Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Legal & General

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

Ombudsman’s Determination

Outcome

Mr T’s complaint against the Trustee 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 Trustee should pay Mr T £500 for the significant distress and inconvenience caused to him by the misinformation he received. The complaint against the Administrator is not upheld.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs Y has complained that an error in the information that NLD submitted to NHS Business Services Authority (NHS BSA) (formerly NHS Pensions) resulted in NHS BSA providing an overinflated retirement quotation on 7 November 2012. Mrs Y relied upon this quotation and decided to retire.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E has complained that:-

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs R has complained that Aviva (formally Norwich Union) did not inform her when it changed the terms of her original contract. In particular, she says she was not made aware that the age she could access her pension benefits was increasing from age 50 to age 55.

Ombudsman’s Determination

Outcome

I do not uphold Mrs M’s complaint and no further action is required by Aon and Babcock.

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

Complaint summary

Mrs M has complained that her late husband Mr M received incorrect information from Aon about the form of authority it required to disclose his Scheme benefits to other parties, and Aon also delayed in dealing with the request for his cash equivalent transfer value (CETV) and lump sum values.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N has made a complaint against the Council and TP for their failure to provide him with his retirement options as he was approaching his normal pension age (NPA), which was his 60^th 

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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 N has complained about the revaluation rate to be applied to an element of his pension, which he says is not in accordance with the information he received from the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s complaint is that, due to misinformation from the Employer, he was incorrectly led to believe that he could retire from 2019.

Ombudsman’s Determination

Outcome

I do not uphold Ms T’s complaint and no further action is required by GMAC or the Council.

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

Complaint summary

Ms T complains that the benefits she is receiving from the Scheme are not in line with the benefits she understood she would receive.