Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s dispute concerns the Personal Accrual Rate (PAR) applied to his benefits within the Plan.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’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 D is unhappy with the level of interest awarded by Aviva on its redress payment to him and has said that, had the error been recognised sooner he could have retired earlier.

16Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Dr Y has complained about the way in which NHSBSA has implemented a change to “on call” allowances. Dr Y believes this change has caused her pension benefits to be undervalued.

Ombudsman’s Determination

Complaint Summary

Mr G’s complaint against the respondents is in three main parts:-

The provision of incorrect information and delays caused by the Administrator in relation to both sections of the Scheme.

Delays in the transfer of his benefits, from the defined contribution section of the Scheme, to a separate scheme with Legal & General.

Ombudsman’s Determination

Outcome

Mrs T’s complaint against the Company and the Trustees 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 and the Trustees should each compensate Mrs T for the significant distress and inconvenience this situation has caused her.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y complains that Friends Life has:

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint against the Trustees concerns the erroneous calculation of the Guaranteed Transfer Value (GTV). He contends that he should be entitled to the incorrectly quoted GTV of £882,526.89.

Ombudsman’s Determination

Outcome

I do not uphold Dr 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

Dr N is unhappy about the actuarial reduction which applies to the added years she bought within the Scheme, for which she elected a retirement age of 65. She considers the reduction to be unduly harsh and inconsistent with what it would have been had she opted for these benefits to come into payment at age 60.