Ombudsman’s Determination

Outcome

Mr N’s complaint against Aviva is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld) Aviva should pay Mr N £1,000 for distress and inconvenience.

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

Complaint summary

Mr N believes that the transfer value Aviva have paid does not represent the true value of the Policy.

Ombudsman’s Determination

Outcome

Mr N’s complaint against NCC is partly upheld, but there is a part of the complaint I do not agree with. To put matters right (for the part that is upheld) NCC should pay Mr N £500 for distress and inconvenience.

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

Complaint summary

Mr N has complained that NCC have said he is not able to transfer his benefits to another provider.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Aegon

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

Complaint summary

Mr E has complained that the Plan was transferred away from Aegon without his authority and has since been misappropriated.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by the Trustees or JLT.

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

Complaint summary

Mr S complains about a delay in transferring his benefits in the Fund to a drawdown provider after he left pensionable employment. The Fund is administered by JLT.

Ombudsman’s Determination

Outcome

Mr Y’s complaint is upheld and Friends Life shall pay him £500 in respect of distress and inconvenience.

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

Complaint summary

Mr Y has complained that Friends Life did not complete his transfer as requested. This resulted in a financial loss, which Friends Life have now calculated and paid into the Plan. Mr Y does not agree with the amount offered by Friends Life in acknowledgement of non-financial injustice.

Ombudsman’s Determination

Outcome

I do not uphold Mr L’s complaint and no further action is required by Aviva.

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

Complaint summary

Mr L has complained that Aviva would not allow him to make further contributions to the Policy in order to enable him to transfer it to his Self-Invested Personal Pension (SIPP) and take advantage of pension flexibilities.

Ombudsman’s Determination

Outcome

I do not uphold Mr R’s complaint and no further action is required by Nomenca / NM Group.

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

Complaint summary

Mr R’s complaint is that Nomenca / NM Group has refused to make up the shortfall in his pension on retirement, following the transfer of his employment under the TUPE Regulations.

Ombudsman’s Determination

I do not uphold Mr E’s complaint and no further action is required by Cornhill.Outcome

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

Ombudsman’s Determination

Outcome

Mr N’s complaint is partly upheld, but there is a part of the complaint I do not agree with. To put matters right, Aviva should compensate him for the non-financial loss he has suffered.

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

Complaint summary

Mr N’s complaint against Aviva and JLT is that his benefits in the Scheme were transferred to the Policy without his consent (or prior knowledge). He says that he has suffered a financial loss as a result of the transfer.

Ombudsman’s Determination

Outcome

Mr S’s complaint is upheld and to put matters right KTL should pay £1,000 compensation for the significant distress and inconvenience it caused.

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