Ombudsman’s Determination

Outcome

I do not uphold Mr T complaint and no further action is required by GAD.

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

Complaint summary

Mr T has complained that his lump sum has not been recalculated in line with revised commutation factors provided by GAD.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R has complained that GAD failed to provide revised commutation factors for retirements prior to 1 December 2001.

Ombudsman’s Determination

Outcome

Mr Y’s complaint is upheld and to put matters right the Council should submit a fresh retrospective election to TP, requesting that Mr Y’s part-time pensionable service should start from 1 September 2004. TP should then exercise its discretion as to whether it should accept the election, and inform Mr Y and the Council of its decision.

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 Peninsula Pensions.

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

Complaint summary

Mr S’ complaint is that his pension benefits had been incorrectly overstated in the estimate of benefits dated 2 March 2016. Mr S says that he decided to take early retirement on his 60^th birthday, 28 October 2016, based on the incorrect information given to him by Peninsula Pensions.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R has complained that:-

Ombudsman’s Determination

Outcome

Mrs N’s complaint is upheld and to put matters right Teddy should establish whether the contributions deducted from Mrs N’s salary were paid into the Scheme. If they were not, Teddy should ensure all of the unpaid contributions are paid into the Scheme. It should also pay an amount equal to the notional fund value had the contributions been paid when they should have been. Teddy should also pay Mrs N £2,500 for the significant distress and inconvenience caused by its maladministration.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs T is unhappy because HSBC calculated the tax on her benefits from the Scheme incorrectly. As a result, part of the benefits she received ought to have been withheld and paid to HMRC as income tax.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s complaint is that:

• his Guaranteed Minimum Pension (GMP) has been included within his ‘basic’ Scheme pension, rather than paid to him in addition to it; and
• has been funded from his employee contributions, rather than as liability on the Scheme funds.

Ombudsman’s Determination

Outcome

Mr R’s complaint against HL 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, HL should pay Mr R £500 for the significant distress and inconvenience that he has suffered.

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

Ombudsman’s Determination

 Complaint Summary

Mr & Mrs T’s complaint against CAM, MLA and MLT concerns investment advice they received from CAM, MLA and MLT:

• CAM, MLA and MLT incorrectly informed Mr and Mrs T that they could invest the Scheme assets in taxable moveable property; and
• CAM, MLA and MLT’s proposed solution to the situation did not resolve it.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against CAM, MLA and MLT because: