Ombudsman’s Determination

Outcome

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

Complaint summary

Mr D’s complaint is that Huhtamaki, his employer, did not inform him that he could transfer to the Scheme from its non-contributory money purchase scheme, in 1993 and 2003, when other employees were given this option.

Ombudsman’s Determination

Outcome

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

Complaint summary

Mr K is unhappy with the pension benefits he received when he left employment in September 2016. He was expecting to receive the benefits shown on a preserved pension award statement that he received when he left the Scheme. Mr K would like to receive the benefits shown on the statement.

Ombudsman’s Determination

Outcome

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

Complaint summary

In summary, Mr N is complaining that NBS Group should have taken action to prevent him from automatically enrolling in the Scheme. As a consequence, he exceeded the Lifetime Allowance (LTA) limits, resulting in excess tax charges payable to HMRC.

Ombudsman’s Determination

Outcome

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

Complaint summary

Miss E has complained that she was not able to commute her benefits from the age of 55. She argued that she was incorrectly told that it was possible for her to commute her benefits at 55; consequently, she borrowed money from her parents in order to fund home improvements.

Ombudsman’s Determination

Outcome

I do not uphold Mrs R’s complaint and no further action is required by WTW or the Trustee.

Complaint summary

Mrs R has complained that she was led to believe she would receive a tax-free cash lump sum of £16,689.88, but she only received £12,625.02.

Ombudsman’s Determination

Outcome

Mrs K’s complaint 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) within 21 days of the date of this Determination, the Trustee shall pay £1,000 to Mrs K, in recognition of the serious distress and inconvenience caused by HSBC A & C Ltd.

Ombudsman’s Determination

Outcome

Dr E’s complaint against 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) NHS BSA shall award interest on the refund of contributions, and pay £2,000 to Dr E for the severe distress and inconvenience its error has caused him.

Ombudsman’s Determination

Outcome

Mr D’s complaint is partly upheld and as WTW and the Trustee of the Scheme (the Trustee) have already adequately tried to put matters right for Mr D, during the Adjudicator’s investigation, no further action is required on WTW’s part.

Complaint summary

Mr D complains that WTW, the administrator of the Scheme, failed to provide complete, clear and consistent information, about the benefits available to him from the defined contribution (DC) section of the Scheme in a timely fashion.

Ombudsman’s Determination

Outcome

I partly uphold Mr S’ complaint in respect of the non-financial injustice which Mr S has suffered. I do not find that Mr S has suffered a financial loss from the negligent misstatement made to him.

Complaint summary

Mr S’ complaint against the Administrator and the Employer is about a large difference between the estimated pension figures he received for immediate payment in December 2013 and the estimated figures for deferred payment in April 2016.

Ombudsman’s Determination

Complaint summary

Mr T has complained that the Trustees have refused to commute all, or part, of his pension for a Tax Free Cash lump sum (TFCLS) at age 60, the Scheme’s normal retirement age (NRA).