Scottish Widows Group Personal Pension Scheme (CAS-116291-Z1G5)
Ombudsman’s Determination
Outcome
Mr G’s complaint is upheld, and to put matters right, the Employer shall carry out the actions in paragraph 49.
Mr G’s complaint is upheld, and to put matters right, the Employer shall carry out the actions in paragraph 49.
I do not uphold Mr L’s complaint as although there has been maladministration in making the overpayments, Mr L has not sustained injustice.
I do not uphold Dr L’s complaint, and no further action is required by the Trustee.
I do not uphold Mrs N’s complaint and no further action is required by NHS BSA.
I do not uphold Mrs M’s complaint and no further action is required by NHS BSA.
Mr E’s complaint is upheld and to put matters right TP shall follow the steps detailed in the “Directions” section of this Determination.
The complaint is upheld against the Trustee because I find, on the balance of probabilities, that Mrs R’s pension benefits were not transferred out of the Scheme.
I do not uphold Mr K’s complaint, and no further action is required by the Trustees or Capita.
I do not uphold Ms S’ complaint for the reasons set out below in paragraphs 63 to 76 and no further action is required by WTW, the Employer or the Trustee.