Ombudsman’s Determination

Outcome

I do not uphold Mr 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 S’ complaint concerns the Trustee’s failure to provide him with information regarding his Additional Voluntary Contributions (AVCs) fund which would indicate its poor performance. Mr S is dissatisfied that the AVCs’ investment yield would only cover the annual charges.

Ombudsman’s Determination

Outcome

Ms Y’s complaint is upheld and to put matters right Phoenix should reconsider its decision and inform her of its conclusions, with reasons.

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

Complaint summary

Ms Y’s complaint is that Phoenix rejected her application to receive a share of the death benefits arising from the Plan.

Ombudsman’s Determination

Outcome

Longhurst Group’s complaint against TPT 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 TPT shall pay Longhurst Group £2,500 for its extremely poor handling of this case.

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

Ombudsman’s Determination

Outcome

I do not uphold Dr M’s complaint and no further action is required by NHS Highland or the SPPA.

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

Ombudsman’s Determination

Outcome

Mrs D’s complaint against Fidelity 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) Fidelity should, within 28 days, pay Mrs D £400 for the significant distress and inconvenience she has suffered.

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

Complaint summary

Mrs D’s complaints against Fidelity are:

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.