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 says he has been unable to obtain an accurate valuation from Aviva of what the Policy will be worth at retirement age.

Ombudsman’s Determination

Outcome

I do not uphold Mr L’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 Y’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 Y has complained that the benefits payable from the Plan have been incorrectly calculated by Aviva and not in accordance with his policy documents.

Ombudsman’s Determination

Outcome

Mrs H’s complaint against ASPH and NHS BSA 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) ASPH shall pay Mrs H £2,000 and NHS BSA shall pay her £500 for the distress and inconvenience caused to her by its mishandling of her case.

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

Ombudsman’s Determination

Outcome

I do not uphold Mr Y’s complaint and no further action is required by Mercer or Open Trustees.

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

Complaint summary

Mr Y complains that Mercer provided him with misleading information in relation to a transfer value quotation, which resulted in a misunderstanding as to what options he had to transfer his benefits out of the Plan.

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.