Fixed Protection 2014 (FP14), certificate and that he was not provided with adequate notice of his re-enrolment into the Scheme by BA or with adequate information about his right to opt-out and the process for doing so. As a result of his membership of the Scheme Mr N’s FP14 has been invalidated.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N’s complaint is that his former employer, LCRC, and GMPF will not now allow him to present a claim for back-dated Scheme membership.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr K is unhappy with the pension benefits he received when he left employment in September 2016. He was expecting to receive the benefits shown on a preserved pension award statement that he received when he left the Scheme. Mr K would like to receive the benefits shown on the statement.

Ombudsman’s Determination

Outcome

I do not uphold Mrs N’s complaint and no further action is required by Teachers’ Pensions or DfE.

Complaint summary

Mrs N is complaining that she is not receiving the full widow’s pension following the death of her husband, Mr N. Instead she is only receiving a partial benefit based on service from 1972 to 1982, rather than for all of her husband’s teaching service.

Ombudsman’s Determination

Outcome

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

Complaint summary

In summary, Mr N is complaining that NBS Group should have taken action to prevent him from automatically enrolling in the Scheme. As a consequence, he exceeded the Lifetime Allowance (LTA) limits, resulting in excess tax charges payable to HMRC.