Outcome

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

Mrs Y’s complaint against the Trust 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  Trust should pay Mrs Y £500 compensation in recognition of the clear distress and inconvenience which she has experienced in having to deal with this matter.

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

Complaint summary

Mrs Y complains that:

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 has complained that the Trustee of the Plan did not give sufficient information about a change to the early retirement factors. This has upset his retirement plans and he has lost the opportunity to take remedial steps to counteract the changes and for which he feels he should be compensated.

Ombudsman’s Determination

Outcome

Mrs D’s complaint against Veterans UK 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) Veterans UK should pay Mrs D an additional £250 for non-financial injustice.

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

Ombudsman’s Determination

Outcome

I do not uphold Ms R’s complaint and no further action is required by NHS Business Services Authority.

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

Complaint summary

Ms R’s complaint against NHS BSA is about the incorrect information she received with regard to her pension entitlement and on which she based her decision to retire.

Ombudsman’s Determination

Outcome

I do not uphold Ms D’s complaint and no further action is required by NHSP.

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

Complaint summary

Ms D’s complaint against NHSP is that she was incorrectly told that her Pension Credit Benefits (PCBs) were payable at the age of 52, and based on this she decided to retire early.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N says that he was not given clear information that if he elected to opt out of the final salary section of the Scheme with a deferred pension, he would not be entitled to the enhanced benefits on early retirement by redundancy.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s complaint is that Hornbuckle have unfairly increased its existing fees and applied new fees to the SIPP.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E complains that Standard Life gave him incorrect information about the value of the Plan that led him to make additional payments to his other plans, which resulted in him exceeding his lifetime allowance.

Ombudsman’s Determination

Outcome

Mrs H’s complaint is upheld and to put matters right SPPA should pay compensation of £750.

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

Complaint summary

Mrs H complains about the information given to her by SPPA about her retirement benefits and age from which she could have retired.