Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Prudential improperly persuaded him to pay additional voluntary contributions (AVCs). He also alleges that he was not informed that he could purchase added years through the Scheme.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mr S has complained that Prudential improperly persuaded him to pay additional voluntary contributions (AVCs). He also alleges that he was not informed that he could purchase added years through the Scheme.

Ombudsman’s Determination

Outcome

Mrs J’s complaint against DWP and MyCSP 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, DWP should (1) provide MyCSP with correct and up to date information in relation to Mrs J’s Scheme membership, so that MyCSP can provide her with corrected statements and (2) pay Mrs J £1,000 in respect of the serious distress and inconvenience this matter has caused. MyCSP is not required to take further action.

Ombudsman’s Determination

Outcome

I do not uphold Mr N’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

Mr N’s complaint about Phoenix Life is that he was not informed how legislative changes in April 2015, would affect his entitlement to benefits in the Policy.

Ombudsman’s Determination

Outcome

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

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

Complaint summary

Mrs E’s complaint is that Prudential misinformed her and her late husband Mr E, about the benefits payable under a ten-year payment guarantee option in a single life annuity policy, that he had purchased from Prudential.

Ombudsman’s Determination

Outcome

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

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

Ombudsman’s Determination

Outcome

I do not uphold Mr 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

Mr N’s complaint against Aviva is about the performance of the Plan funds. Mr N says that the current value of his Plan pension is not worth much more than the cash originally invested in the Plan between 12 October 1995 and 19 December 1999.

Ombudsman’s Determination

Outcome

Mr T’s complaint against Phoenix 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) Phoenix shall pay Mr T £2,000 in recognition of the severe distress and inconvenience which he has experienced dealing with this matter.

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

Ombudsman’s Determination

Outcome

I do not uphold Mrs D’s complaint and no further action is required by the Administrator, Trustee or Santander.

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

Complaint summary

Mrs D complained that the benefit statement she received, after she was made redundant at Alliance and Leicester in 1996, provided a misleading pension estimate of £10,751.76 per annum at age 60. She would like the estimated pension to be paid.

Ombudsman’s Determination

Outcome

I do not uphold Mr D’s complaint and no further action is required by MoJ or PSAL.

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

Complaint summary

Mr D’s complaint against MoJ and PSAL is that he was led to believe he would be able to retire at age 60 with an unreduced pension. Mr D later found out that he could not take this pension until he reached age 65.