Ombudsman’s Determination

Outcome

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

Complaint summary

Mr U has complained that he cannot opt out of the Scheme and is unhappy with how NEST have handled his complaint.

Ombudsman’s Determination

Outcome

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

Complaint summary

Ms E has complained that her application for ill health retirement has been declined.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint.

Complaint summary

Mr N has complained that the Trustee provided him with incorrect information regarding his pension benefits.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs N’s complaint against NILGOSC concerns its decision to award her Tier 2 ill health retirement pension (IHRP) benefits. She believes she should have been awarded Tier 1.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss D has complained that Liberty has not been pro-active in completing the sale of her investment in the SIPP resulting in her being unable to access these funds.

Ombudsman’s Determination

Outcome

I do not uphold Mrs F’s complaint and no further action is required by Phoenix Life.

Complaint summary

Mrs F, daughter of the late Mr T and a co-executrix of his estate, believes that his pension policy owes a payment to his estate, equal to approximately ten months of arrears in pension payments. However, Phoenix Life has said that the policy was set up in arrears without proportion, so no payment is due.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N’s complaint against Aviva is that investments under the Plans were moved into cash funds in 2010 without his knowledge. As a result of this, Mr N says the Plans have not performed as well as they ought to have done.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr K complains that RCN and TPT failed to advise him of the late retirement factor (LRF) provided in the Scheme Rules as he was approaching his normal retirement age (NRA) in 2013.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S said it is unfair that the Respondents are not allowing him to make additional pension provision in the Scheme once he had left HPE on 30 November 2017 by: