Ombudsman’s Determination

Outcome

Dr S’ complaint is upheld and to put matters right the Trustee should enhance Dr S’ pension with St James’ Place (SJP) and, it should also pay Dr S compensation for the distress and inconvenience this situation has caused him.

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

Complaint summary

Dr S has complained because he is unhappy with the way that the Trustee has calculated the shortfall of the transfer value of the pension he had in the Scheme.

Ombudsman’s Determination

Outcome

Mrs N’s complaint is partly upheld and to put matters right SPPA shall pay interest on the refund of contributions in line with Regulation T10(3), and pay Mrs N £500 for significant distress and inconvenience.

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

Ombudsman’s Determination

Outcome

I do not uphold Miss 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

Miss N’s complaint concerns NHS BSA’s calculation of her retirement benefits. Miss N believes that the calculation should include a higher pensionable pay figure of £55,378.45 being applied to part of her pensionable service in relation to her deferred period of service.

Ombudsman’s Determination

Complaint Summary

Dr I has complained that that he was not informed that an actuarial reduction would be applied to the added years’ element of his Scheme pension, prior to him applying to take his benefits. He has also complained that he was incorrectly told, in March 2016, that his application could not be withdrawn although he had not yet begun to receive the benefits.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against NHSBSA because:-

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R disagrees with My CSP’s calculation method for the abatement of his pension under the PCSPS.

Ombudsman’s Determination

Complaint Summary

Mr T has complained that HMRC made several mistakes calculating his pension benefits, causing him to suffer significant distress and inconvenience.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against HMRC because there were several instances of maladministration, and I am satisfied that this caused Mr T to suffer significant distress and inconvenience.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R is unhappy that Royal London provided him with an incorrect value of his fund. He is asking that Royal London honour the original amount quoted of £47,062.29.

Ombudsman’s Determination

Outcome

I do not uphold Mr G’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 G complains that Prudential’s sales representative improperly persuaded him to pay additional voluntary contributions (AVCs) to Prudential. He also alleges that the sales representative did not inform him that he could purchase past added years (PAY) in the Teachers’ Pension Scheme.

Ombudsman’s Determination

Outcome

Mrs S’ complaint against Aon and Prudential 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) Aon and Prudential should each pay Mrs S £250 for the significant distress and inconvenience caused.

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

Complaint summary

Mrs S has complained that she is in receipt of a lower annuity than anticipated, due to delays on the part of the Respondents.

Ombudsman’s Determination

Outcome

Mrs N’s complaint is partly upheld and to put matters right NHSBSA shall allow Mrs N to purchase the additional pension of £750 a year in the Scheme at August 2016 prices through contributions in any two future consecutive tax years up to her 65^th The contributions may be deducted from any future UK relevant earnings, not necessarily from NHS pensionable employment.

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