Ombudsman’s Determination

Complaint summary

Mr A has complained that the Council, his former employer, is wrongfully withholding his pension benefits.

Summary of the Ombudsman’s determination and reasons

The complaint should be upheld against Enfield Council because the legislation in question does not allow for them to withhold Mr A’s pension rights, in the manner they have.

Ombudsman’s Determination

Outcome

I do not uphold Dr N’s complaint and no further action is required by NHS BSA.

My reasons for reaching this decision are explained in more detail below.

Ombudsman’s Determination

Outcome

Mr M’s complaint is upheld and to put matters right the FBU should pay him a lump sum equivalent to the difference between the lump sum he was paid at retirement and the lump sum he would have received had the appropriate commutation factors been available at the time.

My reasons for reaching this decision are explained in more detail below.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by the Company and the Trustee.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr N’s complaint against the Company and the Trustee is that his pension from the Plan was reduced by about 40% for early payment, despite his understanding that a pension payable from the Plan on ill health grounds would not be reduced.

Ombudsman’s Determination

Complaint Summary

Mr M has complained that Namulas:-

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint and no further action is required by NHS BSA.

My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr N’s complaint against NHS BSA is about its decision to award him death in service benefits from deferred service, rather than pensionable service.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr N complains that the cash equivalent transfer value (CETV) he received from the Trustee was incorrect. He believes the CETV should have been based on the enhanced figure he was offered as a result of his serious ill health. He would like the Trustee to pay the difference.

Ombudsman’s Determination

Complaint summary

Mr R’s complaint concerns the Trustee’s decision to change the index used to calculate annual increases on his Scheme benefits.

On 29 September 2016, the Trustee announced that it intended to increase Scheme benefits annually going forward based on the consumer prices index (CPI), rather than the more favourable retail prices index (RPI). The consequence of the change of index is that Mr R’s annual pension increase is likely to be lower.