Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by the Trustees or the Administrator.

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

Complaint summary

Mrs S’ complaint concerns the way the Administrator dealt with her late husband’s request to have his pension transferred from the Fund. Mrs S considers that its actions amounted to maladministration which resulted in her incurring a financial loss.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr and Mrs E have complained about: –

Ombudsman’s Determination

Complaint Summary

Dr S has complained that NHS Pensions provided her with incorrect retirement quotes in 2012 and 2014, on the basis of which she decided to reduce her working hours, a year earlier than she would otherwise have done.

Summary of the Ombudsman’s Determination and reasons

The complaint should be partly upheld against NHS pensions because its errors caused exceptional distress and inconvenience to Dr S.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by Clifton or Morgan Lloyd.

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

Complaint summary

Mr D has complained about the information received from Clifton in respect of the assets held within the Scheme and Morgan Lloyd’s decision to accept the assets.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by Veterans UK.

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

Complaint summary

Mr S’ complaint against Veterans UK concerns its decision not to give a discretionary award under the Attributable Benefit Scheme (AFAB).

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R’s complaint is that several parts of Fidelity’s policies and processes, in relation to income drawdown, are inadequate. He believes it should change these in various ways, so it is easier for him to exercise his preferred option.

Ombudsman’s Determination

Outcome

I do not uphold Dr K’s complaint and no further action is required by NHS BSA or PCSE.

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

Complaint summary

Dr K has complained that NHS BSA failed to provide him with appropriate information when he made enquiries regarding a transfer to another pension scheme.

Ombudsman’s Determination

Complaint Summary

This complaint, which the widow of Mr R (Mrs R) brings in her capacity as an executor of the Estate, concerns the lack of information provided to Mr R in relation to benefits under the Scheme.

In summary, Mrs R’s complaint is that the Administrator, acting on behalf of the Trustees, failed to inform Mr R during his terminal illness that the benefits payable to the Estate, and to her as his widow, would be considerably lower if they were not taken during Mr R’s lifetime.

Ombudsman’s Determination

Outcome

Ms R’s complaint is upheld and to put matters right Mr White shall within 14 days provide proof of the investment in the Bitcoin Store or confirm the location and value of Ms R’s original investment. Mr White shall also pay Ms R £3,000 in recognition of the exceptional distress and inconvenience she has suffered.

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs S’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 S’s complaint is that Aviva incorrectly informed her that she could take benefits from three policies within the Scheme as a lump sum.