Ombudsman’s Determination

Outcome

Dr L’s complaint against NHS Pensions 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) NHS Pensions should compensate her for the non-financial loss she has suffered.

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

Ombudsman’s Determination

Outcome

1. Mr L’s complaint against Equiniti Limited and Lloyds Banking Group Pensions Trustees Ltd is partly upheld, but there is a part of the complaint I do not agree with.

Ombudsman’s Determination

Complaint Summary

Mr E has complained that BCC and the College are not willing to honour the pension which was promised to him when he agreed a severance package with the College on 16 September 2014.

Mr E says, but for these pension figures, he would not have accepted the severance package offered to him.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against the College because:-

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 contends that his statement of benefits on leaving employment was legally binding and the Trustees are obliged to honour the figures shown on the statement, backdating any missed payments to date.

Ombudsman’s Determination

I do not uphold Mrs E’s complaint and no further action is required by the Trust.Outcome

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

Complaint summary

Mrs E complains that the Trust failed to inform her at the time she entered into the added years contract that the extra membership which she was purchasing of 3 years 61 days would be insufficient to achieve her aim of 40 years’ total pensionable service in the Scheme on reaching age 60 in August 2015.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by LV=.

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

Complaint summary

Mr H has complained that LV= failed to act on his instructions which has led to a financial loss.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr I says, following the death of his grandmother, Mrs A, he acted on incorrect information provided by Teachers’ Pensions and personally paid back an amount of overpaid pension. The money should instead have been deducted from the short term pension payable to her spouse.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr H has complained that NEST failed to provide information about the restrictions on his ability to opt-out of the Scheme when he was auto-enrolled in July 2013. He subsequently missed the opt-out deadline, and only found out recently that he was unable to transfer his pension to another provider until age 55.

Ombudsman’s Determination

Outcome

Mr N’s complaint is upheld, and to put matters right FP should answer Mr N’s queries about the Plan and assist him in exercising any statutory right to a transfer out of the Plan to a named pension arrangement that is willing to accept it, if he so wishes. FP should also pay Mr N £2,500 to reflect the significant distress and inconvenience caused to him by its maladministration.

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

Ombudsman’s Determination

Outcome

Ms N’s complaint is upheld and to put matters right Tesla should pay her £500 for the significant distress and inconvenience caused by its maladministration.

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

Complaint summary

Ms N’s complaint is that Tesla failed to pay the compensation it agreed to pay in respect of a previous complaint which she brought to this office, under reference PO-12111.