Ombudsman’s Determination

Outcome

I do not uphold Mr A’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 A’s complaint concerns Aviva’s decision not to pay him the annuity as a lump sum payment.

Ombudsman’s Determination

Outcome

I do not uphold Mr R’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 R has complained that his annuity is lower than he was originally quoted.

Ombudsman’s Determination

Outcome

Mr Y’s complaint is upheld and to put matters right CSC shall provide additional information to enable Mr Y’s benefits to be calculated correctly. It shall also pay Mr Y £500 for non-financial injustice.

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

Complaint summary

Mr Y has complained that CSC failed to provide the correct information about his pensionable pay to the RPS to enable his benefits to be calculated correctly.

Ombudsman’s Determination

Outcome

Mr Y’s complaint against TP and the Employer 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, TP and the Employer shall each pay Mr Y £250 for significant distress and inconvenience.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr X’s complaint and no further action is required by MyCSP and Cabinet Office.

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

Complaint summary

Mr X’s complaint against MyCSP/Cabinet Office concerns their decision not to honour an incorrect estimate of his Medical Inefficiency Compensation (MIC). Mr X would like to be granted the incorrect estimate of his entitlement for the amount of £36,365.18, under the CSCS.

Ombudsman’s Determination

Outcome

Mr L’s complaint is upheld, and to put matters right Mr Earle shall pay Mr L £3,000 for the exceptional distress and inconvenience he has experienced.

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

Complaint summary

Mr L has complained that Mr Earle failed to respond to his enquiries about the Scheme, leaving him unable to access his benefits and uncertain over what has happened to these.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’s complaint against the Trustees or Capita and no further action is required.

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

Complaint summary

In summary, Mr N’s complaint is:-

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr N’s complaint concerns the miscalculation of his pension benefits. Mr N says that following this misinformation, he decided to take redundancy and retire.  He contends that this irreversible decision has limited his future income.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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 N’s complaint against the Trustee concerns the provision of an incorrect pension benefit quotation. Mr N contends that he should be entitled to the incorrectly quoted pension. He asserts that he has suffered a financial loss of £51,175.80, plus RPI increases.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs N believed that she was a member of the Scheme between 1992 and 1997, but later discovered that no pension contributions were paid by her former NHS employer. Mrs N says that she did not opt out of the Scheme in 1992, and consequently can no longer afford to retire early due to her missing membership.