Ombudsman’s Determination

Outcome

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

Complaint summary

Mr L has complained that Hampshire has declined to backdate the payment of his deferred benefits to August 2010.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr R has complained that NHS BSA has said he is not eligible for Mental Health Officer (MHO) status or Special Class Status (SCS). This means he is not able to retire at age 55 without being subject to an early retirement reduction.

Ombudsman’s Determination

Outcome

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

Complaint summary

The Plan is a pension policy which includes life cover. Mr D is unhappy that an increasing proportion of his monthly contribution into the Plan has gone towards life cover rather than the pension element of the policy. He says it was not disclosed to him how the split between his pension and life cover would work, and an excessive amount has been paid towards life cover.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Scottish Widows.

Complaint summary

Mr E has complained that Scottish Widows failed to provide him with sufficient information when the Account was established to enable him to place his pension in a suitably low risk fund. As a result, Mr E invested in an unsuitable fund and suffered a financial loss.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N has complained that, since 2011, his pension has been increased by reference to the Consumer Prices Index (CPI), rather than the Retail Prices Index (RPI). Mr N says he was given misleading information about pensions increases in 1992 and he relied on this information to his detriment.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by Standard Life

Complaint summary

Mr S has complained that Standard Life has refused to transfer his pension benefits in the Plan to another provider using due diligence as an excuse.

Ombudsman’s Determination

Outcome

I do not uphold Mr T’s complaint.

Complaint summary

Mr T has complained that he should have been paid interest for the time it took to complete his transfer-out of the OBSPS. The OBSPS closed to any future accrual of benefits on 31 March 2017, and Mr T transferred-out on 5 March 2018. Mr T has complained that he should have received interest for this period.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr H has complained the Trustee has told him that information provided to him prior to him transferring benefits from the Scheme was incorrect. He says he has been financially disadvantaged as a result and that had he known the correct information he would not have transferred.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mrs S has complained that: –

• She cannot take a cash equivalent transfer value (CETV) despite receiving a CETV illustration.
• She was sent a pension statement in 2016, quoting a higher pension than she was entitled to.

Ombudsman’s Determination

Complaint Summary

Mr L’s complaint concerns the Trustee’s decision in exercising its discretion to change the index used for future increases on pensions in payment. Mr L argues that:-