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Pension Liberation – The case study of Mr N

Complaint Topic:
Outcome:
Type:
Mr N complained that the Northumbria Police Authority had transferred his pension fund to a new pension scheme without having conducted adequate checks and had failed to provide him with a sufficient warning against transferring. Mr N was concerned that his entire pension fund may have been lost or misappropriated.

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Ill health early retirement – The case study of Mr H

Complaint Topic:
Outcome:
Type:
Mr H complained that South Tyneside Council incorrectly awarded him Tier 2 ill health early retirement benefits. He said he was entitled to (more generous) Tier 1 IHER benefits.

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Recoupment of overpayment – The case study of Dr E

Complaint Topic:
Outcome:
Type:
Dr E was transferred into the QinetiQ Pension Scheme. His former pension arrangement was contracted out of the then State Earnings Related Pension Scheme. As a consequence of being contracted out of SERPS, the Scheme was required to provide Dr E with a pension that was broadly equivalent to the SERPS pension being given up.

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Death benefits – The case study of Mr R

Complaint Topic:
Outcome:
Type:
Mr R was a deferred member of the Simons Group Pension Scheme. Mr R had received a diagnosis of terminal cancer and had contacted the Scheme administrators to discuss his options.

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Death benefits – The case study of Mrs S

Complaint Topic:
Outcome:
Type:
Mrs S’ husband, was a member of the Armed Forces Pension Scheme 2005. Although he had made her the beneficiary of his will; he had not updated his death benefit nomination form which listed his friend as the sole beneficiary.

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Refusal to transfer – The case study of Mr N

Complaint Topic:
Outcome:
Type:
Mr N has a SIPP with Zurich, administered by Curtis Banks. Mr N asked Zurich/CB to transfer the SIPP fund to the RCJ Management Ltd Pension Scheme, a small self-administered pension scheme.

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Failure to provide information – The case study of Ms R

Complaint Topic:
Outcome:
Type:
Ms R is a member of a small self-administered pension scheme. In 2014, Ms R transferred the benefits she had in a previous employer’s pension scheme to the SSAS. Ms R took a tax-free cash sum from the transfer amount and invested the remainder in Bitcoins.

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Pension liberation – The case study of Mrs R

Complaint Topic:
Outcome:
Type:
Mrs R’s late husband had transferred from his former employer’s pension scheme in 2014. Mr R died in 2018, and it appeared Mr R may have been the victim of pension liberation fraud.

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Automatic enrolment – The case study of Mr M

Complaint Topic:
Outcome:
Type:
Mr M was automatically enrolled into a pension scheme by his employer but decided to opt out. His contributions were refunded, yet contributions continued to be deducted from his salary.

Related case studies

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