Mr Blair’s complaint is that NPI: refuses to honour the transfer value of the Policy of £21,463, as stated in its letter of 29 November 2006; and is offering a transfer value of £19,587, the reduction being attributable to a terminal bonus cut effective from 31 December 2006 as it says that Mr Blair di …

Mr Albinson’s complaint (as originally expressed) is that Equitable should not have applied a market value adjustment on transferring his benefits to Standard Life. He said that Equitable had provided reassurance that there would not be any penalties and yet they pro …

Mrs Luke complains that Prudential’s corporate presenter improperly persuaded her to pay additional voluntary contributions (AVCs) to enhance her pension. She also alleges that the corporate presenter specifically advised against the alternative option of purchasing …

Mr Campbell says SPF failed to inform him that his benefits from the Scheme would be subject to clawback on his final retirement. The Ombudsman’s determination and short reasons The complaint should be upheld. Whilst the regulations of the Scheme have been correctly applied, Mr Campbell suffered fin …

Mr Vaish says that AXA incorrectly suspended his Premium Waiver Benefit (PWB) claim and clawed back all PWB payments that they had made into his policies. The Ombudsman’s determination and short reasons The complaint should not be upheld because Mr Vaish’s fraudulent claim of PWB allows AXA to treat the cla …

Mr Gray says that the Trustees have lost his deferred pension benefit entitlement under the Western Scheme. The Ombudsman’s determination and short reasons The complaint should be upheld. The National Insurance Contributions Agency’s contracted-out records show that Mr Gray’ …

Mr Anderson says that his application for Temporary Injury Benefit (TIB) was wrongly refused on the basis that he has not suffered a qualifying injury. The Deputy Pensions Ombudsman’s determination and short reaso …

Mr M D Watts and Mr M R Watts assert that MI failed to manage the purchase and construction of a property on behalf of their SIPP in an appropriate manner, resulting in them sustaining financial loss, together with distress and inconvenience. In particular: MI delay …

Mr Gallagher says that NPS and the Council wrongly refused his application for ill-health early retirement from the Scheme. The Ombudsman’s determination and short reasons The complaint is upheld to the extent that the application is referred back to NPS …