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 is that the Trustee is failing to honour a quotation he had when he left the Scheme. Mr S says he should be entitled to a guaranteed pension at retirement of £13,943.09 a year, in line with the Benefits Booklet he was given in 2000, and the illustration he received in 2001.

Ombudsman’s Determination

Outcome

I do not uphold Mrs N’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 N is unhappy that Friends Life, now part of Aviva, misquoted the value of her late husband’s pension policy.

She says that following the assurances of the higher value quoted to her, she made plans and incurred expenditure which she would not have done had she known the correct value of the Plan.

Ombudsman’s Determination

Complaint summary

The complaint against the School, the Council and TP is brought by the late Mrs S’ husband (Mr S) on behalf of the Estate and concerns Mrs S being given a benefit statement prior to her death stating that an in-service death grant of £114,830.70 would be payable. However, after Mrs S passed away an out of service death grant of only £18,703.62 was paid. The complaint also concerns the School’s actions at the point where Mrs S exhausted her sick pay and left pensionable service.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’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 E believes that Aviva is responsible for a loss of £1,415 per annum in his pension income from age 60.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs H’s complaint about Teachers’ Pensions is that her actual pension benefits on retirement were lower than the figures quoted in the estimate she received before her retirement.

Ombudsman’s Determination

Outcome

I do not uphold Miss Y’s complaint and no further action is required by Capita or the Council.

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

Complaint summary

Miss Y has complained that Capita and the Council provided her with incorrect information about; the value of her pension benefits; the options available to her; and, the consequences of taking her benefits. Because of the pension being put into payment, her entitlement to certain benefits have been significantly reduced.

Ombudsman’s Determination

Outcome

I partly agree with Mr N’s complaint against Legal & General, but there is part of the complaint I do not agree with. To put matters right (for the part that is upheld) Legal & General shall pay Mr N £500 for the significant distress and inconvenience he has suffered.

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

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr R has complained about the tax code being used by SF when paying his annuity. Mr R has also complained that SF has not issued him with statements and has failed to adequately respond to his requests for information.

Ombudsman’s Determination

Outcome

Mr Y’s complaint against the Trustee and Aon 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 the Trustee shall pay Mr Y £1,000 in recognition of the significant distress and inconvenience which he has suffered in dealing with this matter.

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