Ombudsman’s Determination

Outcome

I do not uphold Mr P’s complaint and no further action is required by Clerical Medical.

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

Complaint summary

Mr P is unhappy because Clerical Medical did not follow his instruction and contract him out of the State Second Pension (S2P) for tax years 2008/09 to 2011/12.

Ombudsman’s Determination

Outcome

I do not uphold Ms H’s complaints and no further action is required by the Trustee or the Administrator.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S’ complaint about the Employer and the Trustees is that they have stopped awarding annual increases to his pension from 1 January 2014.

Ombudsman’s Determination

Outcome

I do not uphold Mrs P’s complaint and no further action is required by the Council.

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

Complaint summary

Mrs P complains that the Council provided her with incorrect information about her pension, over a four-year period. Mrs P says that she relied on this incorrect information when deciding to take voluntary redundancy.

Ombudsman’s Determination

Complaint Summary

Mr N’s complaint is that Capita and D&CP led him to believe that he was purchasing additional service which would bring forward his retirement date to an earlier date of 4 July 2017.

Summary of the Ombudsman’s Determination and reasons

The complaint should be upheld against Capita only because it misinformed Mr N about the way the purchase would operate. Mr N relied on this misinformation to make the decision to buy added years in the Scheme with a lump sum payment.

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’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 Y has complained that NHSBSA say that he is required to pay a fee for the specific pension projections he has requested.

Ombudsman’s Determination

Outcome

The Applicants’ complaints are upheld and to put matters right Fortum will re-perform the targeting exercises on the Applicants’ pension benefits, using alternate assumptions. Fortum will also pay £500 to each of the Applicants to recognise the distress and inconvenience Fortum’s actions have caused them.

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’s complaint and no further action is required by NHS BSA.

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

Complaint summary

Mrs E has complained that NHS BSA has not correctly applied its regulations when calculating her entitlement to benefits from the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr I has complained that Friends Life closed its online platform on 25 August 2017, and did not provide him with details of when a replacement or new online platform would be available.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by L&G.

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

Complaint summary

Mr S’ complaint against L&G is that it has refunded pension contributions overpaid by Frances King/Quest, his employer, without seeking his permission to do so. He would also like an explanation for the overpayment made in error.