Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint, and no further action is required by the Trustee or WTW.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr T has complained that Prudential did not carry out appropriate checks when transferring his benefits from the Plan. His complaint arises as it has transpired that the scheme he transferred into is a pension liberation scheme.

Ombudsman’s Determination

Outcome

I do not uphold Mr A’s complaint and no further action is required by Scottish Widows.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint, and no further action is required by WTW.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr L has complained that ReAssure did not immediately offer the option for him to transfer to a beneficiary drawdown arrangement and that, because of the delay in agreeing and implementing it, he has suffered a financial loss.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y has complained because he believes Phoenix has failed to apply annual increases to his annuity. He believes he has incurred a financial loss as a result.

Ombudsman’s Determination

Complaint Summary

Mr R has complained that Mr Garner and Liddell Dunbar have delayed the transfer of his pension benefits in the Scheme and that the transfer has not been made. Mr R has also claimed consequential losses as a result of the delay.

Ombudsman’s Determination

Outcome

Mr N’s complaint against WTW and the Trustee 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, WTW shall credit Mr N’s self-invested personal pension plan (SIPP) with the net loss he incurred, because of the delay in WTW paying him his retirement benefits.

In addition, the Trustee shall pay M N £2,000, for the severe distress and inconvenience this situation has caused him.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R complains that SWP is preventing him from transferring out the benefits which he had previously transferred into the Scheme.

Ombudsman’s Determination

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

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

Complaint summary

Mr L disputes the records held by the Scheme in respect of his benefits. He has requested further evidence to support the records held by the Trustee.