Ombudsman’s Determination

Outcome

I do not uphold Mrs T’s complaint and no further action is required by Cabinet Office and My CSP.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E complained that the process used by BA to calculate part of his pension under the Scheme was unfair as it had caused him to incur a substantial tax charge that could have been avoided.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr Y’s complaint concerns him being contracted-out of the additional State Pension. He believes he will be financially worse off, at State Pension Age (SPA), because he was contracted-out.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr E has complained about the commutation factor used when he took a Pension Commencement Lump Sum (PCLS).

Mr E has also said that the reduction in his residual pension did not reflect the cost of providing the PCLS, so there is an uneven approach between the members and the fund.

Ombudsman’s Determination

Outcome

I do not uphold Mrs H’s complaint and no further action is required by Walsall MBC and the Fund.

Complaint summary

Mrs H’s complaint against Walsall MBC and the Fund, is about the refusal to allow her to access her pension benefits without reduction, following the termination of her employment. She says that, on 14 March 2017, Walsall MBC misled her into leaving her employment, giving her the expectation that she would be able to take her pension without reduction.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr L’s complaint is that his Scheme pension in payment was not uplifted to £5,078.84 at State Pension Age (SPA).

Ombudsman’s Determination

Outcome

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

Ombudsman’s Determination

Complaint Summary

Mr G’s complaint is that the Employer and Trustee have calculated his pension benefits incorrectly; Mr G seeks their recalculation from 2015 to date. Mr G says that the Employer and the Trustee have incorrectly applied a pension cap of £36,000 to both his basic salary and bonuses, rather than applying the pension cap to his bonuses only. The effect of this approach is that his bonuses have been excluded from the calculation of his pension benefits.

Ombudsman’s Determination

Complaint Summary

Mr N’s complaint is in several parts:-

Ombudsman’s Determination

Outcome

I do not uphold Mrs L’s complaint and no further action is required by NHS BSA.

Complaint summary

Mrs L is complaining that NHS BSA provided her with incorrect information about her pension benefits. She says that she relied on the incorrect figures to make a decision to retire at age 55. Mrs L would like to be compensated for the loss and distress and inconvenience she has suffered.