Mrs Woollard complains that the Trustee has applied the state pension deduction from age 60 in May 2012 and not from May 2014 as previously notified to her. The Deputy Pensions Ombudsman’s determination and short reasons The complaint should be partly upheld against …

Subject

Mrs Green complains that in March 2000 she was improperly persuaded during a personal meeting with an independent financial adviser (IFA) appointed by Unipart (to provide general pensions information) to transfer the deferred pension benefits available to her from the Scheme, a final salary arrangement, into the Keane Ltd Group Money Purchase Scheme (the Keane Scheme).

The Pensions Ombudsman’s determination and short reasons

Subject

Mr Jones complains that Clerical Medical, as administrator of his pension scheme, incorrectly calculated the tax free cash lump sum due to him, in consequence of which he was induced to transfer his benefits, and he suffered financial loss.

The Pensions Ombudsman’s determination and short reasons

Subject

Mr Yearsley complains that he was given an incorrect statement of his benefits which he relied upon when making his decision whether to take early retirement. Mr Yearsley says that had he known the true position in respect of his benefits he would have remained in his job and not taken early retirement.

The Pensions Ombudsman’s determination and short reasons

The complaint is not upheld. I find that Mr Yearsley could reasonably have been aware of the error in the statement of his benefits and is likely to have still retired regardless.

Subject

Mrs Guest complains that she agreed redundancy terms believing that Scheme benefits quoted to her were correct, when in fact they were overstated. She says that she would have acted differently if she had been given the correct information.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should not be upheld because I am not persuaded that Mrs Guest would have acted differently and because any perceived loss has in any event been nullified now.

Subject

Mr Shepherd complains that Guardian Financial Services (GFS) provided him with incorrect information (both oral and written) about the benefits available to him from the Scheme which he relied upon to his financial detriment.

Subject

Dr Atenstaedt’s complaint against NHS Pensions centres on the rise in cost of the Additional Pension (AP) amounts that he is purchasing.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should not be upheld against NHS Pensions as, although they did give incorrect information to him, Dr Atenstaedt was in possession of the correct information before he made his decision to elect for AP. Further the changes made to contributions levels and index-linking of AP amounts were in line with the Scheme’s Regulations.

Subject

Mr Squire complains that the Trustees and Administrator provided him with incorrect information over a period of 13 years regarding his entitlement from his deferred benefits. He says he based certain decisions on this misinformation.

The Deputy Pensions Ombudsman’s determination and short reasons

The complaint should be upheld against the Administrator because they provided information which they ought to have known was incorrect to Mr Squire causing him distress and inconvenience. The complaints against the Trustees cannot be upheld.

Subject

Mrs Perrett has complained that as a result of RBS Group Pension Services (GPS), the scheme administrator acting on behalf of the Trustees, providing inaccurate and misleading information she opted out of the Scheme thereby losing the option to elect Voluntary Early Retirement (VER) to her financial detriment.

Subject

Mrs Jenkins’ complaint which is against DoH and McKesson, as employer and administrator of the Scheme, respectively, is that they failed to advise her that an estimate of her retirement benefits which was given to her in September 2011 was incorrect.