Ombudsman’s Determination

Outcome

I do not uphold Mrs Y’s complaint and no further action is required by the Trustee or Mercer.

Complaint summary

Mrs Y has complained that the transfer value she received in March 2017, was significantly lower than the transfer value she received in March 2016.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mr R’s complaint is about the time taken by AJ Bell to issue correspondence to his Investment Manager and that this delay has resulted in a financial loss.

Ombudsman’s Determination

Outcome

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

Complaint summary

Dr Y has complained that his Cash Equivalent Transfer Value (CETV) is too low. He says:-

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr I’s complaint against the Trustee is in three parts:

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

Outcome

I do not uphold Mr L’s complaint against the Trustee.

Mr L’s complaint against the Company 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), the Company will pay £500 to Mr L to recognise the significant distress and inconvenience it has caused him.

Complaint summary

Mr L’s complaint is that the Company did not permit him to take an unreduced Cash Equivalent Transfer Value (CETV).

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr R says that:

• he had only two months, instead of the three months he was entitled to, to accept his cash equivalent transfer value (the CETV). This is because his CETV was sent out late.

• the CETV was issued over the Christmas period, which is the busiest time of the year.

Ombudsman’s Determination

Outcome

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

Complaint Summary

Mrs F complains that she was not reinstated into the State Second Pension (S2P).

Ombudsman’s Determination

Outcome

I do not uphold Mr R’s complaint and no further action is required by the Trustee, RBSPS or WTW.

Complaint summary

Mr R complains that:-

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr S has complained that he was provided with an incorrect transfer value. He also believes the general administration of the Scheme has been poor.