Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N has complained that the payment of his contractual pension promise should be made by way of a tax-free lump sum and not by way of annual pension.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs L is complaining that NHS BSA provided her with incorrect information about her pension benefits. She says that she relied on the incorrect figures to make a decision to retire at age 55. Mrs L would like to be compensated for the loss and distress and inconvenience she has suffered.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by the Trustees.

Complaint summary

Mrs S’ complaint concerns the Trustees’ decision not to pay her a proportion of the death benefits following her husband’s death. She believes the Trustees’ decision is flawed because they did not adhere to the directions contained within a previous determination from the Ombudsman’s office.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by Cabinet Office or MyCSP.

Complaint summary

Mr H’s complaint is that MyCSP inverse commuted £9,870.73 of his lump sum benefits at final retirement for an additional yearly pension of £620.87. Mr H questions the authority/legality of MyCSP’s action and wants the lump sum paid to him.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by BT PSA or the Trustee.

Complaint summary

Mrs S’ complaint against the Trustee and BT PSA is that:-

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by the Trustee or the Employer.

Complaint summary

Mr S’ complaint is that he was not informed of the impact of compulsory redundancy on his pension. He argues that he would have appealed against redundancy, if he had known that he would lose the option of claiming an unreduced pension at age 60. Mr S disagrees with the Trustee’s decision to deny him an unreduced pension before age 65.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N’s complaint is that the Trustees did not inform him that he had to complete two years’ pensionable service in the Plan before he would become entitled to a deferred pension. Had he known, he would have made other pension arrangements or stayed in employment until the two-year period was satisfied.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr M’s complaint is that FIL has refused to refund contributions he made into the Plan following his automatic enrolment. Mr M says that had he been made properly aware that he was being enrolled in the Plan, he would have opted out from the outset.

Ombudsman’s Determination

Outcome

I do not uphold Mrs K’s complaint and no further action is required by Veterans UK.

Complaint summary

Mrs K has complained that Veterans UK has declined to award her “attributable benefits” following the death of her husband.