Ombudsman’s Determination

Outcome

I do not uphold Mrs S’ complaint and no further action is required by SYPA.

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

Complaint summary

Mrs S complains that SYPA supplied her with an incorrect late retirement quotation in August 2017, showing considerably overstated benefits which, she relied upon to her financial detriment by leaving employment in March 2018.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Miss S’ complaint, and no further action is required by Co-operative.

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

Complaint summary

Miss S has complained that when she decided to take her benefits at age 50, Co-operative did not provide adequate information about the early retirement reductions that would be applied to her benefits.

Ombudsman’s Determination

Outcome

I do not uphold Mrs E’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 E’s complaint concerns NHS BSA being unable to commute her pension into a trivial lump sum. Mrs E argues that she was told by NHS BSA that this would not be possible, so chose to take her pension early.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Ms N complains that MyCSP provided her with incorrect information, over a number of years, by issuing inaccurate Annual Benefit Statements (ABS) that overstated her additional service and pension benefits, which only came to light during a Voluntary Exit exercise after she queried the amount of service on her quote.

Ombudsman’s Determination

Outcome

I do not uphold Mr E’s complaint and no further action is required by Capita or the Trustee.

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs Y’s complaint and no further action is required by Phoenix Life.

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

Complaint summary

Mrs Y’s complaint concerns her being unable to take a lump sum and annuity from the Policy, despite the fact that there are documents from when she first took out the Policy stating that she would be able to.

Ombudsman’s Determination

Outcome

I do not uphold Mr S’ complaint and no further action is required by AFM, Dalriada or Incartus.

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

Complaint summary

Mr S has complained that he has not been able to take his tax free lump sum and that he was not provided with timely information about the change of trustee.

Ombudsman’s Determination

Outcome

I do not uphold Mr H’s complaint and no further action is required by the Trustee.

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 Aviva

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

Complaint summary

Mr R’s complaint is that he received poor service from Friends Life (FL), now part of the Aviva group, and was charged an exit fee when he transferred to a drawdown policy with Aviva.