Ombudsman’s Determination

Outcome

Mrs N’s complaint against MyCSP 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, MyCSP should pay Mrs N £500 for significant distress and inconvenience.

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

Complaint summary

Mrs N’s complaint against MyCSP is about the incorrect information she received in 2006 regarding transferring benefits from a previous pension into the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Wirral Council.

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

Complaint summary

Mrs S has complained that Wirral Council, the administering authority, have said she is not able to take her benefits as a trivial commutation payment in accordance with the de minimis rules.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint is that he believes he is paying tax at a higher rate than he should be, and that this is due to NHSBSA not following his written instructions.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Wirral Council.

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

Complaint summary

Mrs S has complained that Wirral Council, the administering authority, have said she is not able to take her benefits as a trivial commutation payment in accordance with the de minimis rules.

Ombudsman’s Determination

Outcome

I do not uphold Mr P’s complaint and no further action is required by Aviva
My reasons for reaching this decision are explained in more detail below.

Complaint summary

Mr P has complained that Aviva has refused to honour the contract he has for pension increases at 3% a year to be applied to the pension.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr E has complained that Aviva have refused to honour the contract he has for pension increases at 5% a year to be applied to the pension.

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by Department for Education or TP.

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

Complaint summary

Mrs S has complained that TP ought to have told her in 2015 that it was possible for her to take a phased retirement within the Scheme.

Ombudsman’s Determination

Outcome

I do not uphold Mr M’s complaint and no further action is required by PSA or the Trustees.

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

Complaint summary

Mr M has complained that he is receiving a lower pension than he was expecting.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs L’s complaint is that she believed she was making contributions to an additional voluntary contribution (AVC) plan from 1994, but MP has said these were in fact contributions towards additional widower’s pension benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’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 E has complained that the Trustees failed to make him aware of the consequences of paying the maximum level of contributions into the Scheme.