Ombudsman’s Determination

Outcome

I do not uphold Ms DN and Ms YEN’s complaints, and no further action is required by ReAssure Limited. 

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld and to put matters right the other Member Trustees and Rowanmoor shall carry out the directions detailed in paragraphs 29 and 30 below. 

Ombudsman’s Determination

Outcome

Mr E’s complaint is upheld in part. MoJ and XPS shall pay £500 each (and so £1,000 in total) in recognition of the serious distress and inconvenience caused to Mr E.

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Outcome

Mrs Y’s complaint is upheld, and to put matters right, Curtis Banks shall pay Mrs Y any additional costs that she incurred due to being required to open a new SIPP and for the late payment of service charges. Curtis Banks shall also pay Mrs Y £500 for the significant distress and inconvenience caused to her.

Ombudsman’s Determination

Outcome

Mr S’ complaint is upheld and to put matters right Fidelity shall pay £1,520.80 to Mr S.

In addition, the Employer shall pay Mr S £1,000 for the serious distress and inconvenience it has caused him, taking into account any amount already paid. 

Ombudsman’s Determination

Outcome

The complaint is not upheld against Rowanmoor as Administrator, as it was not its responsibility to carry out the level of due diligence suggested by Mr N, and because it fulfilled the duties it did have in relation to the Scheme adequately. 

Ombudsman’s Determination

Outcome

I do not uphold Miss ED’s complaint, and no further action is required by Aegon or the Trustees.

Ombudsman’s Determination

Outcome

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