Mr S was a member of his employer’s occupational pension scheme. When his employment ended, in accordance with the Scheme rules, he was required to either transfer out his accrued benefits or have the funds returned to the employer.

Mrs Y is a member of the Principal Civil Service Pension Scheme. She decided to transfer her benefits to an overseas scheme in Australia. There had been two recent changes made to legislation that affected Mrs Y’s right to transfer.

Mrs T’s late husband took out a personal pension plan (the Plan) with Zurich and nominated Mrs T to receive the benefits payable upon his death. Years later, Mrs Y, a relative of Mr T, wrote to Zurich on his behalf to notify it that Mr T had decided to change his nominated beneficiary to her.

Ms S is a member of the Local Government Pension Scheme. Ms S requested the early release of her deferred pension on grounds of ill health, yet the Scheme repeatedly failed to respond in a timely manner.

Ms N was a member of the Tesla Motors Limited Pension Scheme. Ms N raised a complaint because her employer had failed to pay employee and employer contributions into the Scheme.

Mr A was a retained firefighter and is now a deferred member of the New Firefighters’ Pension Scheme (England). He complained that the Warwickshire Fire and Rescue Authority was not treating his disturbance, work activity and training attendance payments as pensionable.

Mrs F was unhappy about delays that she experienced when investigating transferring benefits from her pension scheme.

In the lead up to his retirement Mr M obtained several different benefit illustrations from his pension scheme. Unfortunately, he misinterpreted them, not realising that because of contracting-out requirements, by electing to draw his pension benefits at 64 he would lose his option to take the tax-free lump sum on retirement.

Mr F sought help after being told by his pension scheme that he was not entitled to the pension that he had been paid since 2006.

Miss M contacted us after being refused ill health retirement. She was confused by the ill health retirement process under her pension scheme and did not fully understand the Scheme administrator’s correspondence.